davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-12
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ideal Collection Services, Inc. (FL)

Hello, So I live at the XXXX at XXXXXXXX XXXX in XXXX to XXXX, after I left I never received an invoice for their final bill. I did not know I had a final bill until after it hit my credit. I gave them a forwarding address, but I never heard from them again. I called the collection agency after I saw it hit my credit, but they are a smaller agency with very old equipment that is not up-to-date, so they had to go to some storage shed to get my file, which will take up to 30 days. Anywho, the apartments I moved out of charged me for carpet that was installed before I moved in, they said that it was because it was so damaged that they had to replace it after and charged me a pro-rated amount or something along those lines. These carpets only have a 5 year life expectancy, and i called the flooring place. The carpet was not updated again until XXXX, so they charged me for carpet that was obviously not damaged enough to have to replace again until the end of Its 5 years, which they would have had to replace anyway. 

Im requesting proof of the cleaning fees and the carpet replacement after I moved that was before the 5 years lifespan of the carpet.
Consumer complaint received 2022-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (CA)

This is the second complaint in XXXX years that I have made to AWA COLLECTIONS, they continue to report an account that they could not verify to me. I advise them several times that I wasn't even in the states at that time of the event. AWA COLLECTIONS said that they would investigate the problem and remove it from my credit report, this was a year ago today I checked my credit after XXXX year and that account is still listed there illegally they never investigated nor did they call me to confirm it was my account. 

Keep in mind I don't even have a driver 's license. 

I called several times and spoke to ruthless representatives that couldn't verify an account to my name and yet they still reporting on my XXXX report. 

I will attach a copy of what it's showing on my report.
Consumer complaint received 2017-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NJ)

On XX/XX/XXXX I deposited a XXXX XXXX XXXX check XXXX {$4400.00} at a Citibank ATM in XXXX. Citi  incorrectly encoded the deposit for {$4900.00}. They later issued an adjustment debit of {$500.00} on XX/XX/XXXX ( Case # XXXX ). While this seems to be the correct course of action, Citi had already collected {$4900.00} from XXXX XXXX, evidenced by my XXXX XXXX XXXX statement. The {$500.00} was never received by XXXX XXXX despite my numerous attempts at contacting both banks. XXXX XXXX is requesting I contact Citibank, while Citibank is redirecting me back to XXXX 's. To date, I 've provided copies of the deposit along with Citi 's investigation report ( cited above ) to XXXX XXXX  whom attempted to reach Citibank on XX/XX/XXXX while issuing provisional credit- Citi had not  responded and the credit was reversed. This has surpassed 6 months, and neither bank is able to resolve this matter.
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Shellpoint Partners, LLC (CA)

On XX/XX/2022 I applied for an mortgage loan with a major bank. I authorized to pulled my credit reports. The bank told me that my mortgages aren't on my credit reports. I have my current credit reports. I explained I had these mortgages for years. On XX/XX/2022 I contacted my two mortgage companies by fax : XXXX XXXX XXXX, XXXX advising monthly amounts {$1700.00} not being reported and 2.Shellpoint Mortgage amounts {$1500.00} not being reported. I have the letters that was faxed.
Consumer complaint received 2020-02-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FMS Inc. (VA)

i received a call today ( XXXX ) from XXXX XXXX XXXX telling me i am in the rears on a synchrony bank/paypal credit card. I told them this is wrong, since i closed that account in XX/XX/2012 and the debt was paid off. I called XXXX XXXX  who shows this card was closed with a XXXX  balance and XXXX who says the same, account closed and no balance due. When i called back to XXXX XXXX XXXX they wanted more personal information that I was not going to give over the phone to someone i don't know and that i was reporting this to you. 
thank you XXXX XXXX XXXX XXXX XXXX XXXX, va XXXX Phone number - XXXX XXXX used this phone number to contact me : ( XXXX ) XXXX
Consumer complaint received 2020-02-11
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. 

XXXX XXXX XXXX XXXX {$140.00} XXXX  XXXX {$3800.00} XXXX XXXX XXXX {$1000.00} XXXX, XXXX XXXX {$140.00} XXXX  XXXX {$250.00} XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX {$600.00} XXXX   XXXX {$31.00} XXXX XXXX {$31.00} XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX {$8100.00}
Consumer complaint received 2016-10-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have sent letters to all XXXX credit reporting company regarding a bankruptcy that is listing on my report. all XXXX as saying that they have verified this but after contracting the bankruptcy court the stated that they do not report, nor with they verify any inquiries regarding bankruptcy due to privacy. since this ca n't be verified i want it to be removed from all XXXX credit reporting companies, transunion, XXXX, and XXXX.
Consumer complaint received 2016-08-10
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK (FL)

On XXXX XXXX, XXXX, per my XXXX XXXX statement, Discover Card hit/posted my account ( ending in XXXX ) with a charge of {$230.00} from XXXX Car Rental, which I did not make, and submitted/attempted 7 times by the vendor and Declined 7 times by Discover because it had been attempted on a prior account ( ending in XXXX ) which had been cancelled in XXXX for reasons of Fraud. Nevertheless, eventually, Discover accepted the current charge to account XXXX from the vendor, paid the vendor, transferred the charge to XXXX closed Discover account XXXX to active Discover account XXXX and is now trying to collect it from me saying the vendor 'pushed ' it through even though they ( Discover ) declined it repeatedly. How can this possibly be? ... or even be allowed? The frustration I have gone through with Discover is beyond belief, not accepting responsibility for what happened. Discover should be reprimanded in the harshest way for a system that is allowing such a financial transaction being fraudulently passed on to a Consumer and on an Account they know is not responsible.
Consumer complaint received 2022-10-07
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. (SC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

My complaint is with Experian Credit Bureau. I contacted the company by phone on XX/XX/2019 ( Wednesday ) to find out why my score dropped by 17 points then increased by 2 points within a 2 -3 days time period. First, I spoke with a lady who could not answer my question, so she transferred me to a Credit Specialist named XXXX. XXXX  told me that my score dropped due to a closed account with  XXXX XXXX/XXXX. I mentioned to him that the account was closed back in XXXX of 2019, which should not be affecting my account now. He put me on hold for over an hour and never replied back, so I hung up. The lady who transferred me said I could put in a dispute online and upload the proof, but the site said my connection was blocked. Also, XXXX said the closed account was recently reported as closed ( as in XXXX ), but this account has been closed since XXXX of 2019. This closure has popped up at a time when I am in the process of trying to move, coincidentally. If any documents are needed for proof upon receiving this complaint at a later time I will be happy to provide them. However, I noticed that Experian has removed this XXXX closed account off my report which was on there back in XXXX. I will post the scores and dates below. Another thing I would like to mention is that I have had my score dropped before with another agency by 100 points and was never given a reason as to why. Someone is messing around with my credit scores and I don't know who the culprit is. Also, I currently have a fraud alert on my credit, though there has not been any new activity on my report. Hope I can get this matter resolved because it is affecting my livelihood. One more thing I would like to mention, is that the customer service representatives are rude and arrogant. Thanks. 

Dates Scores XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX
Consumer complaint received 2022-01-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (MS)

On XX/XX/XXXX, I pulled my credit file and Midland Credit reporting inaccurate information. On XX/XX/XXXX, I mailed a Cease and Desist and Validation letter. I mailed a second Cease and Desist and Validation letter on XX/XX/XXXX to To date, Midland Credit has not responded to my letter to provide all documentary evidence to prove I owe the debt. They continue to communicate with me via the Credit Reporting Agencies and by mail.
Consumer complaint received 2022-01-26
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: AMERICAN HONDA FINANCE CORP (CT)

I see things may be inaccurate. Start looking at the high balance. I believe this information may be inaccurate. This needs to be removed now. 

AMERICAN HONDA FINANCE XXXX Date Opened : XX/XX/2020 Balance : {$24000.00} ;
Consumer complaint received 2022-01-26
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. (CT)

Evaluate this account reporting by making a revision of the information provided. Charge off account should show {$0.00} balance so why there is {$810.00} balance indicating if it is charge off account. 

XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2020 Balance : {$810.00} ;
Consumer complaint received 2022-01-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

PHH Mortgage is double dipping on collecting payoff amount by considering increased value due to improvements made and not giving credit for invoices and cancelled checks as evidence that I paid for these. They previously verified improvements on XX/XX/XXXX and had their Appraisal that can be matched to see the subject did not have the new improvements made and verified with new appraisal in XX/XX/XXXX. Ive requested to speak with Supervisor as my payoff request has not been completed in almost 30 days. They are taking advantage of improvements made after XXXX by using the new value and requesting due to pandemic worldwide use the new value that confirms improvements made
Consumer complaint received 2022-10-07
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: Neon Newco Corporation (GA)

After my card was charged for a unauthorized transaction I attempted to call netspend to dispute charges and was treated with unprofessional and unethical customer service. It was highly unsatisfactory and I have yet to receive any response or resolution. My account has been locked and I have been requesting to speak with a supervisor and was hung up on several times
Consumer complaint received 2021-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION (TX)

I am a XXXX in the united states XXXX  and penfed credit union has restricted my accounts with over XXXX XXXX dollars in cleared ballances acctoss my accounts the credit union has locked my online access without any reason or explanation i call and get the run around then just yesterday i accidentally entered my pen fed card into XXXX and it gets approved i tried to use again and it went back to being restricted penfed needs to unrestrict my accounts immediately or just let me close my accounts and retain my ballance
Consumer complaint received 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Commonwealth Financial Systems, Inc. (VA)

My medical debt from XXXX came off my credit report in XXXX. The company Commonwealth Financial Systems bought that debt and put it back on my credit report noting it as debt from XXXX. This information is false.
Consumer complaint received 2020-02-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I filed Chapter XXXX bankruptcy in XXXX of XXXX -- it was finalized ( completed ) this past fall of XXXX. My XXXX XXXX   mortgage was excluded from the bankruptcy and I continued payments. I requested several times during the bankruptcy that they resume credit bureau reporting to no response. I waited until it was finalized and I again requested that they resume credit bureau reporting. They have denied this request and claim it is their policy to stop all reporting after you file. I can understand them doing this BUT if a consumer requests individually that you resume, I feel that request should be granted. 

I have had this mortgage fifteen years and have never once been late -- every single payment has been made on time. I feel like this is continued punishment for having filed bankruptcy. I was counting on this to help rebuild my future going forward and I feel like it's a slap in the face. I will fight this for every single person out there in my position until it is made right. I will file a complaint with every agency I have to until my complaint is given legitimate review.
Consumer complaint received 2019-09-10
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: DISCOVER BANK (NV)

XXXX is reporting fraudulent accounts on my credit file and they are not complying with the FTC.or FCRA 1. XXXX XXXX XXXX fraud 2. discover bank, fraud 3. XXXX XXXX, isnt mine All these account should be removed according to the FTC, FCRA
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

According to XXXX, this account needs to be removed quickly. I'm upset because it's on my credit report, even though it's not mine. I strongly urge the company to remove it promptly.
Consumer complaint received 2022-01-25
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (MD)

I am a XXXX XXXX XXXX  vet also the widow of a XXXX XXXX XXXX XXXX  veteran. I financed a home using my VA entitlement through rocket mortgage. 
As a veteran I am able to allow another veteran to assume my home mortgage using their VA entitlement and my entitlement will be restored. My daughter who is also a veteran with great credit and very able to afford the mortgage wants to assume my loan. The mortgage principle is 490k and it appraised for 580K. 
which doesnt really matter because the loan is being assumed as is. It remains the same from one vet to the other. 
Rocket mortgage refused to release my entitlement unless I paid them 26 thousand dollars first. I called the VA and was told that is not the policy of the VA. 
If I try to purchase a different home I will have to pay hundreds of dollars extra monthly for mortgage insurance and put down a large down payment. XXXX says it supports veterans. I certainly dont feel supported.
Consumer complaint received 2016-10-31
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Delbert Services (IN)

I received a call form XXXX County of Government XXXX on XX/XX/XXXX. The caller asked that I call XXXX for more information on the case. I called the number, which turned out to be a debt collector working on behalf of Western Sky. The representative said I bounced a check in XX/XX/XXXX and wanted to know if I wanted to settle the matter now. I thought it was strange because I commisssioned a debt consolidation company to pay off all of my debts and this one was not included. The gentleman asked my name and proceeded to state my last XXXX of my SSN. When he stated the address, the address mentioned was n't my address. I stopped him and ask for documentation of proof, since the information he was giving was incorrect. He began to raise his voice, so I hung up the phone. The representative in turn, call my phone at least 4 times leaving harrassing message calling me a scum and telling me I had no intentions of paying the debt, I waited and then call him letting him know what ( this scum ) would do. I do n't know who this person is/was and I really do n't want to know. But his behavior and the threatening manner in which he spoke to me was/is unacceptable.
Consumer complaint received 2020-02-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (IL)

I received an email alert on XX/XX/XXXX regarding low balance in my checking account from US bank. I called my local US bank that I did not issue any large transaction. I was informed to call on XX/XX/XXXX because a check was made out with amount of {$3200.00} and picture of check would be visible then. I called the bank and was informed that a check was cashed under my name at branch # XXXX with possible false ID? 
This branch is located at XXXX XXXX, CA and I live in XXXX, IL I called the XXXX XXXX, CA branch asking why this phony check was cashed. 
I want an investigation with the teller who cashed the check out. 
Date of transaction on check was XX/XX/XXXX I called US bank fraud department on XX/XX/XXXX and my checking account has been blocked until I receive my refund.
Consumer complaint received 2020-02-11
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. (AR)

I pulled my credit for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$830.00} US DEP ED XXXX {$26000.00} US DEPT ED XXXX {$36000.00} DPT ED/XXXX  XXXX {$60000.00} XXXX XXXX {$590.00} XXXX XXXX XXXX {$68.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-FILED XXXX {$0.00}
Consumer complaint received 2020-02-11
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (NY)

I was shocked upon reviewing my credit report and I found a 30 day late reporting in XX/XX/2017. I am not sure how this happened. I believe I made all my payments on time I paid as soon as I get my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am an identity theft victim due to an XXXX  credit breech. on XX/XX/2020 I submitted identity theft documentation to Experian credit bureau and they continue to report fraudulent accounts, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.Section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Consumer complaint received 2020-02-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OpenRoad Lending (SC)

Open Road Lending had 4 companies pull my credit. I didn't authorize them to pull my credit. I called them and told them I want these inquires to be removed. I had people in Florida pulling my credit and using my credit. Ive put a freeze on my credit report to cant this from happening. They had my husband credit file pulled also his name is XXXX XXXX