davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-09
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. (GA)

XXXX XXXX reporting XXXX open balance. This account was included in my bankruptcy and the information is not correct. I have contacted the credit bureau and it was removed but keeps coming back under a new collection agency. This is a breach and I can sue for reporting inaccurate information. 

XXXX XXXX XXXX- 3 accounts on credit that was open fraudulently. I have notified the company and credit bureau and they still placed it on my report. The account was opened not even with my social and the person changed my middle initial. One card the balance is XXXX, next XXXX, and 3rd XXXX. Please remove this accounts from my report or find out who opened them and put on their credit. REMOVE IMMEDIATELY AND DO NOT PLACE BACK ON MY REPORT. 

XXXX XXXX- XXXX This account I have no knowledge of- Called and company keeps telling me its my account and can not provide any proof that it belongs to me. Told me to dispute with credit agency and agency is doing nothing to help me in these fraudulent cases. 
XXXX XXXX XXXX- XXXX This account I have no knowledge of. I have attempted to contact company and they fail to give me any details because I cant confirm the details on the account- So they need to remove, XXXX- XXXX XXXX XXXX XXXX XXXX Never opened any account with this back. I dont know if this is a credit card or bank. This account just appeared out of nowhere so I havent contacted them as of yet. But I know it doesnt belong to me. So please remove. 

I havent had a job in over 2 years and no new accounts were opened by me.
Consumer complaint received 2018-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

Fraudulent charges were reported by me to my bank ; These were charges from XXXX XXXX and were made through my phone account. I was given a temporary credit. The bank, Bank of America later said that they investigated the charges and denied them. I appealed their decisions and gave them information from my phone company XXXX with the information that I had attempted to resolve the matter with my phone service provider. It took months and again the charges were denied.
Consumer complaint received 2018-01-25
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: Monterey Financial Services LLC (WA)

This company refuses to provide proof of credit validation. 

They harass me numerous times during the day. 

I have sent validation letters in : XX/XX/XXXX XX/XX/XXXX They still insist I pay for this account. 

This is fraud.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2017-07-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

In XXXX of 2013 my wife and I moved out of XXXX XXXX XXXX after successfully completing our 8 month lease. Recently while attempting to qualify to purchase a home, we were informed that there was a collection account on XXXX of our credits that was derived from our lease with XXXX XXXX XXXX. Somehow after we moved out there was either a miscommunication or a huge mistake on someones part because we left XXXX XXXX in good standing. We had no idea that we would have this account in collections because we were never informed that we owed anything to XXXX XXXX. The collection agency that owns this " debt '' is ProCollect out of XXXX TX. When we submitted a request for proof of debt from ProCollect, they mailed us paperwork that included entirely false information. They claim that we owe {$320.00} from an outstanding balance with XXXX XXXX, however, their paperwork does not match our original paperwork. Thankfully we have held on to our deposit receipt from our move-in to XXXX XXXX which shows that we paid a much larger deposit than what ProCollect is claiming we paid. ProCollect claims that we paid a {$500.00} deposit, however, our deposit receipt states that we paid a {$980.00} refundable deposit. The information that ProCollect sent us is absolutely false and manipulated. We have gone to XXXX XXXX in person and they validated that the deposit receipt we have is authentic. We have also attempted to contact XXXX XXXX numerous times which was who managed XXXX XXXX when we lived there. We have not been able to get in touch with XXXX XXXX but we are certain that they would also agree that ProCollect is being deceptive in their attempts to collect this " debt ''.
Consumer complaint received 2017-07-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (MO)

I am filing a complaint today against the above company because I have asked for debt validation and have yet to receive anything saying that I owe a debt to the actual company. Also I have never signed a contract nor had any services through Ability. Not to mention they appeared in my credit report before but was disputed due to not having validation of me owing their company any money. I recently checked my credit reports and saw they were back on there without giving me the proper notification of them putting the debt back onto my reports. I do not have any knowledge of me owing Abilitly for any services through them and when I requested validation of the alleged debt, they did n't respond.
Consumer complaint received 2022-09-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (MA)

XX/XX/2022 a collection notice appeared on both my husband and my credit report. I immediately checked the notice for each and, there was a collection notice from Sunrise Credit Services on each account. Both collections were for XXXX XXXX but for different amounts. On XXXX 's account, it was {$1600.00}. and on My account ( XXXX ), it was for {$1400.00}. I immediately contacted Sunrise Credit Services, XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX on XXXX. I explained that these outstanding debts did not belong to either of us. They offered to accept lower money reimbursement in lieu of the full amount. I again explained that we did not owe either of these debts. We have NEVER had an XXXX XXXX account. We are both over XXXX XXXX XXXX, my husband has XXXX and we have always had very good credit. These bills do not belong to us and we have NEVER received a statement prior to this appearing on our credit reports at XXXX, XXXX, XXXX XXXX. They will not remove it and, after I disputed these via dispute method with the credit reporting agencies, was told the debt stands and the company has said it is our debt. It is definitely not. It just is not ours. Someone either has done this as identity theft or fraud. Please help.
Consumer complaint received 2021-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (AZ)

I opened a personal checking account ending in XXXX on XX/XX/XXXX online through BM0 Harris Bank with the promotional code for a {$200.00} bonus if {$4000.00} was DD within 90 days.

The following DD were made : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX, XXXX. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX I deposited a total of {$4000.00} within the 90 days. 

On XX/XX/XXXX through BMO online message, XXXX stated that I would receive the bonus within two weeks. I have not received the bonus yet. Today is XX/XX/XXXX.
Consumer complaint received 2018-01-25
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. (NY)

I purchased a XXXX XXXX XX/XX/XXXX and due to mechanical issues that car had to be turned back to the dealer to give me a new vehicle. It took 30 days for this to happen. Without my knowledge and being present the dealership ran my credit a second time onXX/XX/XXXX. I brought this to the dealership 's attention and they have removed their double inquiry from my credit report from XX/XX/XXXX but XXXX XXXX has not. I did obtain a letter from the dealership regarding this issue but nothing has been done to remove this hard inquiry.
Consumer complaint received 2021-09-09
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. (TX)

I have disputed inaccurate information on my credit report with XXXX, XXXX, and Equifax and they have NOT complied with any of my requests! They are just sending me computer generated responses and have NOT investigated this information with each furnisher as per FCRA guidelines!
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX is a predatory lender. I have a payment arrangement in place in XX/XX/XXXX for my vehicle financed with their bank. I submitted the payment and it had yet to be processed due to the federal bank holiday. XXXX still had the vehicle repossessed but then refunded all the repossession charges as it was a mistake. But they refuse to remove the reporting from my credit report. I have submitted documentation, disputed with the credit bureaus, made several calls, reported them to the district attorney in California and was told by the office of the president they would not further assist with my account. I finally sold this vehicle for negative equity in XX/XX/XXXX to be rid of XXXX. Shortly after XXXX was sued in a Class Action lawsuit for predatory lending. I received notice from the state informing me there would be documentation coming from XXXX with resolutions to serve closed accounts. I still haven't heard from XXXX.
Consumer complaint received 2017-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Debt Recovery Solutions, LLC (NY)

I sent a debt validation letter to debt recovery solutions llc in regards to a debt that appears on my credit report. i have no knowledge of this debt and i do not owe, In return I received a letter from ( drs ) with the alleged amount owned and the original creditor name. Which is not validation i owe this debt. Fdcpa requires verification of an alleged debt. proper validation should be in the form of documentation from the original creditor, not the debt collector. Documentation can be account statements from the original creditor, payment history from the original creditor etc..
Consumer complaint received 2021-06-30
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (NJ)

A loan modification was done on my Santander USA account to close out the account, maturity. I did not realize that the late fees that were added on the account from prior years were not included in the modification. When I thought I was making my last payment, there was approx. {$800.00} left on the loan from fees. By the time I realized this, my account was now 30 days late. I paid the {$800.00} in full within that month to close the account, and then it showed the next month I was 60 days late. We are closing on a home and I have worked hard for 2 years to get all of my accounts in good standing. This was one of the accounts, I have made a year and a half on time payments. I would not have let this account be late because this would be very detrimental to my situation. I have contacted them and filed dispute after dispute with credit bureaus, but there is still the 2 late payments on my credit report for XXXX, XXXX and possibly XXXX of 2021. They need to be removed.. We are closing on a home in XXXX.
Consumer complaint received 2021-08-06
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. (IN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-01-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Hi, I have filled a dispute on X/XX/2014 at Bank of America credit card for {$850.00} for XXXX XXXX which is not taken care of yet please help me out. 

Thank you.
Consumer complaint received 2021-09-09
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. (TX)

I have disputed inaccurate information on my credit report with XXXX, TransUnion, and XXXX and they have NOT complied with any of my requests! They are just sending me computer generated responses and have NOT investigated this information with each furnisher as per FCRA guidelines!
Consumer complaint received 2019-10-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ACS Education Services (UT)

I don't have dollar amounts as that is what I am trying to obgain. I am unable to get information from ACS/Conduent about my loan. It is now with a new servicer and I have no historical data. Conduent will not let me log into my account to try and find this information.
Consumer complaint received 2018-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

XXXX XXXX and Experian has not corrected my Credit File to reflex what is actually been paid in full. 

XXXX XXXX and XXXX XXXX XXXX should show a XXXX Balanced Owed. My Credit Score has dropped from XXXX to XXXX due to this Misinformation from these three Credit Reporting Agencies. I want them to correct my Credit File so I can get Credit again. As of this date I have been Rejected for Credit Cards and.. 

Car Loans because of this Misinformation showing I owe on these two accounts that are Closed with a XXXX Balance Owed. 

Waiting for a Reply, XXXX XXXX XXXX
Consumer complaint received 2017-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Equifax has fraudulent accounts posting to my credit file I have sent them police reports a identity theft affidavit and a ftc report so that the fraudulent items can be removed the fraudulent items are XXXX XXXX XXXX XXXX and XXXX. The other two bureaus have removed these fraudulent accounts, by law equifax has to remove fraudulent accounts and block them from reporting
Consumer complaint received 2019-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (MN)

We were issued new cards on an account we don't use or want. I tried to close the account a few weeks ago ( one of the cards is in my name ) and the customer service agent would not allow me to close the account because the account was in my husband 's name. Today my husband called to close the account. My husband is extremely hard of hearing and had trouble understanding the credit card rep. The rep did not want to close the account and kept arguing with my husband. My husband was getting frustrated because he could not hear or understand the rep. He then informed the rep that he was going to hand the phone to me and the rep didn't want to talk to me. I finally asked for his supervisor and when she came on the line we went through the same ordeal. After telling this rep several more times that we didn't want to account, we think she may have closed it, but because she, too, insisted on talking to my husband, we are not sure if the issue is actually taken care of or not. This was a totally frustrating experience and we are extremely upset that we had to be subjected to this kind of " customer service ''. The card in question is a Shop Your Way Mastercard issued by CitiBank.
Consumer complaint received 2018-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (IL)

There was offer from XXXX XXXX XXXX XXXX XXXX ( XXXX ) card last year that adding each additional authorized user with the spending requirement I met would give main card holder XXXX XXXX per person. I added 3 users for total of XXXX XXXX, but so far I got only XXXX XXXX on XX/XX/2017. 
I 've waited 4 months so far and they are not giving me another XXXX + XXXX = XXXX XXXX.
Consumer complaint received 2018-01-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

I have been consistently making payments to Navient on my student loans. Navient doesnt allow flexible payment options. Theyre either ~ {$200.00} or $ 700+. I can not afford the higher tier option. As Ive been paying on the lower tier option less than 5 % of my payments have been allocated to principle. 95 % of payments have been going towards interest. For context, I took out a student loan in 2013 for {$20000.00}. Although I have been making consistent payments on the loan my balance is currently {$23000.00}.
Consumer complaint received 2018-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (IL)

I got XXXX true XXXX and they offer 0 % rate for 6 months Card vas open on XX/XX/XXXX and  transaction vas posted on XX/XX/XXXX XXXX start to charge interest right away, talk to customer service few times and they sims don't care
Consumer complaint received 2022-11-17
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. (GA)

Trans union XXXX LCI Consumer center Refuse to send in documentation that shows they validated a XXXX  XXXX that is showing on my Transunion and XXXX credit court from the XXXX XXXX courts instead they are using a non validated third party for incorrect information
Consumer complaint received 2021-03-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Norwich Commercial Group, Inc. (RI)

We closed on our refinance in XX/XX/XXXX with a first payment date of XX/XX/XXXX. I paid the mortgage per the first payment letter received during the closing. Shortly afterward I received a notice that I owed additional funds. After multiple calls to Norcom I discovered they were escrowing for my homeowner 's insurance. My closing paperwork clearly states homeowners insurance was not to be escrowed as I pay this separately. I submitted proof of insurance, but never received feedback, as promised. I continued to receive notices of non-payment and now I have been referred to their debt recovery unit. I spoke to someone on XX/XX/XXXX and they indicated my request to not collect escrow for homeowners was denied for another year. I was never officially notified of this. Their practice is in violation of a legal contract I entered with this mortgage servicer. They have not adequately and fairly responded to the clear legal evidence.
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX I sent an affidavit to federal student aid via fax successfully sent. I also contact XXXX XXXX XXXX to cease and desist all communication but received a text message stating that my payments restart after XX/XX/2022. According to congressional terms promissory note is defined as an instrument that evidence a promise to pay a monetary obligation does not evidence an order to pay and does not contain an acknowledgment by a bank that the bank has received for deposit a sum of money or funds. This is clearly stating that no money is owed under an consumer credit transaction.
Consumer complaint received 2018-01-25
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. (NY)

XX/XX/XXXX - sent letter to all 3 credit bureaus and XXXX XXXX ( creditor ) disputing loan balance and payment history XX/XX/XXXX - send 2nd letter to all 3 credit bureaus and XXXX XXXX ( creditor ) disputing loan balance and payment history Both instances where letter was sent, the only response I received was " verified ''. 

Currently that is the only response i received from anyone regarding my issue since XX/XX/XXXX.