davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (AL)

wakefield has an alleged debt listed on my credit reports Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. 
Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2019-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

When I apply for credit it show old I correct address in XXXX not my new one in  XXXX   XXXX and it show my name wrong it XXXX XXXX only also show me o. Some reports as being past away I see XXXX XXXX on my report as one of my name that's my dad which is has been pasted away four years now I need my  information correct
Consumer complaint received 2019-09-09
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ALLY FINANCIAL INC. (TX)

They have contacted every family member, my ex-husbands family, my mothers boss, my mothers landlord and told all of them they are the XXXX County with a warrant out for my arrest. Problem is when I have contacted them and provided my updated info, its just a creditor Ally who is attempting to take me to court for a repo from 5 years ago. They already took me to court and lost, so they are getting even dirtier with their tactics now.
Consumer complaint received 2018-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ASSOCIATED BANC-CORP (WI)

On or about XX/XX/2018, 20 unauthorized transactions totaling {$460.00}, were debited from checking account. After going through the process of filing an unauthorized claim, the bank concluded money can not be refunded because there have been previous transactions in my account history with the same merchant. While I can agree with this conclusion partially ( I did authorize previous transactions to this merchant in the past ), I disagree with the finding because all of these charges in question came from a different IP address than the one listed in my previous account history. If proper researching was done in the first place, it would demonstrate that purchases I authorized my son to make over the course of the past 2 and a half to 3 years ago emanated from a completely different IP address than the one in which these charges originated. In other words, the charges were made by another child who accessed my son 's XXXX account to which my debit is attached without our son 's permission while my family was away running errands from his parent's/grandparent 's home. 

Furthermore, when I allow my son to make charges, they never total to {$460.00} -- - period -- - because an XXXX-year-old doesn't have the means to repay this debt. In other words, we normally allow him to make purchases in the amount in which he can repay immediately. Naturally, the bank requested " confirmation of cancellation with the merchant, date of cancellation, confirmation number or the name of the person I spoke with ... '' Since these items are irrelevant to my situation, I attempted to further explain my situation to the bank and as of this morning, this matter is still unresolved. By the way, I did ask if this wasn't the proper forum to have my concern addressed, could I be advised as to the proper channel to have my concern addressed. Needless to say, I'm still waiting ... 

My point in all of this? First and foremost, my husband and I don't have {$460.00} to waste on frivolity. As a result of these unauthorized charges, I have and continue to incur difficulties with this bank such as NSF charges that wouldn't normally be assessed if had the money been in the account. My family of XXXX is a single-income home. I became XXXX over 25 years ago, and don't receive any support, such as XXXX, from the government. The response I was given from this bank was totally inapplicable to the set of facts presented. Attached to this document, is all of the correspondence which has transpired between myself and this bank. Having worked in the banking industry previously, I will say that this is not customer service. Proper customer service includes researching if/when discrepancies and/or disputes occur. I have no reason to promulgate falsehood. 

It is my hope that an acceptable resolution to this problem be reached -- - and reached soon!
Consumer complaint received 2018-04-15
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. (FL)

After 3 attempts, I have attempted to remove the " dispute '' status information from my credit reports. Time and time again, after speaking to customer representatives from Equifax, XXXX  and XXXX, I was told the dispute comments would be removed ( since I'm no longer disputing the information ). I do not know what else to do, since the credit reporting agencies continue to place the accounts in dispute, after I have told them to permanently remove it ( as I'm no longer disputing the status of the accounts ).
Consumer complaint received 2020-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XXXX XXXX  WILL CLAIM THIS IS DUPLICATE LIKE THEY DO WITH ALL COMPLAINTS SO I WILL NOT INCLUDE THEM. When things open back up I will follow up. See attatched FTC IDTHEFT case XXXX CONFIRMING NO ACCESS USAA & XXXX XXXX  TO NO AVAIL. ** I followed all Government Guidelines for FRAUD ON ACCOUNTS TO NO AVAIL. NEITHER BANK FOLLOWED STATUTES for FTC ID THEF. Banks do NOT!! Banks do NOT PROVIDE ACCESS to my XXXX XXXX & XXXX XXXX  XXXX. What are the WEB ADA GUIDELINES? ( What Watchdog Agency oversees ADA Access to Financial Services On Line?? ) WHAT ARE ADA ON LINE LAWS TO PROTECT? TODAY 'S World IS ALL ON LINE. XXXX PEOPLE MATTER!! ( ** USAA & XXXX  HAVE A FINANCIAL RESPONISBILITY TO PROVIDE ACCESS. ) I Request USAA & XXXX  SEND SPECIFIC ( everything needed to hook up ) INSTRUCTIONS FOR ACCESS. ie What tech EQUIPMENT is required? What ADA tools Available for Access XXXX XXXX XXXX? Please send to my home address on file. WITH BRICK & MORTOR STORES GONE IN NEW AMERICA XXXX NEED NEW ADA LAWS ACCESS ON LINE GUIDELINES FOR ACCESS TO ALL FINANCIAL SERVICES. Able Bodied Work from Home Citizens Now Scream for Access XXXX HAVE BEEN DENIED.
Consumer complaint received 2023-03-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (AL)

In XX/XX/XXXX, XXXX XXXX  XXXX finance my home. I applied for the COVID-19 mortgage assistance in XX/XX/XXXX with the XXXX XXXX XXXX XXXX XXXX XXXX ). I signed the third-party authorization form for XXXX to process my request. XX/XX/XXXX, my application was approved for 12 months of mortgage payments up to {$50.00}, XXXX toward my loan. XXXX begin submitting payments in the amount {$1800.00} on my behalf to XXXX XXXX  XXXX XX/XX/XXXX. On XX/XX/XXXX, my mortgage loan was transferred to Specialized Loan Services LLC XXXX ID XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX : XXXX Fax : XXXX. 

I have filed previous complaints regarding SLS Mortgage failure to provide XXXX Information to resume my mortgage payments and correcting my credit report at the Credit Bureaus. After 6 months of call and submitting numerous complaints, SLS MORTGAGE finally provided the requested information to XXXX. 

Unfortunately, I am still experiencing problems with SLS Mortgage. The mortgage company is not posting my AHFA payments ( on my behalf ) to my mortgage account. According to XXXX, on XX/XX/XXXX ( attached ), their office processed and submitted my mortgage payment in the amount {$1800.00} via Wire to SLS Mortgage for my XX/XX/XXXX payment. As of this writing, my XXXX XX/XX/XXXX payment has not been applied to my account. I have contacted their office numerous times and requested an investigation to locate and post my XXXX XXXX payment to my accounts. However, the issue has not been resolved and I am getting numerous phone calls from SLS Mortgage regarding my XX/XX/XXXX payment that they have received from XXXX but failed to post to my account. 

I am contacting your office for help to get the issue resolve so that to bring my loan current. Thank you,
Consumer complaint received 2022-06-12
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: NCB Management Services Inc. (NJ)

Information on this account I would like it to be removed From my XXXX and XXXX be XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Payment summary XXXX XXXX XX/XX/XXXX - XXXX XXXX  - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - XXXX XXXX - XXXX PAYMENT HISTORY LEGEND Status Charge-off Status date XX/XX/XXXX Past due amount {$0.00} Original loan amount {$13000.00} Monthly payment {$0.00} Additional info Responsibility Individual Terms 74 Months Company sold NCB MANAGEMENT SERVICES INC .
Consumer complaint received 2020-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion has on XX/XX/2019 credit report a phone number showing as XXXX in which is not no number that belongs to me. Remove the phone number or provide proof by what ever company this number is coming from.
Consumer complaint received 2019-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NY)

I have had multiple personal and business accounts with american express for nearly ten years. I have never once not paid the balance in full before the due date. Given my flawless account history I have over a {$300000.00} line of credit with them. They have recently locked my accounts to do a risk review. I provided my tax returns showing healthy income and offered to submit my business returns which show 10 million plus in revenue. They said they only want the personal returns. 12 days later they permanently canceled all of my cards. They did not give me a suitable explanation besides that I was linked to another card holder who had a delinquent account. This additional card holder works for me a few hours a week, and I got him a card to purchase some basic office supplies once a week. I was not aware this account holder ever had financial issues with american express. As a result of this all of my accounts were shut down. American express refused to issue my points that were on the most recent statements which totaled over 200,000 points, in addition they refused to refund all of my membership fees totaling over {$1000.00}, and they demanded I transfer all of my points out of my account same day with resulted in a major financial loss. In addition I relied on this card for all of my business spending and now my business is crippled and can not be repaired for many months. I believe this level of bullying from corporate America is unjust and unfair to a small business owner. All assistance it appreciated.
Consumer complaint received 2018-04-15
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: ENOVA INTERNATIONAL, INC. (NY)

I am a victim of identity theft. Several years ago my office was broken into and several identity documents were stolen. After the identity theft several accounts were applied for and/or opened in my name without my knowledge or consent. I filed a police report and have attached a copy of it to this complaint. I ordered my XXXX report and found the inquiry below which was not authorized by me : XXXX XXXX on behalf of CNU Online Holdings Date : XX/XX/2018
Consumer complaint received 2022-05-03
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. (GA)

On XX/XX/XXXX I filed a complaint on XXXX XXXX XXXX. XXXX XXXX XXXX is refusing to remove " DEROGATORY '' and inaccurate information from my Experian credit report as XX/XX/XXXX. 

1 ) In my Experian profile XXXX XXXX XXXX is currently reporting the original loan balance as {$13000.00}. 
On my XXXX Credit Report it states the original loan balance {$12000.00}. 
There are inconsistency in the original loan balance on two of 3 of my credit reports from XXXX XXXX XXXX, therefore I'm requesting all inaccurate information from XXXX XXXX XXXX be removed immediately. The account is closed! 

2 ) This account has been settled and paid in full in XXXX, has never been late. 
Therefore XXXX XXXX XXXX is in violation, as a consumer I have right to a accurate credit report. This must be removed immediately. 

15 U.S. Code ss 1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

15 U.S. Code ss 1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 

XXXX XXXX XXXX has abused, violated my rights as a consumer, I will take legal action against XXXX XXXX XXXX if all this information isn't removed immediately!! 
And I ask Consumer Financial Protection Bureau open a thorough investigation into XXXX XXXX XXXX of how they handle consumer credit reports.
Consumer complaint received 2020-12-14
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: BARCLAYS BANK DELAWARE (AZ)

I submitted a billing dispute and followed Barclays instructions and disputed a XXXX XXXX airline charge, that had a {$600.00} variance that I wanted to be made whole on, based on a US Dept of Transportation enforcement action. 

I provided this information to Barclays on XX/XX/XXXX, after the formal 60 day billing resolution period. I received a form letter back from Barclays on XX/XX/XXXX, stating that since it is beyond the 60 day window, they can not help me. 

I called Barclays team ( Case ID # XXXX ) and spoke with XXXX  XXXX in the XXXX on XX/XX/20 at XXXX MST. She informed me that I would have to create another dispute letter to explain why I wanted Barclays to pursue this beyond the window of time. I provided all this detail in my original letter to the bank. ( XXXX ) The bank has an obligation to contact the merchant and obtain some type of acknowledgement in this situation.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-11-29
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: EQUIFAX, INC. (SC)

Equifax is re-reporting a previously removed fraudulent collection account that was a result of identity theft. The account listed under XXXX XXXX XXXX was removed in XX/XX/XXXX, However, Equifax re-reported it in XX/XX/XXXX without notifying me. This is a clearly violation of the FCRA as they are not supposed to re-report a previously removed account without notifying me which they did not do. 
In addition, there customer service representatives were of no assistance and did not care that the account had already been removed.
Consumer complaint received 2018-11-29
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: Experian Information Solutions Inc. (SD)

On XX/XX/2018 I attempted to pull my annual credit reports from the three bereaus using XXXX. The first one in the list, experian, did not work  however the other two did. I attempted to pull experian again and I get a generic error that other people on the internet seem to receive quite frequently as well. There is no method to contact them other than via mail. The phone number I was able to track down on the internet does not allow you to speak to another person and the automated phone system does not have an option for my issue. 

This is the error I receive : We're sorry A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX XXXX form. 

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Thank you.
Consumer complaint received 2018-10-15
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: Resurgent Capital Services L.P. (CA)

XXXX XXXX XXXX ACCOUNT NO. XXXX IN CARE OF RESURGENT CAPITAL SERVICES IS ATTEMPTING TO COLLECT FOR XXXX /XXXX A FRAUDULENT DEBT. 
They have placed this debt wrongfully on my XXXX  CREDIT REPORT. 
I NEVER ORDERED XXXX ANYTHING, NEVER HAD A CARD. 
I believe it is possible ID THEFT as I have had a problem with other accounts opened completely unknown to me.I had my car window smashed in about XX/XX/2015 and my purse with ID and credit cards were stolen.The XXXX XXXX police showed up and filed a report.
Consumer complaint received 2018-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I deposited 2 USPS money orders totaling {$1100.00} on XX/XX/XXXX at an ATM.

Now I get this notice of a hold : Deposit Hold {$1000.00} Total amount delayed, available XX/XX/XXXX at XXXX XXXX PT I thought USPS money orders were supposed to be available funds after 2 business days? Why is there a 10 day hold?
Consumer complaint received 2018-11-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (TX)

RoundPoint Mortgage purchased my mortgage from prior lender. They have tried to raise my monthly payments by over {$700.00} per month but we paid a lump sum and it only went up about {$450.00} per month. The reason for the increase is because they say we had insufficient $ in escrow. I am over age XXXX and homestead my home. I do not agree with the taxes they are charging me. I have written them and no response ( documentation attached ). I have held for over 90 minutes only to get them to tell me they have no record of my correspondence. I have been hung-up on by the telephone staff. I have been refused multiple times for a face-to-face meeting with their local office. I can get absolutely no help from RoundPoint Mortgage and I can move my mortgage since interest rates are significantly higher now than when I bought my home.
Consumer complaint received 2018-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX XXXX with no successful resolution. XXXX is the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.
Consumer complaint received 2018-04-15
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: KBR INC DBA RASH CURTIS & ASSOCIATES (HI)

I have made efforts in getting rid of a collection account for the medical that does not belong to me. Its clearly showing on the report the last reporting date was in XX/XX/XXXX I reside in XXXX Hawaii XXXX since XX/XX/XXXX never been to hospital of out hawaii I have notified them that I believe that I am a victim of identity theft and was ask this debt collector provide me information about the debt amount {$3100.00} The company has failed to adequately provide me with documentation that the account actually belongs to me. I would be happy to view any signed paperwork by myself and a copy of any adequate identification that was provided during the transaction. Of course this does not exist in the account should be removed Immediately as required by law and the rules at Set fort for ID theft victims