davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In XX/XX/XXXX, I provided XXXX XXXX XXXX XXXX XXXX with all of the information needed to have me removed from the VA mortgage, as it was fully assumed by my husband. The original balance was {$220000.00}. The monthly payment was {$1400.00}. Instead of removing my name from the loan, XXXX XXXX XXXX XXXX XXXX reported that I opened a new mortgage on XX/XX/XXXX with the amount of {$220000.00}. I spoke with XXXX XXXX XXXX XXXX XXXX on multiple occasions to let them know that instead of removing my name from the mortgage, they reported that I opened a new mortgage. XXXX XXXX XXXX XXXX XXXX stated that they reported to the 3 credit bureaus that the account was closed. They also stated that the did not report that a new mortgage was opened. I was told by XXXX XXXX XXXX  that I needed to dispute this with all 3 credit bureaus. I disputed the information that a new mortgage was opened in XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX reported to the bureaus that the account was closed on XX/XX/XXXX. All of this information is incorrect. The account on my credit report shows XXXX XXXX XXXX with a number under the name stated as XXXX. This has reflected poorly on my credit report. It looks as if I opened a new mortgage with XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX and then closed it in XX/XX/XXXX. They were only supposed to remove my name from the loan. Instead of that, they created a new account in XX/XX/XXXX and then closed it in XX/XX/XXXX. Please remove this fraudulent account from my credit report.
Consumer complaint received 2023-06-28
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. (CA)

Date XX/XX/2023 Amount {$710.00} Collection Agency ( XXXX  ) for ( XXXX  XXXX ) I paid this debt in full. I never got a reciept from the company, stating I paid in full, I had to call and ask for paid in full document. I consistenly asked XXXX  XXXX and XXXX to remove it off my credit report and its a cat and mouse were collection agency is saying capital one has to do it and visversa. I'm getting nowhere please help.
Consumer complaint received 2022-02-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

In XXXX of 2021, I was reviewing my credit card statement when I noticed a charge made to my Bank of America ( BOA ) credit card. I was out of the country when the charge was made. While reviewing the charge, I noticed other charges that dated back months. I opened a Fraud case with BOA, they said they would investigate. The charges were made through XXXX, so I called XXXX and provided them with my account details, they confirmed that I had never used a BOA credit card on my account. 

XXXX also confirmed that an account was opened in my name in 2021 and that it used an address to a residence I sold in 2021. XXXX in the same conversation denied me access to the account stating that I had no information to confirm that I was the account owner and therefor could not provide any other information. They later determined that the account was a fraudulent account and deactivated. 
BOA was provided this information and continues to deny my claim that these were fraudulent charges even though XXXX felt the charges were made from an account that did not belong to me. BOA maintains that since it was my name and my address, it must have been me.. Also, BOA states that one of the charges had been swiped ; XXXX has never had the ability to swipe a credit card and they too confirmed that there is not a way to swipe a credit card.
Consumer complaint received 2022-08-28
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: CREDIT ACCEPTANCE CORPORATION (MD)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat payment on a credit card account ur open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-01-31
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. (NC)

I disputed several erroneous accounts, address and inquiries in late XX/XX/2018, with all three credit bureaus. I believe I am a victim of identity theft due to multiple security breaches on my personal accounts. I am requesting the incorrect information is removed and blocked immediately.
Consumer complaint received 2022-01-25
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: DISCOVER BANK (MI)

On XXXX XXXX, XXXX I went online with Discover Bank to open a Savings account. When I got to part to transfer my funds from my bank to Discover, there website did not take the transfer, for what ever reason I have no idea, and I followed there instructions as said online. So while it was still trying to transfer the money and saying it would only take 1 minute, I called Discover Bank. The gentleman told me wait till Thursday XX/XX/XXXX and if you haven't received a email call us back on Thursday ( XXXX ). On Thursday XXXX, XXXX I called Discover Bank and the guy told me to now wait for a letter to come in the mail. Why? I asked, they said they have to make a decision first,. So waited a week NO email or Letter in the mail... so called Discover Bank again on XXXX XXXX, XXXX and guy told me the same thing " wait for a letter to come in the mail for a decision '' I asked to talk to a supervisor and he said they would say the same as him and refused to push me up the ladder. I feel that they are trying to get out of doing this savings account opening because they don't want to pay the bonus that comes with it. As attached letter shows I have the proper papers to get it, including proper dating ( Offer ends XX/XX/XXXX ) ..and nothing should hold me back otherwise. I qualify. Going for the {$25000.00} for {$200.00} bonus. 

Thank you.
Consumer complaint received 2021-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC (NC)

On XX/XX/XXXX, a Utah collection agency, Mountain Run Solutions , LLC, reported a collection account they claim to have acquired from an original creditor XXXX XXXX We never received any written correspondence in the mail regarding this alleged debt and we were not given the opportunity to dispute the alleged debt. We discovered the reporting on XX/XX/XXXX when we received an alert from our credit monitoring app. On XX/XX/XXXX, I received a text message from Mountain Run Solutions , LLC stating they have purchased the account from XXXX XXXX and demanding that I sent them {$800.00} to settle the account by XX/XX/XXXX to have the reporting removed from our credit files. 

I wrote the credit bureaus to dispute the reporting and each credit bureau wrote back claiming to have verified the account. I knew it had to be impossible because there was no such account. 

I then wrote a letter to Mountain Run Solutions , LLC explaining that we had no knowledge of such an account and requesting for them to provide me with documents to verify the alleged debt. I received an email on XXXX XXXX from an XXXX XXXX at MRS with documents attached. One of the documents was a service agreement. A few things immediately stood out on this service agreement : 1. The signatures on the service agreement for my husband and I were forged. The handwriting is obviously not ours. My husbands name is misspelled, and I was given the middle initial XXXX which I never had. 

2. The company name on the agreement was XXXX XXXX XXXX XXXX not XXXX XXXX 

3. The contract was dated XX/XX/XXXX which puts this action outside of the three year statute of limitation for debt collection in North Carolina. 

After reviewing the F rating and several of the over 400 complaints received at the XXXX XXXX XXXX on Mountain Run Solutions , LLC regarding the same type of fraudulent collection activities, I am appalled that this agency is still allowed to operate in the state of Utah. This company is practicing deceptive and unfair trade practices, forgery, and wire fraud. 

Personally, because of this fraud our credit scores have decreased by 30 points, we have suffered character defamation and we have been turned down for financing due to having a recent collection account added it to our credit files. 

I have attached the following to this complaint : Exhibit A ( 1 ) & ( 2 ) - Text message I received from Mountain Run Solutions , LLC Exhibit B- Letter I wrote to MRS requesting documents to validate the alleged debt Exhibit C- Forged Service Contract dated XX/XX/XXXX Exhibit D- Letter supposedly from XXXX  Exhibit E- a Demand Letter for the alleged debt Exhibit F- Fake Account Statement
Consumer complaint received 2022-08-28
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: Resurgent Capital Services L.P. (GA)

In accordance with the Fair Credit act XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-10-02
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (NY)

I have reached out to several representatives at Walmart to try and report fraudulent activity on my account and to close my account, however everyone I spoke to said that they can not assist me because my telephone information does not match their records. My name address and social is able to be matched though. Walmart has to be able to assist it's customers that are trying to report fraud.
Consumer complaint received 2015-11-11
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

I started the weekend with my account at XXXX dollars. I had my rent come out on monday which was XXXX During the weekend I deposited money that I knew would not be available until tuesday. On tuesday the money was made available from my deposit. Also on tuesday my transactions from the weekend posted. According to my account history provided by the bank to me, Before any transactions posted I carried a balance of XXXX dollars. I had XXXX transactions post all of which were less than the amount of the deposit I made over the weekend. According to bank policy which was verified to me by the bank manager transactions post from large to small. therefore i had enough funds to cover all transactions, and my bank register confirmed so. However, I was charged with almost XXXX dollars in overdraft fees. Furthermore, I am having issues with getting more fees and dishonored payment fees because the banks original overdraft fees made me go into the negative almost XXXX dollars. The bank claims no refunds unless bank error. I argue that it is a bank error because i had the funds available to cover all transactions. I spoke with the teller and manager as well as customer service. I was hung up on by customer service when the issue was brought up.
Consumer complaint received 2022-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (MA)

Hello SOURCE RECEIVABLES ; XXXX ; This was removed before and re-inserted under different debt buyer without my knowledge. Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the XXXX major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2022-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I need you to investigate the following accounts you claim to be accurate on my credit file XXXX Banks and XXXX & XXXX XX/XX/21 TransUnion XXXX XXXX, personal XX/XX/21 TransUnion XXXX XXXX XXXX other than personal XX/XX/21 TransUnion XXXX BANK Banks and XXXX & XXXX XX/XX/21 TransUnion XXXX BANK Banks and XXXX & XXXX XX/XX/21. TransUnion XXXX Banks and XXXX & XXXX XX/XX/21 TransUnion Please show me detail documentation including an application signed by me otherwise delete this unverifiable inquiry from my credit file. 

After you finish my request, send me an updated report 15 U.S.C 1681G LAW VIOLATION
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Medical Data Systems, Inc. (GA)

Medical Data Systems is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt was reporting. I immediately called and settled this debt. I however, never received any calls, notices, or letters from Medical Data Systems about this debt. This violates my 30 day right to dispute under the FCRA. This must be removed immediately as you violated my rights as a consumer. I am also aware that while this account is under review you lawfully can not report this on my credit until your investigation is over. If your office continues to report invalidated information to any of the three credit bureaus this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on my credit report by your company I will not hesitate to bringing legal action against you and complain to the Attorney General for the following : Violation of the Fair Debt Collection Practices Act & Defamation of character. During this period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suite . All references to this account must be deleted and completely removed from my credit file and copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2024-04-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA ()

I previously filed a complaint against MOHELA for not informing me of a forbearance until it had ended. MOHELA responded to the complaint and stated I could request a refund. I called them on XX/XX/year> to request the refund and was that request had been made and it would take up to 30 days to receive the funds. On XX/XX/XXXX I contacted them again as the refund never arrived. During that call they stated an accounting investigation needed to be complete to find out why the funds did not arrive and this could take up to 17 business days. On XX/XX/XXXX the refund still hadnt arrived so I contacted them again and was told that there was no record on my account of a refund being requested. The agent stated that she would put in the request and that it could again take up to 30 days for this to arrive. At this point Ive been waiting 2 and half months for a refund to arrive and am being told I will have to wait another month. This of course assumes they actually action it this time.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Prosper Marketplace, Inc. (IL)

Contacted Prosper Credit customer service. I when from a by weekly pay date to monthly. I asked to change my due date. This the first time I made the request. They told me that their system needed updating and would not allow the change in due date. My credit card contract with them stipulates that I have the right to change the due date every 365 day period. I put a complaint in before and the never responded. I requested a complaint ticket number for the current complaint # XXXX.
Consumer complaint received 2022-01-25
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC. (NE)

Called multiple relatives and gave detailed loan information including amounts. 

Called my friend on XX/XX/2022 and gave her detailed loan information including amounts and settlement offers. Stated she was a co-signer on the loans when she was not and admitted that it was a mistake and she wasnt a co-signer. They had her social security number and information they shouldnt have. The person on the phone gave her her social security number without verifying who she was.
Consumer complaint received 2022-01-25
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (MO)

charging me a " modification fee '' of {$850.00} which was never included in any of the modification agreement paperwork that I have nor was it ever verbally explained to me. Now that they took my XXXX payment for this " fee '' they ( Mr. Copper XXXX said I never made a payment for XXXX. When I made my XXXX payment they said I owed XXXX and that I never made a XXXX payment. So I have attempted to resolve this matter with Mr. Cooper but have got 3 different answers and not resolved. I feel like that probably this so-called " fee '' should have been in my agreement paperwork or at least told verbally or even an email about this. If so I would have paid this " FEE '' in XXXX because I did not have a payment in XXXX. I made my 3 trial payments in XXXX ( XXXX ), XXXX ( XXXX ) and XXXX ( XXXX ) and then no payment due in XXXX Then my new payments of XXXX would begin in XXXX. I just want Mr. Cooper to acknowlege this error and please apply this XXXX to my XXXX payment and then my account will be up to date with the next payment due in XXXX like it should be. Thank you, XXXX XXXX ( XXXX )
Consumer complaint received 2022-08-28
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-28
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. (GA)

In accordance with the Fair Credit act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-01-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (FL)

Opened an account with Wellsfargo. They were offering a {$200.00} bonus for opening an every day checking account with {$1000.00} or more in qualifying direct deposits for the next 3 months. Its being 6 months of qualifying deposits for over the limit in a month and theyve never given me the bonus as promised. 

I recently made a similar claim but was mistaken on the amount of the bonus. The important thing is that it was a promotional bonus to open the account in the month that I did and they never gave me the bonus. I opened the account online and the promotional bonus was very clear stated on their webpage.