davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have sent certified mail four times to Transunion ... I 've been disputing UNVERIFIED accounts on my credit report. I 've followed their protocol request to contact creditors per my phone conversation with Transunion dispute department on all unverified creditors. Every creditor have advised me that they do n't and will not contact credit bureaus under any circumstances ... They only give information once bureau requests info from them. If this is the case why Is n't the requested information I 've been requesting honored ... This inaccurate/derrogatory information is sincerely hindering my ability to refinance my properties which ballon payments are coming due in XXXX 2017. I 've been fighting with Transunion since XXXX of this year 2017. They 've not addressed any/all the derrogatory information in my credit report as of XXXX/XXXX/2017. I 'm requesting assistance in this delicate situation. Thanks.
Consumer complaint received 2022-02-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I had bankruptcy. We attempted to reaffirm a XXXX XXXX  car loan in XXXX they never responded and we included it in the bankruptcy. We got it discharged in XXXX. Vehicle was repossessed voluntarily in XXXX. It showed up as a charged off debt on our credit report. In XXXX, I noticed our Transunion score dropping points every month due to a balance increase with XXXX XXXX creditor. We disputed this stating it was part of a bankruptcy. Transunion then reported the debt as REAFFIRMED and it popped up as a new debt on our credit report which XXXX and XXXX also changed their reporting to Debt Reaffirmed and new debt. This is a 4 year old debt that was never reaffirmed and it's passed our XXXX statute of limitations for debt collection! I tried disputing again but XXXX dispute center won't accept the PDF documents of our petition and discharge. XXXX only took off the remarks but the debt still show as current instead of charged off. Transunion didn't do anything. We are trying to get a house and this is wreaking havoc with over 20 points loss on each credit bureau!
Consumer complaint received 2016-09-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (IL)

Today is XX/XX/2016 After me receiving my direct deposit on XX/XX/XXXX, I submitted all of my checks and ach deposits for payment only learning as of today Chase closed my account, when asked why they explained to me they did not have to supply reason only leaving me to now ask them for enough money to survive until they were to send me my remainder money through mail in ten of fourteen days. Well while I talked them into at least giving me {$1000.00} the remainder {$1200.00} will not be distributed to me until 10 to 14 days in a check in which this has cause me great hardship in getting my bills paid on time and without late fee or penalty. I want to complain the fact they closed my account without providing me proper notice of a closer and the fact they cause me insulting inconsolable inconvenience and an embarrassment state of closing my account.
Consumer complaint received 2016-06-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

My home loan got sold again ( 4th time in less than 3 years ). My current provider is Ditech and was sold to XXXX XXXX. Per notification laws, I am to be notified 15 days prior to loan change. The letter dated XXXX XXXX, 2016, was not recieved until XXXX XXXX, 2016. This leads to only a 9 day notification. Mortgage companies should be required to account for delivery of letters.
Consumer complaint received 2022-09-05
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2016-10-06
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America is reporting an account on my credit which they claim to have verified through my disputing process with both XXXX & XXXX. I have sent both bureaus dispute letters, method of verification letters & sent Bank of America a XXXX letter requesting all documentation including any original sign agreements/contracts which verify this account truly belongs to me. I believe all the companies are not following the FCRA & using XXXX or some other type of automated system to verify this account. The address tied to the file ( which I found through XXXX report ) does not belong to me nor have I ever lived there or received mail. I originally disputed the account in XXXX 2016 & just finished disputing the account again through the bureaus normal channels. Since the bank has been unable to provide a signed contract or any other legal documentation verifying its validity I would like this account removed at once ... and all records of the account removed from my credit reports with XXXX & XXXX. For the record XXXX deleted the account without incident in XXXX when I first disputed it. I 'm attaching all records & documentation. Lastly, I will not accept copies of documents. I have no idea if they 've be doctored or fraudulently created to eliminate their responsibility. Bank of America has been sued for robo signings & their lack of response to my original requests just appears to be an attempt to not follow the law again ... please remove immediately. 
important dates - XXXX XXXX, 2016 - letters sent to XXXX & XXXX disputing Bank of America acct XXXX XXXX, XXXX - XXXX letters sent to Bank of America & XXXX letters sent to XXXX & XXXX XXXX XXXX, 2016 - letters sent to XXXX & XXXX for removal of unverified information
Consumer complaint received 2022-02-11
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2016-06-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Receivables Performance Management, LLC (CA)

A former roomate opened XXXX cell phone accounts in my name using my personal information, XXXX with XXXX, another with XXXX has removed this account from my credit reports, XXXX keeps sending mny account to collections despite being provide with a ftc fraud affifavit and numerous legitimate police reports
Consumer complaint received 2022-02-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over XXXX days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated XXXX XXXX ( XXXX ) XXXX ) by failing to mark this disputed account as disputed XXXX ( XXXX  ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating XXXX  XXXX per the XXXX opinion.
Consumer complaint received 2015-08-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (IL)

I currently attend the University XXXX at XXXX. Last academic year ( XXXX ) I was enrolled as a full-time student and as such was given an in-school deferment. I am planning to return to school as a full-time student for the next academic year ( XXXX ). However, this summer I was notified recently that my FirstMark student loans were 60-days late and that they had reported this to the credit bureaus. In my surprise, I called and spoke with a XXXX XXXX. I thought that like my federal loans, if I was to be returning as a full-time student the summer months would be included in my in-school deferment. XXXX XXXX rudely informed me that FirstMark requires payment during the summer months. Had I known this, I would have been happy to pay my monthly bills, but because I was never informed of their specific rules I am being penalized on my credit reports. What is very surprising, is that I was in contact with them all summer and no one ever mentioned this to me. When I asked XXXX to remove the blemishes from my credit reports, she refused. I do not think that this is fair and I would like to make sure my credit report accurately reflects my intentions. I do not have any other blemishes on my credit report and I would like to keep it that way. I would like to submit this complaint to not only require FirstMark to inform their borrowers of such rules, but also I would like to have these blemishes removed from my credit report.
Consumer complaint received 2016-10-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P. (MO)

This company has violated state laws and disregarded my rights I 've tried to resolve this issue. With this company i get cursed out hang up on multiple times for what reason i do n't know creditors has sold this debt over an over again iam tired of seeing my credit score drop up and down because of this bogus company
Consumer complaint received 2018-03-17
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. (TX)

A couple of years ago a mysterious debt to some medical group in Oklahoma showed up on my credit report. After much harassment by phone and mail I filed suit in my local court and the company/collector agreed to take the item off my credit report. Now, a new collector is trying to collect the same debt that has already been removed from my credit report twice. This is clearly a scam. 

I had to go through this long, painful process with XXXX, XXXX and Transunion the last time. They just blindly allow people to put negative information on my report - the same information that has already been removed twice!! Enough is Enough!!
Consumer complaint received 2016-09-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MRS BPO, LLC (CO)

MRS BPO , L.L.C . contacted me by mail, on XXXX XXXX, 2016, and identified the debt as {$1800.00} owed to XXXX, MRS ACCT # : XXXX ; Current Creditor Account # : XXXX ; Charge off Date : XXXX/XXXX/2016. 
I do not have any responsibility for the debt, have never owed XXXX any money, and confirmed this with XXXX
Consumer complaint received 2017-02-08
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (FL)

They refuse to reply to all my disputed letters I sent to them, and refuse to fully remove the collection off my credit report. XXXX and XXXX has already gotten notification of removal but they have not removed it off my XXXX report and it is impacting my ability to obtain credit.
Consumer complaint received 2016-10-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC (GA)

This company continues to call from different area codes and phone numbers up tp 20 times a day after I have informed them to stop calling and to send whatever information they say is owed to them to the address on file which I have yet to receive, however the phone calls as of XX/XX/2016 have continued.
Consumer complaint received 2016-11-03
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: AES/PHEAA (CA)

I have 3 issues. They continued to contact me after I sent written notification asking for validation and to stop the phone calls. They continue to call me at work when I asked them not to. They told my boss why they were calling. 

When they call I tell them I do not consent to be recorded as is my right in the state of California and they tell me they wo n't stop recording unless I validate my information.
Consumer complaint received 2015-09-10
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Real Time Group, Inc. (WA)

Real Time Resolutions is showing a debt on my credit report for a property that was foreclosed on in 2010. I spoke with a lawyer yesterday and they said that the statute of limitations in the state of South Carolina is three years and this debt collector no longer should be affecting my credit score. They should also not be seeking payment.
Consumer complaint received 2022-09-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (GA)

My Protected Health Information ( PHI ) was disclosed to AMERICOLLECT without my authorization. By disclosing such private information, AMERICOLLECT obtained individually identifiable information about me, my health condition, and private information regarding my treatment. AMERICOLLECT 's unauthorized access to this information is a violation of HIPPA and also a violation of the FCRA as my right to privacy was infringed upon.

AMERICOLLECT then used this unauthorized information to harass me by contacting me without my consent via postal mail and via telephone. I received an unconsented call from a ( XXXX ) XXXX number on XX/XX/XXXX at XXXX from XXXX XXXX ID Number XXXX ) stating that she's attempting to collect a debt and requested a call back at XXXX. The FDCPA prohibits such behavior from debt collectors.
Consumer complaint received 2022-02-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

TransUnion is in violation of 15 USC 1681b. ( a ) ( 2 ) Any Consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I have given both verbal and written instructions concerning a credit account with XX/XX/XXXX being removed from my report. I spoke with an agent onXX/XX/XXXXregarding the removal of these fraudulent accounts and as a result of the several laws that I had listed that were and continue to be broken by Transunion, account were successfully deleted. With blatant disregard for FEDERAL LAW, an account has been added to my consumer report. This is a blatant disregard for the law since they aren't following the instructions of law according to the FCRA. Please see attachment.
Consumer complaint received 2018-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Deceptive balance availability. They pick and choose which transactions to include in your viewable balance. Charged {$350.00} in overdraft fees on XX/XX/XXXX after I made sure to check my balance via app and at the ATM. Customer service proceeded to tell me that their ATM 's do no give accurate balance updates but would not address the app issue. Would only waive {$74.00}. Noticed on XX/XX/XXXX after I made two transactions to XXXX that my balance reflected BOTH transactions, but then on XX/XX/XXXX when I looked at my balance on my phone my balance was missing the second transaction, therefore showing at {$98.00} dollars more. Fifth third is deceptive with how they report your balance on a daily basis, they withhold and retroact transactions to get more money via overdraft fees and when you utilize their once a year refund they will only give you partial back. Will no longer be using 5/3rd as my personal checking provider.
Consumer complaint received 2022-02-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Last month I disputed XXXX with Transunion and unfortunately nothing changed. The credit bureau failed me with this dispute. Due to Transunion not doing their due diligence I've had to fight this matter on my own. As of today with my attorney 's assistance I received some resolve regarding this matter. XXXX has stated that they will remove the erroneous derogatory information that they have reported to my consumer credit file. 

Please see the attached documents and remove ASAP!!!!
Consumer complaint received 2017-03-12
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: COAST PROFESSIONAL INC (AZ)

I attended University XXXX a few years ago. The school was not the right fit for me, so I withdrew. I emailed officials at the school and everything was taken care of. Then I see this amount of about {$5700.00} show up on my credit report as collections months later. I found out they sent my student loans back without telling me, which is illegal. When I withdrew, none of the XXXX clerks mentioned that I would owe that due to loans being sent back. When I called, the director of their financial aid department said " Well we like to tell students in person. ", as if that was a valid excuse for not informing me that money would be returned and I would owe it immediately. She also told me if I would have toughed out the semester with just one class, they would n't have sent the loans back. This is something that they should have told me, this is negligence on their part. Had I known they were going to do this, I would have complied with one class. Also, they let that balance sit in their financial aid department as a balance due for months. They had my phone number, mailing address and email ( which is how I withdrew in the first place ) and no one contacted me. I found out when it showed up on my credit report and I started getting calls to pay the debt. 

This debt was paid. XXXX sent the loans back without my authorization or at the very least notifying me. Then when the debt had sat in their office, they made no attempts to contact me about payment arrangements. This negligent business practice on their part and their actions are directly affecting my credit report. I 'm trying to buy a new car and eventually a house and I ca n't do that if there is a near {$6000.00} derogatory blemish needing to be paid in full in my credit. 

I have had this removed from my credit report before and I need it off again. This is ridiculous.