davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-18
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. (AK)

I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2021-02-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Since XXXX, I have been trying to get an erroneous Bankruptcy removed from my Experian Credit file. After numerous complaint, Experian stated that the United States Bankruptcy Court Eastern Division in XXXX, CA verify that a Bankruptcy belong to me. 

XX/XX/XXXX, XXXX removed the Bankruptcy from my credit file. Experian received the incorrect information from XXXX XXXX. 

XX/XX/XXXX, I received a letter from the United States Bankruptcy Court Eastern Division in XXXX, CA, stated that the did not report information to credit bureaus. So how did Experian verify my account status for the last two years.
Consumer complaint received 2021-02-27
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. (OH)

I was looking over my credit report and I noticed that a few 30 days late payments weresupposed to be removed ON MY XXXX XXXX XXXX XXXX XXXX the dates were XXXX, XXXX I was an authorized user on that XXXX XXXX account and I have been removed from that account that I am not financially responsible for. The owner of that account has since had the Late Payments removed from her accounts due to the CARES ACT that calls these agreementsaccommodations. She had no income and was unable to make any Payments as an act of a natural disaster ( Pandemic Shutdown ).
Consumer complaint received 2021-02-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: AMERICAN EXPRESS COMPANY (MN)

During the last week in XX/XX/2019 -- just a day after making a deposit on my Bluebird Amex Prepaid money card I noticed that funds were missing within the account. I began to panic -- immediately calling customer service, looking over transactions, etc. 

A skimmed event perhaps, they pulled out approximately : {$120.00} dollars from an ATM at XXXX XXXX station in XXXX XXXX XXXX MN. 

The customer service team at their offshore center was not very obliged nor friendly when mentioning my card being breached, and funds were missing. They wanted to connect with my money account with Aspirations bank, to verify that the account was mine. Failed a connection. Several calls were made throughout the year, an FTC report was made and included in an identity theft report with the XXXX Police department.
Consumer complaint received 2021-02-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

Regarding two accounts on my credit bureau reports from one reporting entity : The entity reporting is Portfolio Recovery Associates, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX. 

Account # 1 involves a closed consumer credit card account. Portfolio Recovery Associates is reporting my current balance as {$1800.00}. This account was settled on XX/XX/XXXX for {$1000.00}. Since then I have been making regular monthly payments. My current balance is {$280.00}, with another payment of {$95.00} due on XX/XX/XXXX. 

Account # 2 is also a closed consumer credit card account. Portfolio Recovery Associates is reporting my current balance as {$1500.00}. This account was also settled on XX/XX/XXXX for {$870.00}. Since then I have also been making regular monthly payments to Portfolio Recovery Associates on that account. My remaining balance is {$740.00}, with another payment due to that account on XX/XX/XXXX. 

I have contacted Portfolio Recovery Associates three times in the past year. Each time I was told that there was nothing " inappropriate '' about the company 's reporting. During our last conversation this past XXXX, I pointed out that my debts were " purchased '' in XX/XX/XXXX ; and reminded the representative of the settlements reached in XX/XX/XXXX. But when I asked why the company started erroneously reporting what I owed more than three months after those settlement agreements, I was rudely informed that if I " had a problem with the company 's reporting '' that I " could always hire legal counsel ''. With all due respect, I found that offensive. 

Since then I wrote to all three national credit bureaus with a dispute. Each one replied that my dispute " Meets FCRA Requirements '' ; after which my credit scores rose dramatically. Within days, however, my scores dropped back to their previous levels. Each of the three credit bureaus changed my status from " Meets FCRA Requirements '' to " Dispute Resolved, Consumer Disagrees '' ; even though, however, there was no follow-up between me and any of the three credit bureaus.

As a frontline healthcare worker, I had my full-time status changed last XXXX to " per diem ''. In XXXX of last year, my employment status was elevated to " part time ''. Despite my changes of income status, however, my monthly payments to both of the above accounts has consistently remained on time. Account # 1 will be paid in full as agreed on XX/XX/XXXX. Account # 2 will be paid in full by the end of this year as agreed. I therefore feel inappropriately targeted for debts that I am settling as agreed. 

Thank you in advance for your understanding. I await your determination and reply.
Consumer complaint received 2022-05-02
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Linebarger Goggan Blair & Sampson LLP (WA)

Fake Company from Oregon has my info WARNING me of past due COURT FEES OR FINES of {$750.00}, which I know for a fact I don't have!!!
Consumer complaint received 2022-01-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc. (TX)

MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. THE COMPANY XXXX & XXXX, PURCHASED DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION, ACCORING TO 15 USC 3002 I AM AN NATURAL PERSON WHICH MEANS THE ALL CAPS NAME IS NOT ME. 
PLEASE SEE ATTACHED DOCUMENTS AND ID AS IT CONTAILS MY FULL COMPLAINT AND REQUEST.
Consumer complaint received 2021-04-12
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, Bank of America ( BOA ), approved our forbearance that lasted till XX/XX/XXXX, under COVID-19 Hardship. On XX/XX/XXXX, we received a letter of Delinquency notice from BOA reminding us that our mortgage payments are late, if we do not bring the account to current, it may result in fees and foreclosure ( loss of our home ). The delinquency letter lasted till XX/XX/XXXX, ( 6 of them ). On XX/XX/XXXX, we resume payments on our mortgage loans. 
since then, BOA has reported negative report to credit bureaus which affected us negatively as we attempted to refinance our home with negative results due to 7 payments missed during the disguise of forbearance forbearance. I have reached out to BOA on numerous times over a 5-week span requesting equal treatment and fairness under the terms and conditions agreed upon under FORBEARANCE and not under DELINQUENCY that harm with negative results. Now BOA has opened up enquiries to assist us with the credit bureau in an effort to right wrong. That's 30 % of our dilemma. BOA assigned us case manager I learn for the first time today his first name as XXXX, and BOA provided us with number of XXXX XXXX each call has proven futile as no-one has being able to explain the difference between FORBEARANCE and DELINQUENCY NOTICE to us. Each time, there is a round and round the lasted for over 5 ours that they started hanging up on me.
Consumer complaint received 2019-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NY)

this complaint is regarding my chase XXXX account ending in XXXX. 

on XX/XX/XXXX i sent chase XXXX my payment that was due on XX/XX/XXXX. 
i paid the amount due in full and, the payment was only going to north carolina. however, around the XXXX of XXXX i recieved my statement with a {$25.00} late fee and {$5.00} interest. it appears that my payment did not reach chase until after the XXXX. i can not figure out why? 

i called chase and they would not waive the fee 's. back around XXXX i had a late fee, ( of which i was also suspect ). i feel that there is a problem somewhere between New York and north carolina.that keeps my payment from getting there on time .i feel i can not be responsible for something that is beyond my control. banks always swear that the problem is not with them that they post payment 's when they should be posted, bla, bla, bla. it is always easy to blame the postal service, but i don't know. 
PS : i'm not sure if the payment goes to north or south Carolina, as i don't have a statement.
Consumer complaint received 2019-03-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (OR)

Hi, I sent payment to LoanCare Mortgage via my XXXX XXXX on XX/XX/XXXX incorrectly. My mortgage with LoanCare was closed in XXXX. I was supposed to make the payment to XXXX XXXX. I called LoanCare Mortgage on XX/XX/XXXX to inquire about the payment and spoke with XXXX. She indicated the payment would have been " rejected '' and to call my bank. I spoke with XXXX on XX/XX/XXXX who indicated it was an electronic transfer of funds and the electronic transmission was successful indicating LoanCare received the payment on XX/XX/XXXX. I attempted to contact LoanCare Mortage again and was on hold for 12 minutes before speaking with XXXX. She is indicating the payment was not received.
Consumer complaint received 2023-01-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

" Medical debt remarks will be wiped away from millions of credit reports beginning this summer ( XXXX ). 

Here are the details of the new changes effective XX/XX/XXXX : Starting in the first half of XXXX, XXXX, Experian and XXXX will no longer include medical debt in collections under {$500.00} on credit reports. '' I have reached out to XXXX, Experian and XXXX to get the following medical debts under {$500.00} removed from XXXX XXXX removed from my credit report and they are : {$310.00}, {$370.00}, {$310.00}, {$66.00}, {$240.00}, {$130.00}... XXXX XXXX XXXX XXXX XXXX bills, all posted XX/XX/XXXX during the pandemic when we were having financial hardship.
Consumer complaint received 2022-08-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICA FIRST FEDERAL CREDIT UNION (GA)

None of the problems listed adequately described my problem. 

Lender : America First Credit Union, based in XXXX. 

Our lender for our vehicle didn't receive our title from the seller for over a year from the date we purchased the truck in Utah, and when they didn't receive it in the requisite time frame, they never followed up to get our title from the seller. Therefore, they didn't have it when we needed it. We lived in XXXX at the time we bought the truck. We have since moved to XXXX and our XXXX tag has expired. We have called every single month since XXXX trying to get them to send our title to the state of XXXX, and they have been unable to do so. When we initially called, it was because they never received our title, so they ordered a duplicate, confirmed they received the duplicate with us, but have continued to fail to send it to the XXXX XXXX XXXX for us. We have called every month ( XXXX through XXXX ) to request that they send the title, and they continue to act confused about where the title is, whether they have sent it, and they never send us follow up communications about our requests, even when they say they will. They are so disorganized and incompetent and have not been able to get our title to the XXXX DMV for four months, despite us regularly calling to complain and follow up. We can not legally drive our truck without an active registration and we are unable to get an active registration without a title being sent to XXXX. Please help.
Consumer complaint received 2019-03-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (WA)

specialized loan XXXX I have contacted this company several times ... XXXX- XXXX all around the XXXX of each month. I keep getting different answers from each person. We are behind, but was on the understanding we were on a repayment plan. Now they are telling us they will only take money through XXXX XXXX or XXXX XXXX which is a huge inconvience. 

We had several deaths in family and basically fell apart. this is why we fell short. 

We did not ask to be with this company to begin with. Not impressed with SLS
Consumer complaint received 2021-02-27
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

This account was opened through identity theft prior to me being of legal age. My ex step father opened this account I believe ; however not certain. I didn't find out this account existed until my XXXX birthday. I have tried on several occasions to have it removed by Capitol One. Each time they claim it is a valid debt although I clearly was a minor.
Consumer complaint received 2022-01-16
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. (IL)

Tried disputing with credit bureaus and contacting the companies for more information into the inquiries. Here were unauthorized inquiries on the following dates XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ameritech Financial (MO)

Ameritech Financial Act # XXXX This company fraudulently told me they were a loan payment and reduction and forgiveness program. They told me over 25 years of making 119 payments my loan would be completely forgiven. After receiving a letter from the federal trade commission, I followed up with Ameritech financial. They stated they were not making payments to the loan institution and I could not get my money back. 

.
Consumer complaint received 2018-02-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc. (UT)

I went into XXXX to get some clothing and handed over my credit card. As I was paying, the associate ask me if I wanted sign up for a credit card, so I said yes that would be fine. They handed me a card and I went on my way. Next month, I went into the store to pay my credit card and I went in and handed them the card they gave me. The associate said this was a rewards card and nothing to be paid. The associate was new and instead of trying to look if I had a credit card, just told me I had nothing to pay since it was only a reward card. So I figured that they must have used my regular credit card, not XXXX 's credit card, that I handed to them to make the purchase. A month later I got a letter from XXXX stating that I was now in collections, so I ran down to the store to pay it off and the supervisor apologized for the confusion and was able to locate my account and pay it off in full. I paid it off in full but she never mentioned that they would leave the late payments on my credit report even though it wasn't my fault. The supervisor apologized for their reps confusion.
Consumer complaint received 2023-01-11
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: EQUIFAX, INC. (FL)

This company has failed on multiple occasions in the past XXXX months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'VE PAID THIS ACCOUNT OFF AND XXXX XXXX XXXX AGREED TO REMOVE THE ACCOUNT FROM MY CREDIT REPORT BUT IT'S STILL SHOWING. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (GA)

Set up a payment arrangement with Citbank to bring account current fulfilled requirements of making every payment on time but company still reported account as past due/ delinquent. When arrangement was made information about credit bureau reporting while on the catch up plan was not properly disclosed to me.It is now showing that I have been past due for the first 2 months of the year when I made my payments on time.
Consumer complaint received 2019-03-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: National Credit Adjusters, LLC (TX)

I took out some online payday loans over a few years ago and paid them off. But National Credit collectors/adjusters says I still own for one. When they call they don't identify themselves unless I pressure them. Then they go right into setting up payment plans on a loan I don't remember still owing on. When I start asking for more information, they get rude and pushing about making payments.
Consumer complaint received 2021-09-16
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. (DE)

PLEASE SEE THE ATTACHED AFFIANT AFFIDAVIT IN AFFIRMATION OF FACTS. I HAVE ALSO ATTACHED MY LICENSE AND SS CARD FRONT AND BACK SO TRANSUNION KNOWS THAT I AM THEIR CUSTOMER, THE CONSUMER SUBMITTING THIS COMPLAINT. 

Please make notice to this declaration being that one and in of the same as an Affiant acknowledgement of AFFIANT INTENTION of future civil suit for favorable affiant resolution should addressee of this AAAF NOTICE ( Affiant Affidavit in Affirmation of Facts Notice ) be of derelict collection and or reporting of not proven compliant allegations of injurious adversary and or derogatory claims, particularly any and all items of which affiant has here in this statement made notice to in composition. I demand in request that receiver of this declaration accept it as being officially my CONSUMER DECLARATION to ANNUL ALLEGED DATA not requisite reported or else wise not as required CERTIFIED in its entirety as being fully current, true, correct, complete, timely, of affiants ownership, of affiants responsibility, certifiably compliant to all collection and or reporting laws, and or with proven testimonial and documented certificate of said compliant as is mandated by law. Affiant today, here and now, foreverly demands receiver to CEASE activity ( ies ) of adversary or derogatory nature versus affiant, even those of collection and or reporting, or else any action even if not here mentioned!
Consumer complaint received 2019-03-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (NY)

Debt Collector has not provided a notice of any existing debt nor the provided verification of said debit. They have not provided proof that they are licensed to collect debts in my city or state. Instead in bad faith they place negative information on my credit report, impacting my score circumventing my rights as a consumer.
Consumer complaint received 2018-02-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CNG HOLDINGS INC (FL)

It was a account with XXXX XXXX. The account was transfer to XXXX XXXX XXXX XXXX. I was given XXXX XXXX XXXX by XXXX XXXX on XX/XX/XXXX. I contacted XXXX XXXX between XXXX which they stated that they was the owners of the account. They never stated that XXXX XXXX XXXX purchased this account from XXXX. The XXXX at XXXX XXXX stated nothing would be reported unless it waspaidin XX/XX/XXXX. I paid account on XX/XX/XXXX on XXXX XXXX. The collections from dated on XX/XX/XXXX from security credit was sent on that day. I would like negative on credit to be deleted per XXXX XXXX agreement. Today XX/XX/XXXX received saying nothing will be removed. 


XXXXAssignment of consumer debts.This part does not prohibit the assignment, by a creditor, of the right to bill and collect a consumer debt. However, the assignee must give the debtor written notice of such assignment as soon as practical after the assignment is made, but at least 30 days before any action to collect the debt. The assignee is a real party in interest and may bring an action to collect a debt that has been assigned to the assignee and is in default. 

If the notice was on XXXXand paid on XX/XX/XXXX. They shouldn't be reporting debt. Plus they had XXXX XXXX collecting without knowledge.