davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am writing to dispute the failure to remove fraudulent accounts from my credit report, despite confirmation from the bank over the phone. This non-compliance with the law is concerning. Under the Fair Credit Reporting Act, it is mandatory to promptly remove inaccurate and fraudulent information from credit reports. Yet, these accounts persist, undermining the reliability of the system. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2017-08-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I have disputed with the three credit reporting agencies, XXXX, XXXX and Experian, more than several times about the same incorrect account information on my credit reports but the agencies are not correcting the problems. I have submitted disputes online and in writing. Seems as though all I 'm getting is an automated response after a few weeks of " updated '' information '' .The accounts get changed from showing NA to collection account, or vise versa. There are collection accounts, public records and inquiries that I have tried over and over again to have removed. I 'm not getting anywhere and its very frustrating. I have even submitted documentation to the credit bureaus hoping that it will help in aiding the investigation, but again, nothing happened. There is a public record on my account from XXXX County Clerk in the amount of {$300.00} that was paid in full. I contacted WCC and asked if they could please have this removed from my credit reports and they said yes. They also mailed a letter out to me with a judge 's signature stating that the judgment had been satisfied and that they agreed to remove it from my file. I sent this to the credit bureau on at least 4 or 5 occasions but it still remains on my credit report.
Also, there is a collection account on my credit report for XXXX XXXX XXXX showing there is a charge off of {$420.00} for a credit card that they claim I had. I have also disputed this account many times with the credit bureaus stating that this account does not belong to me, the balance is incorrect, I am no longer responsible for this account, etc.! I have tried to dispute it in many ways so that the credit bureaus will look into it and do a thorough investigation but the only thing that happens is that my credit report gets updated with the same information making it look current and hurts my credit report and score even more.
I applied for a SECURED card with XXXX XXXX which stated that they will not do a credit check and that my social security number is only needed for identity verification. I get a letter in the mail a few weeks later stating that I was denied for a XXXX XXXX because of collection accounts on my credit report. I was lied to. I was told that there would not be a credit check for a secured card. I disputed this information with the credit bureaus but this inquiry still remains on my account. I have sent in documentation showing that I applied for a secured card but nothing happened.
There is also another inquiry from XXXX XXXX XXXX on my credit report that I have disputed with the credit bureaus. I have NEVER applied for any services from XXXX XXXX. I live in a building that is not even wired to receive XXXX XXXX services. I have disputed this inquiry over and over and over and the credit bureaus just keep ignoring me. Please help me.
Thanks in advance.
Consumer complaint received 2018-09-19
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: Innovative Funding Services, L.L.C. (LA)

My credit score is being affected by hard inquires made without my knowledge. I have been searching for a safe and reliable company to refinance my car loan with. While doing so my credit score has dropped. I have only given one company permission to run a hard inquiry and that was XXXX XXXX on XX/XX/XXXX I am seeing two other hard inquires that I did not give permission for. One from  XXXX XXXX on XX/XX/XXXX and Innovative Funding Services on XX/XX/XXXX. 
This is affecting my score and I would appreciate getting this problem resolved.
Consumer complaint received 2018-09-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

On XX/XX/XXXX I paid off the mortgage with Bank of America so that I could sell the property thru XXXX XXXX XXXX in XXXX, Oregon. Several months later I received a cashier 's check dated XX/XX/XXXX for overpayment on the closed account in the amount of {$560.00}. I was told that the check was good for 5 1/2 months. When I took the check into the XXXX, Oregon branch of Bank of America I was told it had been reported as lost or stolen which was impossible as I still had the check which had not been endorsed. Later I was told by the bank manager that the wrong number had been recorded and the bank would send me a replacement check. I have been trying to get my money returned to me. These are the ID # I have been given during this process -- XXXX. During the last ticket # I was told as all of the other calls that check would be sent. I have never received a check. Every time I have dealt with Bank Of America I  have made sure that they had my email address, my new phone number and my new mailing address in XXXX, Oregon. I have faxed a copy of the original check to B O A on XX/XX/XXXX. I have closed all accounts with B O A and bought a new home that is completely paid for in XXXX. Please help me recover my money from from this irresponsible bank.
Consumer complaint received 2017-08-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION (TN)

I have disputed this company known as ( Syndicated Office Sytems, also called Central Financial Control collection company same phone # XXXX ) these are the accounts # XXXX,XXXX,XXXX,XXXX, XXXX. I have called on many occasions I was asked what is your address connected to these collections? I said I have no idea, I do not know you they hung up on me. Other calls they say they can not speak to me because there is attorney name on file, after many calls I got my attorney 's office to call they did them the same way could not talk without my permission, they did say these bills are part of my insurance deductible, not true I do not have a deductible. They donot have address with these bills every address I give they tell me it is the wrong address or my phone numbers.Syndicated Office Sytems keep insisted I pay these debts that can not be proved they are mine. I am helpless & caught in a catch 22 please help.! It is amazing with the Hippa Laws they are able hold credit hostage with out truly being able to prove these debts are mine. XXXX has enabled all of this because they contributed to allowing 7 disputes this company has failed to send me any proof yet what is XXXX receiving to keep them iaacuratly on my credit file? My score can not get any lower, I have been denied credit and I am paying a huge homeowners policy .i want these inaccurate reports removed from my credit files ounce and for all Than you
Consumer complaint received 2017-08-11
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. (NC)

I have a rental debt on all 3 reports. XXXX recently removed the debt XX/XX/XXXX because it has been 7 years however XXXX states the date for their removal is XX/XX/XXXX and Experian stated the date for their removal is XX/XX/XXXX. I am very confused if there is only one original delinquency date as reported by the creditor, why does the 3 bureaus report different dates.
Consumer complaint received 2021-02-23
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. (AL)

I AM A VICTIM OF IDENTITY THEFT!! I am in the home buying process and these fraudulent accounts are causing my family and myself a lot of emotional distress. I've been trying to buy a home and I am being impacted by these fraudulent accounts. 
There are several inaccuracies on my report that I didn't authorize these accounts, violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character.
Consumer complaint received 2020-05-22
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 request a credit report from Experian and find that there are 3 inquiries which are not result of my action as followed : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ME XXXX ( XXXX ) XXXX XXXX Address ID # ; XXXX Date XX/XX/XXXX Reason Unspecified. This inquiry is scheduled to continue on record until XXXX XXXX. 

XXXX XXXX/XXXX XXXX  No phone # available Address ID # : XXXX Date XX/XX/XXXX Reason Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX ( XXXX ) XXXX XXXX Address ID # : XXXX Date XX/XX/XXXX Reason Business. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

I suspect of identity theft and need to fix these discrepancies. 

Then I file complaint no. XXXX but Experian refuses to remove these inquiries.
Consumer complaint received 2020-11-23
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: AMERICAN EXPRESS COMPANY (GA)

A charge was made on XX/XX/2020 by XXXX XXXX XXXX XXXX for {$1900.00}. The job was never completed. The contract not satisfied. Several attempts have been made and still no resolution.
Consumer complaint received 2023-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Data and Contact Management Solutions, LLC (GA)

DCM services has not stopped contacting me, regarding my grandmothers debt that was owed. My grandmother left me everything in her Will and executor of her Will. She didnt have money, just a little house she worked her butt off to get. Now I own the house, and this company DCM services has not stopped bothering me and threatening to take my house that I inherited to pay a XXXX debt, which in my opinion is a write off. I have no other choice but to settle this debt myself. Which is not good for me, because my job was affected due to covid 19. Now Im finally back at work and DCM services wants XXXX cash upfront. I have children and a family. And if DCM services are within their rights and are lawful, then the laws are messed up. Why should I have to pay for a XXXX loan I never took out? Why is my house threatened to be foreclosed on? This is unfair and outright inhumane and evil.
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (OR)

So I have been trying to use this XXXX prepaid Visa and it keeps declining it everywhere. XXXX can't link it to my XXXX pay, XXXX, or anything. I even tried buying a XXXX card with it, so I could complete my transaction, from XXXX XXXX onlineXXXX XXXX  online, and XXXX and nobody is accepting it. It says the card is active and that there is more than enough money for it, but it keeps getting declined everywhere. I also have a XXXX  master card that has been doing the same exact thing. I tried calling the company and all they told me was well at least it has money on it for a different purchase. When XXXX ) no I bought this card to make this purchase. And XXXX ) why the XXXX are these people allowed to sell cards that claim you can use it for online purchases when NOBODY will accept them. And I don't even think it is a matter of places accepting them, it has something to do on the card company 's end. So I have over XXXX dollars that I needed to be able to make my purchases and now I am screwed because nobody accepts the XXXX things. Help me.
Consumer complaint received 2023-02-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (CA)

Back in XX/XX/XXXX of XXXX I made a return with a merchant for the amount {$610.00} the merchant refunded my money on XX/XX/XXXX and it went back into my account, then XX/XX/XXXX Wells Fargo without my authorization withdrew an additional {$610.00} from my account, made my account overdrawn and I was stresses about it for days and I was on the phone with them for HOURS and finally when I asked how that happened the person on the phone said " I don't know '' that was it no apology no explanation
Consumer complaint received 2021-01-25
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: EQUIFAX, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2021-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Delta Outsource Group, Inc. (MA)

A an agency called Delta Outsource Group claims they are collecting a debt for XXXX XXXX  - XXXX. However, I settle that debt with another debt thru a consolidation company called XXXX XXXX who negotiated a settlement, which included decreasing the balance, with XXXX XXXX and another company. I paid XXXX XXXX approximately {$250.00} per month for 2 -3 year, ending in 2016, with which XXXX XXXX paid the XXXX XXXX and the other company 's attorneys and told me not to reply to those companies when they contacted me. I did as they said then the debts was settled. I still have records of my payment information with XXXX XXXX. 
Now Delta Outsource Group claims I owe the approximately $ XXXX that was already paid thru XXXX XXXX. Delta Outsource Group claims that doesn't show in there system. If they continue to try to collect money from me I will go to court with this issue. 
XXXX XXXX
Consumer complaint received 2016-03-14
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

In 2014, my husband and I separated. During that time he missed some payments on the mortgage. There is some payments that we made that were never posted to our account. Our home owners insurance premiums in our escrow is way off as well. We have tried to clear these issues up with them but have been unsuccessful. We applied for a home modification, but the terms of modification would have left us owing way more on our home than it is worth. We continued to pay our mortgage payments but XX/XX/XXXX, Bank of America refunded our payments and the house is now in foreclosure. We are not allowed to make payments on the house anymore. We drove 3 1/2 hours one way and spent over 4 hours applying for principal reduction but was advised that we can not get one. We owe about $ XXXX on our home and it is only worth about $ XXXX. We filed for bankruptcy many years ago and Bank of America did not reaffirm our loan so we can walk away for the house without any penalties. We want very much so to keep our home but we can not reaffirm the loan owing way more than it is worth. We have tried to work something out with Bank of America but have been unsuccessful.
Consumer complaint received 2020-11-14
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. (AL)

I HAVE A SERIES OF ISSUES WITH THESE ACCOUNTS. I HAVE A CABLE BILL THAT IVE NEVER SIGNED UP FOR. HOWEVER I HAVE BEEN A VICTIM OF IDENTITY THEFT. I HAVE A MEDICAL BILL THAT SHOULDVE BEEN COVERED BY XXXX, BUT INSTEAD THE BUREAS DECIDE TO PUT THIS ON MY CREDIT ACCOUNT WITHOUT CHECKING IF I WAS COVERED BY ANY TYPE OF INSURANCE. THEY HAVE NEVER REACHED OUT TO ME OR SENT ME ANY MAIL STATING I OWED THIS BILL. I CONTACTED THE CREDITORS ABOUT THIS INACCURATE MEDICAL BILL AT XXXX AND THE REP WAS VERY UNPROFESSIONAL AND EVEN MADE JOKES. I AM BUILDING UP MY BUSINESS AND THESE FRAUDULENT AND INACCURATE ACCOUNTS ARE CAUSING ME A LOT OF DISTRESS.REMOVE THESE INACCURATE ACCOUNTS OR I WILL HAVE TO ESCALATE TO THE NEXT LEVEL.
Consumer complaint received 2020-10-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NC)

I secured a line of credit on XX/XX/XXXX, in the total amount of {$26000.00} .On XX/XX/XXXX I filed chapter XXXX bankruptcy and received relief on or about XX/XX/XXXX. I was later relieved of my employment about XX/XX/XXXX. I notified the appropriate parties of my inability to make timely payments ... until I could regain employment. Shortly after that, the creditor stopped billing me for the account. All this occurred around the time of the financial upset of XXXX. Some time later I attempted to contact the creditor and was told by the then parent company that the account could not be located. I put it aside until in XX/XX/XXXX when I then put my house on the market for sale. After a title search, it was discovered that the " deed of trust '', for that loan, was still in place. On XX/XX/XXXX, I then contacted the parent company and was again told that the account could not be located. I then proceeded to request a " release of lien '' and was told that after submitting the requested info, it would take a approximately 30 days for an answer. About XX/XX/XXXX I received another request for more info, of which my attorney either submitted or did not have access to. He then requested a balance due or the release of the lien. There has been no communication since that time. The contract for sale of the property had to be dissolved due to my inability to deliver a clear title and am now unable to put the property on market for sale for that same reason.
Consumer complaint received 2020-05-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc (AZ)

On XX/XX/2020, I received a letter from Synergetic Communications Inc, alleging that I owe a debt of {$15000.00} for a credit card debt I never owned. In this letter, the creditor wrote : " This debt is too old to be sued on in court as the statute of limitations has expired, and you can't be required to pay it through lawsuit. The statue of limitations may be renewed on this debt and start the time for filing a lawsuit against you to collect the debt over, if you sign a paper in which you admit that you owe the debt. '' This is clearly a deceptive attempt to collect an old debt from someone else and not me. I do not owe this debt.
Consumer complaint received 2020-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MN)

To Whom it May Concern, This letter is a formal compliant that you are reporting and incomplete credit information. 
According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account
Consumer complaint received 2020-10-22
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$800.00}, {$2800.00}, {$900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$900.00} -This is not my account.