davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-04
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. (OH)

I have tried getting this issue with TransUnion resolved since XX/XX/18. As a result of TransUnion completely ignoring my dispute I have gone to the FTC regarding the fraudulent collection account reporting on my credit file belonging to XXXX XXXX XXXX XXXX partial account number XXXX, TransUnion blocked the last four numbers of this account. This is my official Identity Theft Report for TransUnion. I have attached all required documents to this complaint that the FTC states. The included documents are as follows. Identity Theft Report, Drivers License, Social Security Card, Proof of Residency, FCRA 605B and, TransUnion Credit Report.
Consumer complaint received 2018-08-18
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ATG Credit, LLC (MN)

I was attending XXXX XXXX university online. I was offered a grant of up to {$1800.00} if I wrote a 500 word essay stating why I needed it. 6 months later I received a bill in the mail for XXXX dollars. I was never told I would have to repay the grant at the time I wrote my essay or on the application itself. They are withholding my transcripts from me and have documented this false debt amount on my credit report for {$2000.00}.

*I have the actual application I used when I applied and I also have a picture of the 500 word essay for the grant application I wrote documented in my student online account under my documents showing I did indeed write the essay. *
Consumer complaint received 2023-03-23
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: Experian Information Solutions Inc. (OH)

I checked my credit today and saw someone tried to use my personal information to obtain fraudulent credit. There are 4 fraudulent inquires with XXXX ON XX/XX/XXXX, XXXX XXXX XXXX ON XX/XX/XXXX, XXXX XXXX ON XX/XX/XXXX, XXXX ON XX/XX/XXXX.
Consumer complaint received 2022-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP (PA)

On XX/XX/XXXX I requested closure of my prior Key Bank checking account originally opened in XX/XX/XXXX. I was told it would be closed in 1 -2 business days. 

On XX/XX/XXXX, more than 1 year later, I opened a new Key Bank checking account and met all requirements to receive a {$200.00} bonus for making a {$500.00} paycheck direct deposit into the new account. 

Key Bank has failed to issue me the {$200.00} bonus. When I asked why, I was told that my prior Key bank account had not been closed until XX/XX/XXXX in their system and that since it had been one year since I had last had a Key Bank account, I was ineligible for the bonus. 

This is utter nonsense because I requested closure of my prior account on XX/XX/XXXX so it should certainly have been closed more than 1 year prior to opening the new account. If my account was in fact not closed by the bank in their system until XX/XX/XXXX as they claim, that is entirely their fault for taking excessively long ( 16 days ) to close the old account ( I had been told it would be closed in a few business days ). There was no activity on my end that kept it open after I requested closure on XX/XX/XXXX. 

They obviously just want to cheat me out of the bonus. But I should not be penalized for their slowness in closing the former account. Further, I note it is literally exactly 1 year since they say they closed the old account vs. when I opened the new one, so they are being absurdly unfair and splitting hairs by one day - WHICH AGAIN SHOULD NOT BE THE CASE BUT FOR THEIR INCOMPETENCE. I'm sure if I owed them money, and was 15 days slow in paying, they would me accountable. 

Based on the facts, I clearly closed my former account MORE than 1 year before opening the new account, and therefore have met all their requirements and should be issued the {$200.00} bonus.
Consumer complaint received 2018-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX I paid my total balance of approximately {$5300.00} from my statement due date of XX/XX/XXXX leaving a XXXX balance. On XX/XX/XXXX a recurring monthly charge of {$9.00} was charged. For my XX/XX/XXXX statement I was charged {$54.00} in interest. I called customer service to find out why I am paying that amount for only {$9.00} charge. I was told that thats the daily interest charge for the {$9.00}. CitiCard need to stop overcharging customers. I have read reviews from other consumers how this company will just cancel your card without an explanation. Thats fine with me because I will just bring this account to a XXXX balance and never use it again. If I cancel it will bring my credit score down is the only reason I am not cancelling.
Consumer complaint received 2018-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (PA)

I was written by mail claiming I owed a debt of {$23.00} for service in XX/XX/XXXX. I have not lived there since XX/XX/XXXX.. I called and they said they would look into the matter then on XX/XX/XXXX they reported I owed {$130.00} to the transition which showed up on my credit report.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I am writing in response to a credit report that I recently received, which suggests that I owe you some amount. However, I have not received any documentation or proof substantiating your claims, and I demand that you dismiss all such claims and remove any injurious reporting ( s ) against me. If the reported item ( s ) are potentially deficient in the mandatory document evidence of physically verified factual proof of the truth of claim, truth of reporting, accuracy of claim, correctness of reporting, completeness of claim, fullness of reporting, timeliness of claim, timeliness of reporting, ownership or responsibility elsewise of claim, ownership or responsibility elsewise of the reporting, and/or the complete and perfect certified Metro 2 format reporting standards, I demand that you display to me your lawful authority to forcibly conduct business with any contesting consumer.

I want to make it clear that you have no right to act in dereliction, as you hold me under threat of financial and/or creditworthiness injury ( ies ). I demand that if you are unwilling or unable to comply with my request, as demanded, and as otherwise mandatory to retain or regain compliance of reporting no later than 20 days from your receipt of this lawful notice of consumer complaint, you immediately and forevermore thereafter cease any and all derogatory and/or injurious actions against me, including but not limited to the foul actions to report and/or collect unverified, untrue, invalid, or elsewise not certifiably compliant claim ( s ) and/or debt ( s ).

I want to remind you that absent legal authority or a written agreement between us, you can not force me to conduct any business interaction ( s ) with you, and I will not do so. If you elect still to injure me, even to the slightest, it would undoubtedly be a show of merciless harassment or even willful extortion, which is a criminal offense in my state of residence. Any such behavior will directly or indirectly lead me to act accordingly, so please rectify your chicanery-laden subterfuge as alleged on my current consumer credit profile history by eradication and/or removal from reporting the delinquently reported item ( s ) of : Please acknowledge receipt of this letter and inform me of your actions regarding the removal of the delinquently reported item ( s ) within 20 days of your receipt of this notice. 

Listed below are the Collections that are being challenged XXXX - XXXX
Consumer complaint received 2021-12-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GULF COAST COLLECTION BUREAU, INC. (FL)

I was seen at the hospital XXXX I have the billing clerk my insurance information she used the old one in the system and never update the correct information I gave I have disputed this and called the hospital to dispute thus and have not received the resolution. I shouldnt have to pay for a bill that I had insurance
Consumer complaint received 2019-01-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (IL)

I have sent several letters to Security Credit Services in regards to an account that they are claiming to be mine. I have asked 3 times to validate the debt and all I keep receiving back from them is an electronic application and bill. My last communication from them was asking for a copy of my id and signature which they were not able to furnish. Everytime I send them a letter asking for validation they just keep saying validated and demanding that I pay.
Consumer complaint received 2018-09-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (NJ)

This is a follow up of my CFPB complaint XXXX because it was closed after the company responded but the company only addressed partial issues and lied again in the response. 

1. Though Statebridge Company did corrected my mortgage rate and cancelled my escrow account, they did not provide a legitimate explanation why they secretly increased my mortgage rate and lied about it again and again ( in other words, they were stealing money from the customer intentionally ) and why they changed the escrow term when the service was transferred to them. Instead, they simply lied in the response stating that the rate increase did not happen. Federal regulations require them to provide explanations AND solve issues in 30 days. This was yet another violation of the Federal regulation. The next step may have to be taking legal actions against them.

2. They did not respond to my request to recalculate my account balance history by applying the extra escrow charge each month to the principle, and did not provide the compensation I requested due to their criminal and fraud action to my account.
Consumer complaint received 2022-03-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PRESTIGE FINANCIAL SERVICES INC (MD)

I financed a vehicle with them in 2018 never had a later payment. I basically went to the dealer and traded my car in, and bought another vehicle. Then all of a sudden they started saying i owe them {$11000.00} the car was paid off as a trade in. So this information is inaccurate, and needs to be removed from my credit report.
Consumer complaint received 2018-09-04
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: EQUIFAX, INC. (NY)

Equifax has repeatedly verified the accuracy of Bankruptcy Case XXXX which is appearing on my consumer credit reports. Equifaxs claims that their subscription to XXXX is an acceptable form of verification. I have sent certified/return receipt dispute letters to Equifax requesting verification of the reported bankruptcy. These dispute letters were received by them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Upon receiving their last response that they once again claimed the bankruptcy was verified I requested, per FCRA 611 ( 15 U.S.C. 1681I ) that they provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. I informed them that FCRA Section 611 ( a ) ( 2 ) requires them to contact the furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy ; who they referred this dispute to ; and who responded back with the required verification. In the meantime, I also obtained a letter from the US Bankruptcy Court in XXXX, NY, which clearly stated that they do not provide any information to the credit bureaus. Equifax 's claim that they verified the Bankruptcy through the US Bankruptcy Court is false as I spoke with a clerk through the phone number they provided on my credit report and she provided me with a letter confirming that is false. Furthermore : PLEASE NOTE : Bankruptcy Rule 9037 which states that " personal identification information defined as individuals ' Social Security and taxpayer identification numbers, names of minor children, last four digits of financial account numbers, and dates of birth, be redacted from documents filed with the court. '' Therefore, Equifaxs claim that their subscription to XXXX was used to obtain verification is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information, Equifax is also in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices '' by purposely reporting information that they have assumed is verifiable based off circumstance. I implore your agency to please assist me in having this unverifiable information from a database ( XXXX ) that does not allow access to any personal identification information, removed from reporting on my credit files. Equifaxs practice is highly damaging to my credit and I would be remiss not to request your assistance with this issue. Thank you for your time and assistance in this extremely important issue.
Consumer complaint received 2018-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (VA)

Specialized Loan Servicing ( SLS ) incorrectly reported an account as delinquent for the XX/XX/XXXX payment. I contacted SLS and asked for the credit reporting error to be fixed. Twice it has been fixed only to reappear as a delinquent payment. I have a letter from SLS acknowledging the error and promising to correct the reporting. The XX/XX/XXXX payment once again appears as an error. Is there recourse against SLS for repeated credit reporting errors? Please help me to get this fixed once and for all.
Consumer complaint received 2023-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (FL)

This debt does not belong to me. I have never done business with southwest credit systems. i have never done a credit application nor have i gave then consent to report anything. they have do not have any permissible purpose to be reporting anying on my report. for this is a violation of my consumer right according to the fair credit act. I have never done business with their original creditor XXXX i have had XXXX for years.
Consumer complaint received 2018-09-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (TX)

So I have tried and tried and done so year after year. I did not sign or even apply for a Federal Student Loan. I still think the School that I so called attended had something to do with this by taking advantage of me I feel the school Falsely certified my eligibility to receive the loan based on my ability to benefit from its training, I also feel the school signed my name on the application or promissory note without my authorization, or the school endorsed my loan check or signed your authorization for electronic funds transfer without your knowledge. 

After finding out I was an apparent student I withdraw from school after learning a so called loan had been opened in my name, I also think the school should be required to return part or all of this loan money.
Consumer complaint received 2018-09-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (MA)

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.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

Despite my persistent efforts to contest the inaccuracies in the information provided to Equifax, XXXX, and XXXX, unfortunately, the issue remains unresolved up to this point. 

Equifax : 1. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX XXXX  Account Number XXXX XXXX Please remove this inaccurate information from my credit report. 


XXXX : XXXX. The following personal information is incorrect XXXX : XXXX XXXX XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX OH XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX 12.  The following personal information is incorrect Employers : XXXXXXXX XXXX XXXX XXXX XXXX 13. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX XXXX Account Number : XXXXXXXX  Please remove this inaccurate information from my credit report. 
14. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX  XXXX Account Number : XXXX Please ensure that all information is accurate 15. Under 15 US Code 1692f ( 1 ). Unfair Practices JXXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
16. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
17. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX  XXXX. The following personal information is incorrect Employers : XXXX XXXX 3. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX XXXX Account Number XXXX XXXX Please remove this inaccurate information from my credit report.
Consumer complaint received 2023-03-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MN)

I was in a covid forbearance in XXXX. I have a primary mortgage and a second. After speaking with US Bank we agreed to roll the amount into the back of the mortgage. Paperwork was notarized and sent back. The main mortgage was processed properly. The second mortgage they never handled. I just found out today when trying to make a payment that it's 13 months past due. I've received no call, no notifications nothing from US Bank. The account has disappeared from my login. When calling I've been hung up on. This is so concerning. Please help.
Consumer complaint received 2019-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NY)

I tried to transfer some AMEX points to my airline. And getting " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. ". Called AMEX customer, and got nothing useful.
Consumer complaint received 2018-09-04
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: EQUIFAX, INC. (SC)

XX/XX/2018 I sent certified letters to XXXX XXXX for two accounts that appeared on my credit file stating charge off. I have a son that bears the same name as I. I requested XXXX XXXX to send me proof of my ownership of the account bearing my signature. Up to this date XX/XX/2018 XXXX XXXX has not sent anything. I then disputed the accounts with XXXX and Equifax and they continue to verify the accounts on my credit file. The bureaus stated their Method of verification was automated and not directly through the agency. How can this be? XXXX XXXX cant verify.
Consumer complaint received 2018-09-04
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. (MN)

I sent a dispute regarding child support that is showing on my credit report that I do not know and they replied back saying that the account has been verified and has not provided any proof. I would like the full forensic audit you did to verify that this is my account.