davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-08
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. (TN)

I have filed XXXX disputes each for XXXX different XXXX XXXX accounts. The first account ends in XXXX and the second account number ends in XXXX. Attached you will find the results of those disputes from XXXX. XXXX XXXX states on ( IMPORTANT INFORMATION ) on XX/XX/XXXX that the last payment they received from me was XX/XX/XXXX. This was not the original date showing up on the first dispute but was changed by the company on subsequent disputes. On the first account ending in XXXX, I did not make any payments on XX/XX/XXXX whatsoever. I did however make the following payments amounts and on the following dates. Payment XXXX  after their XX/XX/XXXX date was on XX/XX/XXXX in the amount of {$150.00}. Payment XXXX  was made on XX/XX/XXXX in the amount of {$130.00}. Payment XXXX  was made on XX/XX/XXXX in the amount of {$1200.00}. Payment XXXX was made on XX/XX/XXXX in the amount of {$9.00}. And lastly, for this account payment, XXXX was made on XX/XX/XXXX in the amount of {$11.00} resulting in a zero balance ( please see attached payment history from XXXX XXXX 's website ). Now, if they reported on XX/XX/XXXX that my last payment was on XX/XX/XXXX, where did they get this information since it is completely inaccurate? If the balance was updated on XX/XX/XXXX it would show a zero balance instead of owing 98 % of my available credit. This misuse of information is damaging to my credit report and I have tried XXXX times to no avail to get the issue rectified. On the second account ending in XXXX, the following payments were made on the following dates. Payment XXXX was made on XX/XX/XXXX in the amount of {$250.00}. The second payment was made on XX/XX/XXXX in the amount of {$98.00}. The third payment was made on XX/XX/XXXX in the amount of {$410.00}. And lastly, the XXXX payment made on this account was made on XX/XX/XXXX in the amount of {$50.00}. No payments were made on either account on XX/XX/XXXX as stated by XXXX  XXXX. The correct balance for this account is {$490.00}, not {$940.00}. For reasons I will not speculate, XXXX XXXX and XXXX have failed to fix the reporting of this false information despite me sending them proof and being persistent in my findings. In lieu of the information being corrected, account remarks have been changed and the date from the first dispute versus the next, and so on. I am trying to get this issue resolved as quickly as possible. This information is being reported to you because my formal disputes are going uncorrected and my phone calls are being abruptly ended despite no vulgar language or yelling on my part. I have been nothing but professional in this matter but ; I have been persistent. Please see the XXXX attachments below. Thank you for your time in this matter.
Consumer complaint received 2017-02-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

To whom it may Concern I having Issues with the Credit Reporting Agency Not Respecting My Rights. I Pulled my Credit Report saw things that were n't Correct. So i Disputed all items in a dispute letter along with Laws, Rights, and Request and they have completed the dispute without giving me the items i requested which are the method they use to verify this claims along with names and numbers of the people they have spoke to verify these claims, and also to mail me the Original Accounts with the wet ink signature. I dont understand why we are going back and forward me disputing old zombie accounts that they keep updated to make money off it XXXX XXXX Department of Eduacation XXXX XXXX XXXX accounts thats paid in full, I have attachments
Consumer complaint received 2016-06-25
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SCA Collections, Inc. (NC)

In examining my credit report I see an open account for {$26.00} that I was not made aware of. The account is only active on XXXX reports, but shows no balance on XXXX of them. The company continues to report this balance even after attempts to remove and pay the {$26.00} supposedly on file for XXXX reporting agency. I have made multiple attempts to contact and have left a message to resolve, but have not received any reply to remove this from my credit report.
Consumer complaint received 2015-09-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (FL)

ENHANCED RECOVERY CORPACCOUNT NUMBER : XXXX XXXX XXXX, XXXX, FL XXXX : XXXX. Fax : XXXX Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify credit collection services or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : ENHANCED RECOVERY CORP INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX, XXXX SEC # XXXX DOB XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2016-11-30
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC. (NC)

I have a auto loan through Citizens One FDIC. Another car hit my car and insurance deemed it a total loss. I requested account history of loan for the XXXX and Insurance companies. Citizens One FDIC will not email the docks or regular mail. The accident happened on the XXXX XXXX 2016 I requested info around XXXX - XXXX of XXXX 2016 and continue requesting the documents. I have made about XXXX - 12 phone calls and faxes starting from around the XXXX of XXXX till now. Each time I call Citizens One they tell me that the documents are being processed. The documents that the insurance company requested for the check that I had already signed, to pay off the loan are still being processed by Citizens One Bank. I signed the check around the XXXX - XXXX of XXXX 2016. I called Citizens One Bank yesterday ( XXXX XXXX 2016 ) and asked them if the documents had been sent off and they said " No they are in processing ''! I asked them what do you mean processing and the support person told me that, that was not his department, but he was going to put a rush on the documents. I said " rush, its already been 11 days since the insurance company had contacted you for the Letter Promise Account Loan Payoff Letter or whatever it is that they need it is still not sent ''. Then I told him that the last time I called I asked about the monthly payments and I was told that I would still have to make them. I then told him I under stood why they would n't process the requested documents. They are waiting for the next monthly payment to send them off. They collect another {$150.00} in interest from me and then collect the checks from the insurance companies. These banks have their own fake accounts open and anytime they can skim or steal a little from the working class man by delaying a process or adding a {$1.00} service charge or adding in an extra .01 % interest on one months payment it will get funneled into these accounts and then they will shove that money into a stock or bond and double or triple it. I also said to him that I am not going to pay this coming payment because if they would have sent the documents already, like they were supposed to the account would have been close to or already payed off and I had better not get any service charges for not paying either. 
He agreed but I do n't know if the bank management will.
Consumer complaint received 2023-03-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (MI)

This debt from Southwest Credit Systems on behalf of XXXX is past the statute of limitations for Michigan as it is over 6 years old. This is the third debt collector to have held this debt, and now it's stated that the account was started this past XXXX, dropping my score XXXX points. Please note that this occurred at a time when I had achieved a 600 or above credit score for the first time in my XXXX XXXX XXXX life. I have a {$6000.00} land contract to pay off, and I make $ XXXX. I can't even get a personal loan for that because of these companies practicing deceitful tactics like this, and my house is worth almost XXXX.
Consumer complaint received 2021-04-29
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: V and H Portfolio (CA)

I was sent an alert from vance & Huffman flagged my account due to XXXX XXXX XXXX cashing a check in 2017 that bounced. The check was a settlement check and I dont deem I am responsible. I have been at the same address since cashing the check but was nevertheless notified of this issue. The amount is {$84.00}. I think this should be a issue with the company or I shouldve been notified in writing before this being flagged on my report
Consumer complaint received 2016-09-20
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CO)

They continue to double charge me, and every month I have to go in and get it fixed. The manager is completely rude and unprofessional. It feels like they are trying to cheat me by sneaking in extra payments that I do n't owe.
Consumer complaint received 2015-10-28
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: CURO Intermediate Holdings (ID)

See previous complaint for initial details. 

My account was attempted to be debited twice. Speedy Cash stated in was " impossible '' for them to have attempted a second deduction. I sent bank information proving my account was attempted a second time, regardless of what they claimed in their answer. I received an email back from them stating they would refund " ANY '' fees associated with their error after 3 days. This was a contradiction to what they were stating before when they were refusing to issue a credit even though it was verified as an error on their side. 

Speedy Cash finally issued ONE {$29.00} credit, however, they failed to issue a second credit for {$29.00} and I have now incurred a {$10.00} Negative Balance Fee from my bank.
Consumer complaint received 2016-06-03
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Pacific Union Financial, LLC (WI)

We worked with a GREAT mortgage person to secure a mortgage loan in XXXX with PUF. We have been ON XXXX & XXXX & on our monthly payment for 11 months and are still current as I write this complaint/statement. For some reason since about XXXX of XXXX, we have been getting " collection calls '' EVERY month. XXXX is going in with this company? Did they get a new head of the AR department, that sees it fit to " harass '' their customers? They answer the phone with the standard statement " this is an attempt to collect a debt, any info will be used for that purpose ''. What a GREAT customer service approach!!! Again I have had a half dozen mortgage loans & NEVER have been late & NEVER had this kind of service or better description, HARASSMENT! I have to go to my account EVERY month & make sure that all my deposits were made, as ell as my online bills posted. I have had my account compromised more than one time by the online thieves. So needless to say this cause unnecessary STRESS, when I get a " collection '' call, for a mortgage that is & always has been CURRENT! I asked the CS gal if they would call me for the next 30 years, EVERY month, if not paid on the XXXX, ( which they give you until the XXXX each month to pay ) she said yes probably, but I could set up auto-pay to avoid their calls. I had to remove my husbands phone number from the database as they were calling him at WORK! Talk about unneeded added STRESS! I have had been hung up on in previous months, because the rep who answered the phone when I returned the call did not have XXXX as his first language & he could not understand me. On another occasion, the " collection person '' who left me a message did not hang up her phone after leaving the message, so I got a 45 minute voice mail. This is the worst CS I have ever received, only second to XXXX XXXX XXXX who is rumored to be going out of business here. What upsets me even MORE is the fact these companies who loan us money or offer services OWN us through the credit bureaus. They can report anything they want ( as they PAY, and are the credit bureaus CUSTOMER ) and there is NO real verification process. Then our credit worthiness is determined by a FLAWED system/number AND the XXXX NEVER match. Because the harassment policy of XXXX, I will NOT be recommending them to anyone! If they do NOT CHANGE this harassment " collections '' policy to STOP stressing good customers, I will be reporting them further & I WILL change my phone number with them.
Consumer complaint received 2022-02-09
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. (NJ)

XX/XX/XXXX filed an identity theft report on with the Federal Trade Commission. My cell phone, bank accounts, credit card accounts, transunion account, email accounts were all compromised. You can ask my credit card lender XXXX bank. Ask XXXX for charges on my account from California. All 3 Credit Agencys had my name wrong. I have sent birth certificate, marriage license, pass port. Yet till this day transunion will not correct my name. a collection for a XXXX on my account from XXXX on my account saying I owe them {$23000.00} A XXXX XXXX XXXX bill for a doctor from the emergency room. XX/XX/XXXX. The patient admitted to the hospital that day under my social security number was born XX/XX/XXXX All 3 credit Agencys would deny me access to my file. 
XXXX was denied information from TransUnion on a email address they had on file that was not mine. I never had another email with transunion other then my current one. 
I have credit applications for the same company days, weeks apart. Really losing hope
Consumer complaint received 2015-06-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (WA)

In XX/XX/XXXX Caliber Home Loans sent a loan modification offer to an unknown address in a different state than I live. Please provide documentation showing who requested the documents to be sent to a different address? The offer was not sent to my address, my representing attorney or to the mediator named in Foreclosure Mediation Notice sent to XXXX / Caliber on XX/XX/XXXX by the State of Washington XXXX. I was n't made aware of the offer until mediation on XX/XX/XXXX after the offer was expired. At mediation Caliber stated they would re-instate the offer once they received a Quit Claim Deed and another completed loss mitigation application. I complied with their requests on XX/XX/XXXX, they were sent several completed applications and the counties recorded Quit Claim Deed on XX/XX/XXXX and multiple times since then per their request. 
They sent me XXXX denials for modification. Why was I eligible for a loan modification in XX/XX/XXXX but am not now? What criteria was used in the determination in XX/XX/XXXX that is different from the criteria used in XXXX & XXXX? Please provide written documentation of the criteria used in the determination in XX/XX/XXXX and again on XX/XX/XXXX. 
At the XXXX mediation XX/XX/XXXX I was told the investor guidelines wo n't allow Caliber to offer a loan modification because I have too much equity in my home and I can afford the payment. Which is true now that my lengthy ( 1 1/2 years ) divorce is over and I have been awarded my home, I can make the payment given the opportunity to do so, but Caliber & their Investor wo n't allow it. 
Why ca n't they put the delinquent amounts on the end of the loan and allow me to pay an additional $ XXXX {$300.00} a month on top of my regular payment to help pay the past due amounts? 
Any question I ask Caliber regarding the modification or denial is always " the investor guidelines do n't allow it ''. What does the investor guidelines allow? It is apparent the investor and/or Caliber has no interest in working with clients, they are not acting in good faith and they do not offer a fair review process as required by law.
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

After numerous attempts to obtain my credit file failed, I downloaded the XXXX request form and mailed it certified mail. I received only my XXXX  file and a post card addressed to me requesting a copy of my drivers license, utility bill, insurance documents, and/or bank statements. I am XXXX years old, and maintained residency at the same location more than 30 years. No company name appears on the post card only address XXXXXXXX XXXX XXXX XXXXXXXX Tx XXXX. The information I provided on the form was sufficient for XXXX  and I find this request abusive and harassing.
Consumer complaint received 2016-07-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

I have sold my house that is in foreclosure with Bank of America but the closing is not going to happen as Bank of America will not send a payoff. We started requesting XXXX XXXX. The closing is XXXX XXXX.
Consumer complaint received 2022-02-08
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)

I've made several attempts to resolve inaccurate information on my credit report with Experian. I've disputed the information with hopes Experian would follow the law and perform an investigation. This has not happened. I've sent in the document after document showing and outlining the " exact '' error. Which is not my job to do. I shouldn't be providing them with the issue and the answer. I'm told by law, the Fair Act of Reporting 15 U.S.C. 1681, items listed on my file must be accurate. The definition of accurate, ( of information, measurements, statistics, etc. ) correct in all details ; exact. This information is not accurate based on definition alone. Furthermore, I did not give said company or Experian written authority to list any inaccurate items on my consumer credit file, as stated in the following, 15 U.S.C. 1681b ( permissible purposes of consumer reports ). Each time Ive disputed any item, Experian returns with a blanket statement ( You have previously disputed this item. Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not process a duplicative dispute. If you have new or different information that is relevant to your dispute, you can upload supporting documents by using the button below. Alternatively, you can add a statement to this item or cancel your request below. You may also wish to contact the data furnisher of this information regarding your dispute ) and fails to do what is deemed an accurate re-investigation. If the reinvestigation was performed, they would spot the obvious inaccuracies listed on my report and correct, and/or delete. Since this dispute has been beyond the timeline outlined for reasonable disputes, ( XX/XX/XXXX ). The only resolution at this point would be to delete the items Ive disputed due to lack of verifying the information, along with the accuracy of the items. Prior to XXXX, Ive have time to work endlessly on my credit file. However, with the prolonged progress of the last items listed, Experian gives me no option to look at acquiring a mortgage, as lending and underwriting clearly see the inaccuracies which leads to automatic declines. This mistake and blatant disregard to my consumer rights has led to years of stagnation of me gaining any credit approvals.
Consumer complaint received 2022-02-08
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. (TX)

I was made aware of the fraudulent accounts and I was assured these items would be Deleted and Removed from my Credit Report I will attach yet again the Sheriff 's Card so that these items can be DELETED from my Credit Report. 
XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX
Consumer complaint received 2015-07-26
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (UT)

I have not lived with my parents for over 20 years and they called my father at his work. I have had so many letters and calls from these people over the years XXXX and I find it hard to deal with. The company Portfolio Recovery has 4 collections on me totaling almost {$2500.00}. In the past I have tried to call and they are not willing to work with any type of payment plan for someone on foodstamps with low income. I have no idea what companies or debts they represent. They fill up my credit report and make it hard to find a home, job, school loans.The continuous letters and harassment have led me to feel consumed with fear, worry and anxiety. I tried to buy a home recently and was crushed to find out my credit score. I am a person with XXXX and the hits on my credit and all the continuous harassment mail and calls XXXX.
Consumer complaint received 2022-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.