davidheineman/consumer-finance-complaints-large huggingface dataset:
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: CITIBANK, N.A. (FL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, XXXX, on XX/XX/XXXX, CITIBANK NA/XXXX  ( the report does not include information about the creditor ) and on XX/XX/XXXX, XXXX XXXX XXXX XXXX ( the report does not include information about the creditor ) add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2018-05-19
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: NAVY FEDERAL CREDIT UNION (NC)

To Date Navy Federal credit union has not removed over 10k in fraudulent charges on my credit card. They were negligent in allowing someone to open an account stating they were my spouse without any proof. Navy Federal also allowed this individual to call in a check off of that credit cards to pay other fraudulent accounts. Navy Federal actually took the charges off then put them back on. I have read other reviews with this being done to them also. I am seeking a group to move forward with litigation as a whole and also whom are interested in seeking damages and emotional distress. I have followed their process and gone through all of the steps including the process with the police and still Navy Federal has not removed the charges. I have also found 2 others whom have had this done to them as well. They have asked me for documentation and I have sent it. I also sent a message stating I had reason to believe the crook had been selling off my information to others and I have had no response back from them at all. Anyone who can assist us with getting this information in front of the attorney general is greatly appreciated.
Consumer complaint received 2018-05-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (IL)

This is not my debt. Submitted dispute to diversified consultants, accepted & signed for XX/XX/2018. No response to validating my debt, or removing my disputed account. They are past the 30 days to validate a debt. I am requesting this account alleging i owe XXXX be deleted at once.
Consumer complaint received 2019-03-27
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: Receivables Management Partners, LLC (MI)

I made arrangements with XXXX XXXX to remove numerous collections from my accounts once I paid them. The hospitals billed each service separately and I lost track of all the bills. I explained this to XXXX and that the collections were all medical and all to the same place. They agreed to remove the collections ( or at least all but one since it really was only one account holder with many diffrent bills. ) And the agreed. However, now XXXX is stating its credit reporting agencies job to remove them, but the agencies are saying they can't do any thing with put XXXX approving it. Also XXXX bought a collection from XXXX ( XXXX XXXX XXXX XXXX ) and it was paid to XXXX as agreed upon. XXXX is the only agency that refuses to remove this collection as an open collection on my credit report. XXXX and XXXX have already seen to it. So here, I have made all the calls, emails and mailed, emailed, and faxed every receipt and correspondance requested of me with no resolve. I am at a stand still with a purchase offer on my first home, the sellars waiting for final approval from my credit union,  an no one working with me to achieve what was promised. I feel hopeless.
Consumer complaint received 2020-07-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

In the previous 2 complaints to SPS, I am trying to understand who owns my note to my house, and if it is still federally backed, as it was before it changed hands. 

This seems to be a mysterious question, and I cant get an answer. My loan was previously with XXXX, federally backed, as shown in my previous attachment. 

It is being serviced by SPS, but I just discovered the note belongs on a company XXXX XXXX XXXX XXXX. Attn : XXXX XXXX XXXX - XXXX XXXX XXXX. 

Is this loan still federally backed? If not, why?
Consumer complaint received 2019-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am a victim of identity theft. My personal information was compromised and fraudulent charges were included on my accounts without my consent or authorization. I sent this company My letter which explained in detail what was fraudulent and needed removal from my file. I even attached the following documents to prove my case : 1. my Federal Trade Commission ID THEFT REPORT ID # XXXX 2.Proof of identity 3. Section 605B of the Fair Credit Reporting Act. But to my surprise, this company completely ignored me and is still reporting the following accounts with fraudulent charges on them : CAPITAL ONE BANK USA, Opened Date XX/XX/XXXX, Limit {$550.00}, Date of Last Payment XX/XX/XXXX CAPITAL ONE BANK USA, Opened Date XX/XX/XXXX, Limit {$550.00}, Date of Last Payment XX/XX/XXXX Please note that this letter is My final written proof of my intent to reach out to this company before filing a lawsuit against them. 

Attached herewith is the documents I sent them in my earlier disputes with them for reference.
Consumer complaint received 2018-05-19
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)

XXXX XXXX has 2 fraudulent collections under on my credit reports.

Two charges : one for {$500.00} and a second for {$280.00}, both from the same facility and same date of service of XX/XX/XXXX.

I have never received medical treatment in the state of Pennsylvania.

I disputed these fraudulent collections on my credit reports with XXXX, Experian and XXXX approximately one month ago and I received an email alerting me that my disputes had been resolved. However, when I went to check my credit reports, they showed the 2 above referenced collections are still on my reports. According to the reports, XXXX XXXX  claim the collections are correct and the credit bureaus still have them on my record.

I have been on the XXXX XXXX  plan since XX/XX/XXXX and once again, have never received medical treatment in the state of Pennsylvania.

Please help remove these 2 fraudulent collections on my credit reports.
Consumer complaint received 2022-03-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

ARS sent me a letter stating that I owed for three medical accounts in which I had no knowledge of on XXXX. The letter stated I had until XXXX to request verfication/validation of debt. I responded via cerified letter which was recieved by ARS on XXXX. I then recieved a response back with no other information other than the account number and balance which was in the orginal letter sent to me. I responded back to that letter, via certified which was recieved by ARS on XXXX requesting additional information regarding this debt no just account number and balance with no other details which I originally requested in the letter sent to them on XXXX. Instead of responding, ARS placed these accounts on my credit file. This is clear violations of my consumer rights and ARS didn't respond to my letter giving me the information I needed to validate debt.
Consumer complaint received 2019-03-27
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. (TX)

XXXX, Experian and XXXX  are reporting an incorrect coding of the XXXX XXXX   XXXX - account number XXXX. This account is being coded as an M2 when actually this needs to be coded as an M1. 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.
Consumer complaint received 2022-03-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

My COVID-19 loan forbearance ended and I applied for a loan modification through my existing lender XXXXPHH Mortgage and supplied all documentation including PDF 's of my paystubs via email on XX/XX/2022 and an updated application on XX/XX/2022 with the paystubs as a separate PDF 's downloaded directly from my US Government employer. 

I followed up with calling XXXX and was told they were not able to read my paystubs as they are " blurry. '' I resubmitted my full application and paystubs again on XX/XX/2022 and via fax XX/XX/2022. Each time I was told the same information, but now they could read one of the paystubs yet needed another as one was blurry.

I spoke with various Ne I received a letter from XXXX dated XX/XX/2022 stating my application for modification was closed due to me not submitting my paystubs. 

I have called XXXX numerous times and am at wits end since I copied myself on each email to them and can read ALL attachments clearly on my phone, home and work computer. I really feel like XXXX is creating imaginary hoops for me to jump through and want to foreclose on my property. 

I called XXXX today and was told I would have to file a new application but I requested they reopen the application. I am awaiting a supervisor to call me to tomorrow regarding this as no supervisor 's were available at the time I called.
Consumer complaint received 2021-06-10
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: AMERINATIONAL COMMUNITY SERVICES, INC. (CT)

To whom it may concern, Due to covid and the Cares Act and my unemployment, we made an agreement with our mortgage company to get on the forebearance program where we will pay the next payments at the end of our mortgage. XXXX XXXX XXXX. reported us late and NOT paying our mortgage to our credit reports which made both our scores go way down and being delinquint. The mortgage co is XXXX XXXX. Phone # is XXXX. I have documents to back this up. Also my husbands XXXX card saw this information and stopped him from using his card, which he needs and pays off in a timely manner. Thank you
Consumer complaint received 2022-03-07
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. (CA)

XXXX XXXX has refused to update my credit report with their transfer of 2 separate Department of Education Loans to XXXX. The transfer occurred on XX/XX/XXXX. I disputed the reports through the XXXX XXXX app in late XX/XX/XXXX, then again in XX/XX/XXXX, well over 30 days since they transferred the loans. 

The dispute resulted in that XXXX did not agree and the dispute stated it was resolved with the XX/XX/XXXX balance still reported. Both Department of Education loans have been paid in full through XXXX since the transfer. Incorrect information can have a significant impact on my ability to obtain other credit and demonstrate current financial obligations. 

XXXX XXXX has made many errors on my account including withholding that they were going to capitalize interest or failing to give options for repayment. I had to learn how to do everything myself during my time with them as they consistently led me towards increased debt and capitalized interest. They took 6 months to process changes such as payment plan changes and when I was on XXXX mishandled paperwork. Please help me fix this issue so I can finally be rid of XXXX XXXX and their criminally incompetent business practices.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

IVE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES.IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND UNQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2018-05-19
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. (NJ)

Account XXXX ( via XXXX XXXX ) was added onto my credit report without my knowledge in XX/XX/2018. I contacted Transunion via certified mailed receipts. After investigating I was told that this account was verified and to contact XXXX XXXX. I have no knowledge of this account nor XXXX XXXX. I contacted XXXX XXXX via certified mailed receipts and havent received any paperwork or information regarding this account. Per the Fair Credit Reporting Act, Transunion is to provide me with information and physical verification, which I havent received to investigate further. To date, this account is still on my credit report and I have not been provided any information nor has this account been properly further investigated.
Consumer complaint received 2018-05-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

After sending information to verify myself with my disputes, as of XX/XX/XXXX the CRAs have not investigated or responded to the following issues on my credit report at all. They have violated the FCRA 30-day-to-respond regulation. The creditors have attempted no contact with me resulting from said investigations. 

ACCOUNTS XXXX XXXX not mine INQUIRIES XXXX/XXXX   XX/XX/XXXX XXXX XX/XX/XXXX COLLECTIONS XXXX XXXX {$350.00}
Consumer complaint received 2019-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (CA)

I have a checking account in which I post all my payments. I usually have problems but I can solve them through the branch because Customer Service is literally awful. 
This time in particular I was trying to set a payment in one of my credit cards that the online banking did not take. I did several attempt in order to pay earlier my balance and then don't get charge with interests. I couldn't do it in both of my checking accounts. 
Finally the website let me do it on XX/XX/XXXX that it was the due date. That day the Credit Card wasn't payed because I had the money in my account. On XX/XX/XXXX, I check the bank as I usually do every day, and I see that the bank issue a check to pay the credit card. When I received the statement of my credit card, I was charged with late fee and the interests.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

on XX/XX/year> i submited a dispute to Credit Bureaus About XXXX XXXX Account an disputes has been under review status for almost 2 months which violates FCRA guidlines.
Consumer complaint received 2022-03-07
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: United Collection Bureau, Inc. (NC)

This company has violated my Hipaa rights as a consumer and refuses to take the 2 accounts they are reporting off of my consumer reports. I have requested documentation on these 2 said accounts which are double reporting on my consumer reports with XXXX XXXX. I have not signed any documentation for United collection Bureau to have ANY access to my private non public information yet they have copies of my procedures as well as my insurance information and test results. I have confirmed this with the original creditor as well. I want these accounts removed from ALL Consumer Reporting Agencies immediatly. 
Account # XXXX {XXXX} Account # XXXX {XXXX
Consumer complaint received 2018-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NV)

on XX/XX/XXXXa mastercard was closed by XXXX XXXX. i spoke with employee XXXX XXXX said that he could only file a comment. he read off that a reporting agency transunion is reporting that i have to many inquirys ( 1 from XXXX XXXX ) my credit score ( XXXX ) usage and balance of the card ( {$0.00} ) were all factors of closing my account, i was told that the card was not a department store card i could use it anywhere. 
Account opened XX/XX/XXXX closed XX/XX/XXXX even tho i did not choose to close this account. 

the rep i spoke with really did not give even after i mentioned that this is an fcra violation. i asked if some one would follow up? he mentioned that this was just be documented for back office.
Consumer complaint received 2018-05-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I just got a bill in the mail saying I owe money to merchant XXXX XXXX, seller XXXX XXXX XXXX XXXX, original creditor XXXX XXXX XXXX XXXX and creditor to whom debt is owed Portfolio Recovery Associates, LLC balance said to owe XXXX. I have no clue what this is and I know I don't owe this I have never had a credit card ever I didn't want the issues that come from having a credit card and if this is a medical debt of some sort I am on Medicaid insurance thru XXXX XXXX XXXX XXXX. The account number for all of this is XXXX Last four of my social XXXX Birthdate XX/XX/XXXX
Consumer complaint received 2022-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Payment for balance of {$6100.00} was mailed by check on Friday, XX/XX/XXXX. According to the online account, check payment was not received as of Friday, XX/XX/XXXX. I contacted Capital One and they said they had not received it, it was not in their system. I made an online payment on Saturday, XX/XX/XXXX assuming the check was lost. On Monday, XX/XX/XXXX my account shows both payments were received, the check on XX/XX/XXXX and the online payment on XX/XX/XXXX. I contacted Capital One again and was told there would be a 15 day waiting period, plus 7-10 days to mail a check for the over payment. I was given the incorrect information that the check was not received, when it was actually posted on the XXXX. Now I have to wait 22-25 days to receive the refund check, which is unacceptable. I sent the second payment, based on wrong information provided by Capital One, now they are refusing to send back the over payment in a timely manner. Both payments were cleared from my bank, there is no reason for a hold.
Consumer complaint received 2022-03-07
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

Company writes false information on all three credit reports after becoming military XXXXXXXX. XXXX XXXX military XXXXXXXX in 2015 after suffering an XXXX XXXXXXXX and becoming XXXX. Company writes that payments have been made by me in order to keep the report active. No contact with the company since the recovery of the XXXX. The payments that the company is reporting. Fraud is being committed and the company sold me a XXXX packet for debt protection and attempted to block my use of it. Company ignores the 7 year rule.
Consumer complaint received 2018-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Diversified Consultants, Inc. (NV)

I was contacted by DCI about a XXXX XXXX  bill. I explained that I filed bk on XX/XX/XXXX and they were automatically included since it was under 500.00. The representative told me that since the account did not go delinquent until XX/XX/XXXX that it was not included. I explained that I was disputing the account because the account has been past due since XX/XX/XXXX and that it was included and that the amount was incorrect. I notified the company that I was disputing this account and they have made no attempt to validate. This is not a valid debt.
Consumer complaint received 2019-03-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: HYUNDAI CAPITAL AMERICA (CA)

On XX/XX/XXXX in the late afternoon or early evening my boss took me to check out at ad for XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX. Telephone number is XXXX. I called before going and was told that some of the cars from the current ad where still there. When we arrived in a matter of minutes all the cars were gone so I picked another vehicle. I filled out the credit application and was told that I needed a co-signer ... or they would carry me with more down. I asked at that point if that would require another credit check? I was lied to. I was told not to worry that all inquiries are soft until approval then it would be more detailed at contract signing. I went home to get more money and in checking my credit report I discovered that their credit department ran my credit 5 times with agencies I never approved of. They even tried with my own bank without my permission. This tactic of lying, confusing and misleading advertising and marketing is high-pressure sales without concern for the consumer so now that I was deceived I refused to go back to XXXX XXXX XXXX with my {$3000.00}. Because I never bought the car from them now my credit report reflects a flat out denial when I could have bought the car. I called several times and nobody would come to the phone nor call me back ...!!!