davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-09
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. (MI)

XXXX # XXXX This is the XXXX  time I ask for verification proof of this account. I ask for you to verify this account not to send me another copy of the same report I would like this verification to come in the form account to the # Law # section 1692g # 1 The original application or contract # 2 Any and all statements allegedly related to this debt # 3 Any and all signed receipts # 4 Any and all cancelled checks Under this law you are to supply me with this information. I do not want another copy of this report. I want copies of the application or contract or signed receipts checks etc sir I would like this report removed I am aware that I can take legal action because its is well past my original complaint which gave you XXXX days to get me this information which was file XX/XX/2023. Please either send XXXX of the XXXX requested documents or please delete from my profile
Consumer complaint received 2019-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (NJ)

I tried to purchase a puppy online for {$950.00} on XX/XX/XXXX, on XX/XX/XXXX the seller never mailed the puppy which was the day I was suppose to receive the animal. Once I noticed the puppy wasnt sent a police report was filed on XX/XX/XXXX at around XXXX due to the scam. Police have proof and evidence that I didnt receive any merchandise which in this case was a dog. I tried to contact the bank on 3 separate occasions the first one was on XX/XX/XXXX and they denied my claim a couple days later because in there terms I authorized the payment. On XX/XX/XXXX I called again to refile the dispute which as of yesterday XX/XX/XXXX was denied again. It's just crazy because I tried to make a purchase and never recieved what I intended to buy now the bank doesnt want to work with returning my funds.
Consumer complaint received 2023-05-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Arbor Professional Solutions, Inc. (MI)

This complaint is towards 3 companies for the same reason. 
In 2021, I was XXXX for a XXXX XXXX  treatment program for severe XXXX XXXX After speaking with my insurance company, XXXX XXXX XXXX ( XXXX  ), the original billing office at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) submitted bills using the wrong billing codes so all of the bills were not paid on-time. XXXX spoke with them about the issue and never received resolution. The outstanding balance was {$3400.00}, but XXXX has told me it's been paid. 
Since XXXX did not report the billing correctly to my insurance carrier ( XXXX ), the bill was never paid, which I was not aware of and I was sent to collections for the balance. 
I spoke with the collection 's agency, Arbor Professional Solutions in regard to this and explained the situation to them, but they were unwilling to help. 
They in return submitted the past due amount to an Attorney XXXXXXXX XXXX  XXXX who have now taken me to court, and I have a judgement against me for {$3400.00}. 
None of this was my fault and now this has ruined my credit because its being reported to all 3 credit bureaus, I have an unjust judgement against me and most importantly XXXX has shared with Arbor Professional Solutions and XXXXXXXX XXXX XXXX XXXX. all of my private personal information such as Doctors I've seen, my diagnosis, dates of services and procedures that I have received from this hospital treatment. I know my rights and they have violated the HIPAA Laws by releasing my Protected Health Information ( PHI ) to the collection agency and Attorney office. This private information is not allowed to be shared with anyone without my consent.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

I am disputing the balance of {$4500.00} on this Nissan Acceptance account that was closed and paid off in XXXX  by insurance. My credit report has been in good standing for almost 4 years, and then randomly a couple months ago a random and incorrect balance and late fees appeared. The account that I am disputing is Nissan Acceptance Company. There should be no balance of negative marks and late payments should be removed from my credit report so that my score can be returned to the good score that it was. I have tried disputing numerous times and I have attached the documentation to show that this account has be closed and paid off by insurance for years. My Credit score was in the mid 700s before this randomly appeared recently. I have tried calling Nissan, but they have been no help. Also, I have disputed with the credit bureaus and my score goes up temporarily and then goes back down again. I have all of the documentation for proof, but I have been giving the run around for a couple months now. Please help me!
Consumer complaint received 2019-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (OH)

A check in the amount of {$1400.00} payable to myself sent from a prior employer was intercepted in transit by an account holder at Wells Fargo Bank under routing number XXXX. The check was deposited into an account at Wells Fargo on XX/XX/2018 after forging my signature. Wells Fargo was served with a Fraud Statement of Claim on XX/XX/2018, attached, requesting a return of these funds and has not returned them as of this date.
Consumer complaint received 2019-06-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sherloq Group, Inc (NC)

I made payment arrangements with XXXX XXXX XXXX XXXX and o have been paying the {$35.00} a month. I am sending messages and payment information in this email. 
Now I received a letter that SherlOQ is a collection agency assigned to take over for debt collection. I have an arrangement with XXXX which I am still paying and it is not right for this fraudt company SherLOQ to contact me. I live on a fox income and I am not of work and am barley able to pay my XXXX XXXX arrangement but I do pay it and not XXXX XXXX is reneging on the agreement. I do not have money for anymore payments. I want this company to stop contacting me as I am paying my bill at XXXX XXXX. 

Messages of payment plan acceptance : XXXX on XX/XX/XXXX This message is a reply to XXXX per your reply I will accept the payment plan to pay {$35.00} each month. 
XXXX on XX/XX/XXXX Ms. XXXX I have updated your account to reflect a payment plan. 
SYSTEM on XX/XX/XXXX This message was closed by XXXX My payments : Date Description XX/XX/XXXX Payment made ( through XXXX XXXX ) : {$35.00} XX/XX/XXXX Electronic statement sent : {$430.00} XX/XX/XXXX Payment made ( through XXXX XXXX ) : {$35.00} XX/XX/XXXX Electronic statement sent : {$470.00} XX/XX/XXXX Payment made ( through XXXX XXXXt ) : {$35.00} XX/XX/XXXX Payment made ( through XXXX XXXX  ) : {$35.00} XX/XX/XXXX Payment made ( through XXXX XXXX ) : {$35.00} XX/XX/XXXX Payment made ( through XXXX XXXX  ) : {$35.00} XX/XX/XXXX Payment made ( through XXXX XXXX ) : {$35.00} XX/XX/XXXX Balance updated : {$390.00} XX/XX/XXXX Payment made ( through XXXX XXXX ) : {$35.00}
Consumer complaint received 2023-05-09
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (ME)

Pen Fed Credit Union gaslighted my application process with claims that Ive got proof were not true. I tried working with them. This was personal or racist. Ive got notes. This appeared in cooperation with the appraiser, and they misinformed the VA about my appraisal and condition of my home. The VA then denied my application. These were made up. I did not get my benefit or a refinance. The CU delayed and delayed. I was passed around for answers and assigned new help. These people played very dumb. Its was 6 months and I then lost my locked in refinance. I did not have the issues these people will claim I had. It was claimed I had No Heater in Maine by the appraisal. I have XXXX XXXXXXXX XXXX with more than a 100 gallon tank. I had sent pictures. Other items. This couldnt be resolved so I was FORCED to give up that benefit. I am a XXXX  XXXX XXXX XXXX
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX Account XXXX Account name : XXXX Account XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC. (CA)

XX/XX/2023 phone call would not say who they represent but asked my social and knew my name said trying to collect a debt not the first time they called I keep asking what its about they say they wont tell me unless i give social which i am not comfortable doing got about 10 calls from XXXX XXXX XXXX
Consumer complaint received 2023-05-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (IL)

We have been dealing with XXXX XXXX for nearly 24 months regarding loan modification, loan forbearance, etc. They have given us the run around for over 24months and THEY HAVE NOT RESPONDED TO OUR INQUIRIES on a timely basis. We have applied for Federal Assistance with the IHAF and entered our application with the government agency on XXXX/XXXX/XXXX. When XXXX XXXX sold my mortgage to SLS on or about XX/XX/2023, it screwed up the entire XXXX application process as IHAF was still reaching out to XXXX XXXX who failed to respond because they no longer held the loan. We went back in to the IHAF application and notified them that we were notified that the mortgage provider had now changed to SLS. As of today, XX/XX/2023, IHAF has said that they have reached out to SLS numberous times to obtain some verification called an " i record ''. Even though I have uploaded the most recent default letter received from SLS to IHAF, containing proof of mortgage, loan number, deliquency amount, etc., they still apparently need verficiation from SLS. Today, we called SLS 3 times and following automated verification of my loan information, recieved a voicemail asking to call back during normal business hours. The 3 calls we made to SLS TODAY were made between XXXX and XXXX, CST, which is within their normal business hours. They apparently do not have anyone answering their calls today. We called 2 different numbers : ( XXXX ) XXXX and ( XXXX ) XXXX. 

In addition to not answering our calls today during standard business hours, they insist they haven't received a request for an irecord from IHAF however, when speaking to supervisor XXXX today, at IHAF, she indicated it has been sent and we would have to wait up to 7days for them to respond. We are out of time and have done all we know how to do at this point.
Consumer complaint received 2019-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (AZ)

I was charged over {$620.00} for a XXXX  services. I filed a fraud claim with Discover credit card. I got a letter in the mail stating it was resolved on company letter head and that my credit would remain permanent. I called Discover today and they said I still owe the 600+ money. They said they would not assist me and to go to XXXX.
Consumer complaint received 2023-07-13
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. (FL)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX  XXXX XXXX Balance Owed : {$110.00}.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There is information from XXXXXXXX XXXX  ( XX/XX/2023 ) on my credit report that I am not responsible for. This was something that I did not authorize and have no knowledge of. Furthermore, 15 USC section 602 A. States I have the right to privacy. 15 USC 1681 section 604 section 2. States that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681b Permissible Purpose of Consumer reports, I never gave this institution written consent to pull my credit report. 15 usc section 1681 s-2 Block of information resulting from identity theft. I asked Trans Union to remove this information from XXXXXXXX XXXX immediately. 

*I have attached a copy of my ID *Social security card *Identity Theft Report ( XXXX )
Consumer complaint received 2019-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Credit Karma (CA)

XX/XX/XXXX, I called XXXX to get some hard inquiries removed because I did not authorize them. They told me they dont remove inquiries. How is it fair for them to sell my information to companies to pull my credit report and review without my knowledge and when it is brought to my attention and I try to dispute it they refuse to remove it?
Consumer complaint received 2022-10-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Credit Management - # XXXX - I have no signed contracts with this firm with my valid signature that obligates me to this debt. This is invalid and should be deleted from my credit report under Section 609 of the FCRA. 

This company has inserted this information on my credit report as an INTIMIDATION tactic to scare me to pay a debt that I didn't sign for or does NOT have my valid signature.
Consumer complaint received 2023-10-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

My mortgage is being paid by XXXX. I am being told three months after payments started payments are not being received. The payments are being received but there is a $ XXXXshortage. I was told by a representative that it is not the companies responsibility to notify a customer there is a payment shortage. My credit report has dropped XXXX points due to this. They are reporting my mortgage account as 30 days late and stating I owe XXXX. When that is not the case. I was not notified my mortgage amount has increased so how am I supposed to know to make any type of payment. The representative I spoke with was more than rude. When I repeated what was being said she would say thats not what she said. The calls are monitored and recorded. I then asked for a supervisor and was placed on hold. To then be hung up on. 

I called back and asked for the last representative name which was not given. 

I recorded the phone call. 



I then was told my account is past due and payment was never received when I have documentation all of the payments in reference have been paid. 

Carrington mortgage representatives continue to tell me my mortgage is 30 days past due for XXXX but have received actually payment from XXXX  XXXX. 

All of this information has been recorded by myself. And I have documentation to prove the amounts being quoted as past due are incorrect. Yet my credit report is reflecting a 30 day delinquency. That per the carrington mortgage representative is not carrington mortgage responsibility to notify a customer of a payment shortage or increase in mortgage payment needed. Yet my account is being paid by a third party XXXX  XXXX. 

At the end of the conversation I was told I could NOT make the payment without a representative although I was told I could make the payment online. 

The ball was definitely dropped by carrington and my credit score is being affected. I have a call recorded to prove this fact. 

Carrington has told me there is nothing they can do about it. But its essentially their fault.
Consumer complaint received 2020-09-24
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. (CA)

in XXXX I filed disputes with the XXXX, XXXX  and Equifax. It was my understanding that they have to reply within 30 days of my dispute. They have not done so yet. It now going on almost 60 days which is unacceptable.
Consumer complaint received 2020-09-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

in XXXX I filed disputes with the XXXX, Transunion and XXXX. It was my understanding that they have to reply within 30 days of my dispute. They have not done so yet. It now going on almost 60 days which is unacceptable.
Consumer complaint received 2023-05-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: OLIPHANT FINANCIAL, LLC (TX)

Received a letter from Oliphant USA LLC stating debt was owed. called Oliphant and spoke to representative and advised that the debt was not valid. Rep stated that she would note the account and send back to original credit XXXX XXXX XXXX Never happened, I called XXXX XXXX after the account was put on my credit and they stated that the company no longer had the account is was sold when they purchased XXXX. However the representative advised me that they were collecting on behalf of XXXX XXXX. When the account was added to my credit report, I contacted Oliphant and was advised that they did not know anything about the account anymore due to my file being collected on by the sister company XXXX and XXXX. Called XXXX and XXXX and spoke to rep and advised that I never received a letter to dispute the debt, and the debt was being disputed by Oliphant. RepXXXX stated nothing in file about a dispute and that he could send me a letter out regarding the validity of the debt. The account had been put on my credit report before I could dispute the debt. Oliphant is the collection agency that reported the account, however XXXX and XXXX is attempting to collect on a invalid debt.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom it may concern I have already gotten this account off of my report due to inaccurate information along with selling my information without my consent to a collection agency and I also had this removed a long time ago and they have brought it back onto my credit report as a new account. 

It is also hurting my credit score and I need this to be removed AGAIN IMMEDIATELY! If not I am in touch with an attorney that is ready to take legal action. I am asking nicely to please remove this from my account but it is unjust and unfair that they are doing this to people. I will leave the account information below. 

XXXX XXXX XXXX  Original creditor : XXXX XXXX
Consumer complaint received 2017-03-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (MA)

XXXX is asking me to pay an early termination fee for an account for which I was not responsible. This was a corporate account paid by my employer at the time. I had never made any payments on the account. It was paid by my employer.
Consumer complaint received 2020-09-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (NC)

National Credit Systems continues to report that I have an outstanding balance with XXXX XXXX XXXX on my credit report for {$1500.00}. I have explained to this collection agency that I have not lived at that community for well over 6 years, and when I did, I left on good terms. I was on a month-to-month lease, gave a 60-day notice, and left the apartment in immaculate condition. They even refunded my security deposit. So there is no way this debt exists. The apartment community no longer exists either. It was torn down and replaced with another community years ago. On repeated occasions, I have written to the collection agency, and asked them for a detailed representation of the {$1500.00} in charges they claim I owe. However, my countless attempts to acquire this information have been ignored.
Consumer complaint received 2023-07-13
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)

In despite of my previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$520.00}.