davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-06
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: Medical Data Systems, Inc. (NC)

On XX/XX/XXXX of XXXX I went to XXXX XXXX XXXX XXXX located in XXXX, Georgia due to a XXXX  accident that happened on XX/XX/XXXX of XXXX. When I attempted to give them my health insurance they would not take it due to the fact I was in a XXXX  accident, instead they gave my pamphlets on " how to cope after a XXXX accident ''. On XX/XX/XXXX of XXXX I contacted a lawyer ( XXXX XXXX XXXX ) so they could create a case on this issue and I gave them the information to XXXX XXXX XXXX. Instead of XXXX acknowledging this and speaking with my lawyer, they constantly harassed me about my medical bill I had with them while I was still receiving treatment for my injuries. I also requested for them to speak about this issue of my medical bill to my lawyer which they did not instead they continued to harass me. On XX/XX/XXXX of XXXX I received a letter from Medical Revenue Service stating that I owed a debt to XXXX XXXX XXXX XXXX, where I only have until XX/XX/XXXX to respond. I feel like this needs to be investigated since I am still in the process of closing my case from my XXXX accident and they will not reach out to my lawyer both XXXX XXXX XXXX XXXX and Medical Revenue Service continue to harass me.
Consumer complaint received 2018-08-10
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. (OH)

In XX/XX/2018 I disputed a fraudulent account with reporting a false incorrect social security number tied to this account on my TransUnion credit file. The discovery was made that the Debt Collection Company named XXXX XXXX XXXX, Original Creditor XXXX XXXX has used the name on my credit file to falsely and fraudulently place the said account with a fraudulent social security number that does not identify me. TransUnion Dispute result claims the information is correct even though it is obvious the social security number XXXX XXXX XXXX has provide to TransUnion does not match that of my true identifying social security number. TransUnion has failed to properly address my concerns regarding the identity theft and I feel my dispute was never investigated. I have filled an Identity Theft Report with the FTC and have included the copy of my Identity Theft Report and all supporting documents required stated in the report from the FTC.
Consumer complaint received 2018-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Request credit reporting agencies to verify/validate items by disclosure of documents and method for accounts being placed to my credit - according to 611 ( a ) ( 7 ), 609 ( a ) ( 1 ) ( A ) & 611a ( 1 ) ( A ). These steps are required by them to ensure it is correct prior to placement to my file or delete the unverified accounts after 30 days of investigation per 611 ( a ) ( 5 ) ( A ), ( first letter dated XX/XX/18, 2nd letter sent XX/XX/18 ). Response ( s ) have been no response, updated, meet FCRA, and account closed, but still remain on my file without any documentation being provided as to the validation of any of the accounts being there. I have been requested by the CRA to provide information to them, ( assuming to verify/validate ) under 1681 ( a ) ( 3 ) it is the vital responsibility of the CRA to ensure the information is correct by the providing source, as they have attempted to place it back on me. One has stated it requires an extension after the initial request date was XX/XX/18, the extension date is until XX/XX/2018, which is longer than the 15 day permitted timeline, I received this update notice XX/XX/2018. No addition information was provided by me during the initial 30 days ( XX/XX/18 - XX/XX/18 ) to warrant an extension according to 611- ( a ) ( 1 ) ( B and C ) this is required, another violation.

I have response documentation, the certified dated documented delivery receipt ( s ) and copies of letter ( s ) mailed, I am unable to upload, but can supply them upon request by fax, or mail.
Consumer complaint received 2018-08-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My Bank of America Auto ( BOA ) Loan account # XXXX was paid in full on XX/XX/XXXX by XXXX XXXX XXXX XXXX. XXXX ( XXXX XXXX ) sent payment in the amount of XXXX total selling price of the vehicle. The payoff amount ( good through XX/XX/XXXX ) was {$41.00}, XXXX. Thus amount received by BOA was an OVERPAYMENT in the estimated amount {$4100.00}. BOA sent e an email indicating the account was paid in full ( XX/XX/XXXX ). 
Special instructions were sent to BOA by XXXX to deposit the OVERPAYMENT into my BOA checking account ending in XXXX. BOA supervisors ( XXXX XXXX, XXXX, and XXXX ) all informed me that once receipt of statement from XXXX showing that the 1 ) check cleared from their account and 2 ) written notification that the funds would NOT be returned to XXXX, the OVERPAYMENT would be deposited into me checking account within 1 business day.

It was confirmed that BOA received both documentations 1 ) statement ( received on XXXX and XX/XX/XXXX ) and letter ( received on XXXX ). To this date, BOA will NOT release the funds into my account. I spoke with XXXX regarding this issue this morning, advised the funds would not be released until XX/XX/XXXX and deposited on XX/XX/XXXX. 
This is unacceptable due to the fact that myself and XXXX has went above and beyond to comply with BOA. BOA are refusing to release the money owed to me as indicated. 


XXXX Contact Info XXXX XXXX Member Solutions Specialist| XXXX  XXXX XXXX XXXX P :  XXXX<tel:XXXX>| F : XXXX<tel:XXXX. XXXXXXXX XXXX
Consumer complaint received 2022-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I deposited {$200.00} as a security deposit for a Secured Student Credit Card with Capital One. I received the card today XX/XX/2022 and tried to activate the card. The online activation link directed me to call Capital One to complete the activation. The representative at Capital One informed me that my cellphone could not be used to verify my identity and that I would need to upload a copy of my license or I'd card. My id has been lost and they informed me that the card can not be used until I provide id. 
I requested that the card account be cancelled and the {$200.00} deposit be refunded to my bank account. Capital One stated that I would receive a check for the deposit in 14 business days. I requested that the money be put back in my bank account because I can not cash a check without id and I need the money on the card to get my id. The money has been tied up with Capital One for over a month already, I am a student with limited financial resources. This is causing financial hardship for me because I can not access my money that I deposited in good faith for use of the credit card. I verified my identity when applying for the card with my social security number and birthdate. My telephone number was accepted by Capital One to get the funds and other text messages but now it's not accepted to use the card. 
I would like access to the card or have my money credited to my bank account. I did not use a check to deposit the funds and I should not have to accept a check for the return of the funds.
Consumer complaint received 2020-12-16
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: Experian Information Solutions Inc. (NY)

I figured out in my credit report inquiries that I have never authorized. I do not recognize any of them. This is illegal and highly detrimental to my credit rating. I know that sometimes companies without any authorization and permission pulling credit profile. Well, by this message I would like to let you know that I do not recognize these inquiries and I have never gave any permission to any company to do something like this. So please remove all of them as I can not move on in my life when I have unknown information in my credit report.
Consumer complaint received 2018-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

OBTAINED AUTO LOAN FOR A NEW XXXX THUR XXXX XXXX XXXX. PAYMENTS WERE MADE ON TIME. AN ATTEMPT TO REMOVE THE BANK ( TITLE FRAUD ) WAS TRIED AND FAILED. UNKNOWN OF ANY INFORMATION ON WHO WHAT WHERE. XXXX  XXXX XXXX CLOSED THE LOAN ON ME EVEN THO IT WAS IN GOOD STANDING AND IS NOW RUINING MY CREDIT. I AM NOT RESPONSIBLE FOR ANOTHER PERSONS ACTIONS AND SHOULD NOT BE LIABLE FOR THIS ACCOUNT SINCE I WAS LIVING UP TO MY END OF THE AGREEMENT. I VOLUNTARILY RELINQUISHED THE VEHICLE YET THE BANK IS STILL CHARGING ME FOR REPOSSESSION,
Consumer complaint received 2022-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I began contacting all three credit bureaus who were documenting inaccurate information on my accounts, late payments from XXXX and XXXX XXXX. Experian is reporting late payment for XXXX on XX/XX/XXXX. This is reported correctly only XXXX and XXXX. XXXX XXXX is being reported inaccurately on all three ( Experian reporting a late payment in XXXX while XXXX and XXXX are one late payment for XX/XX/XXXX ). I have attempted to contact the company in reference to these inaccuracies and when they failed to provide me the documentation I contacted each bureau informing them I've never been late, provided documentation of request sent to the company and since they did not provide me valid proof per the Fair Credit Act, I requested each bureau delete the inaccurate late payment from my report. Each wrote back and stated they investigated and stated the information was accurate. I responded by asking for validation of this information since I was not provided it and since they it is one payment it could have been late in XXXX AND XXXX. Again I requested the late payments be deleted, but they are still there. 
I have followed the same procedure for XXXX and now it only remains on XXXX as inaccurate.
Consumer complaint received 2020-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

These accounts show closed on my credit report. 
XXXX Closed XX/XX/XXXX Account was never used and I never opened it. XXXX XXXX  XXXX sent to collections right away before I could pay the balance of {$300.00} and shows closed on XX/XX/XXXX, XXXX XXXX XXXX  Closed XXXX XXXX   XXXX XXXX, XXXX. I believe I am a victim of identity theft I have had numerous collection companies calling my work and colleagues threatening to take me to jail if I don't pay. I have disputed these accounts. I also had an account with Beneficial which no longer exist and I took a second loan out to pay the date with Citifinancial and paid them off but now I have another collection company who said they bought the bad debt which was paid off 10 years ago but XXXX was original creditor which I did not take a loan with them and a new collection company is XXXX XXXX XXXX opened collection on my account XXXX XXXX, XXXX saying I owe them XXXX which I am disputing. XXXX XXXX says I owe them {$730.00} for not returning cable equipment which was returned and they sent account XXXX XXXX and I am disputing but constantly get the run around. Citifinancial Servicing I had my second with them my first was with XXXX XXXX. They gave me the run around when I was trying to save my home XXXX XXXX XXXX XXXX XXXX, Ca XXXX. They never gave me options to save my home and I went with a lawfirm that I believe was in cahoots with Citifinancial. My home was foreclosed XX/XX/XXXX. So homeless and no where to go with my XXXX children. I found a realtor to help my find a home to rent. Citifinancial wrote a letter to stating the second was paid in full and that foreclosure would not be on my account which I thought was weird at the time. Citifinancial paid off my first with XXXX and continued to give me the run around and said the only way I could save my home would be to pay the loan XXXX which was impossible. I was past due {$51000.00}. I asked if I could reschedule payment of {$1500.00} and they said no. I was try to get back on track.Then I see that CFPB filed a suit against them for the exact same thing that I went through in XXXX, XXXX, XXXX. I was never contacted about the lawsuit. XXXX XXXX @ XXXX XXXX XXXX XXXX  Ticket # XXXX wrote a letter stating mortgage was current and paid in full and would not put foreclosure on credit and it is on it. I am trying to buy a home and now it appears. I lost my home and 17 years of equity because they were giving me options and paperwork and then stating certain things had to be done. CFPB File No. XXXX and identified the that they were in violation. I never received any payment from Citifinancial only a letter stating that my loan was paid in full. I am hoping CFPB can help me restore my credit so I can buy a home and move forward.
Consumer complaint received 2022-02-06
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: Experian Information Solutions Inc. (PA)

Experian will not provide me with a complete and accurate report as required by law. They did not conduct the FCRAs required and legal investigation based on my factual dispute ( re : XXXX XXXX XXXX Acct # XXXX ) In Experians notification to me ( Report # XXXX Date : XXXX ), I was informed that they would not reinvestigate my dispute, even though they could not provide proof that they processed my initial dispute. 

My credit report does not reflect an update that would coincide with an investigation. The last update for this account is XX/XX/2020. My report is also missing its Notice of Dispute, which means Experian never investigated my dispute.
Consumer complaint received 2022-02-06
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. (SD)

Closed accounts, dates and time. Inaccurate amounts. Late payments reported on accounts that were closed or got closed. Paid accounts or settled accounts still say derogatory. Child support is reported with 3 late payments which is impossible as it is taken right out of my check. The child support is rears and shows a collection account and states derogatory. Been paying on the rears 4 years straight never missed a beat. Only reports negative balance and collection and derogatory, but doesnt report every on time payment. I am denied any types of loans and credit card. Child support should be effecting my credit bureau like it is. I trust u understand. Thank you
Consumer complaint received 2022-02-06
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: Experian Information Solutions Inc. (GA)

I did not consent to, authorize or benefit from any of the following inquiries. XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXANK XXXX XXXX, XXXX & XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (FL)

Very simple. I used the card for business transactions XXXX XXXX XXXX   XXXX. I shipped a tv from XXXX XXXX IN XXXX TO XXXX. XXXX   damaged the tv and I never received it. Wells Fargo denied my claim to dispute the {$110.00} charged to me to ship it and I never even received the service. This is not the first time I have tried to get money back from a bad transaction before. I never even got far the rep was so mean and discriminative. They just dont help you. I want my money back. My tv is gone! Damaged. Im in XXXX I can not go back to XXXX for a damaged tv. The tv is stuck in XXXX
Consumer complaint received 2022-02-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IN)

The credit bureaus are in violation of the FCRA laws due to the disregard of the FCRA laws. I sent a dispute dated XX/XX/2022 requesting them to verify the account by providing documentation of an original contractual agreement from creditor bearing my signature and provide me with the method of verification if the account in question is verified after the investigation is complete or delete the account immediately if they are unable to verify. They then had 5 business days to notify me of the results or that they are still investigating. After 30 days went by I sent a demand & comply letter dated XX/XX/2022 for them to remove the account immediately due to not verifying the account in a timely manner and not providing me with the method of verification. This account has never been verified nor validated per the previous request.
Consumer complaint received 2018-08-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC (TX)

I sent in a forbearance request by mail to XXXX XXXX, but have heard no response. I keep getting mail from them, like they have not received my request. When I tried to call during the day I would be on hold for hours, then the phone would disconnect. I did reach a representative after 45 minutes on hold one evening, only to be told that his computer was down, and he would have to place me back into the que to wait for another agent. I was on hold again about 30 minutes then the phone disconnected. They have no fax number to submit forms, and my time limit is growing close to it going into default for Perkin 's Loan.  Most of my other loans I was able to consolidate and place in forebearance, but not this one loan for {$4000.00}. XXXX
Consumer complaint received 2018-08-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

I have been making regularly scheduled automated payments for over 10 years without a single missed payment. My total student loan debt is divided into three loans, 1 subsidized and 2 un-sub. I have been mailing personal checks for payment to principal on the lowest balance loan since XXXX XX/XX/2018. These checks have included specific instructions in a written letter to apply the principal payment to Sequence Loan # 3, with that info also included on the check itself. I have made seven payments this way since XXXX XX/XX/2018 while my regularly scheduled payments have continued to be made by automatic withdrawal from my checking account on the XXXX of each month in the amount of {$300.00}. Of the seven principal only payments I have made, 5 of them, including the one posted yesterday, XXXX XX/XX/2018, have been misapplied to all three of my loans instead of the individual loan I designated in writing. Each time I have had to either call customer service or email them to request the payment be correctly applied according my express written instruction. In each case they have complied but it takes them several business days to do so. I don't give a flying flip if they corrected each one, this is an incredible failure rate of 5 out of 7 payments over the last 86 days. They don't expect consumers to monitor every single payment like I do and they hope that these 'errors ' will go unnoticed. This is a direct and deliberate effort to keep students in debt for longer periods. Further, my 'principal only ' payments are being applied to interest also, which is illegal. I make regular monthly payments by automatic EFT which cover the monthly obligated interest on all three loans. AES claims that their fine print states that any payment received must be applied to principal and interest due compounded daily. They are using a loose and biased interpretation of banking & finance regulation to twist the process in their favor and keep students in debt for longer periods. Judging by the sheer volume of complaints I have read about PHEAA/AES it is clear that I am one of THOUSANDS of student-loan borrowers who are being screwed by this company. WHY ISN '' T ANY AUTHORITY DOING SOMETHING ABOUT THIS FRAUD!
Consumer complaint received 2018-08-10
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: EQUIFAX, INC. (OH)

In XX/XX/2018 I disputed a fraudulent account with reporting a false incorrect social security number tied to this account on my Equifax credit file. The discovery was made that the Debt Collection Company named XXXX XXXX XXXX, Original Creditor XXXX XXXX has used the name on my credit file to falsely and fraudulently place the said account with a fraudulent social security number that does not identify me. Equifax Dispute result claims the information is correct even though it is obvious the social security number XXXX  XXXX XXXX has provide to Equifax does not match that of my true identifying social security number. Equifax has failed to properly address my concerns regarding the identity theft and I feel my dispute was never investigated. I have filled an Identity Theft Report with the FTC and have included the copy of my Identity Theft Report and all supporting documents required stated in the report from the FTC.