davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The information thats reported on my credit report by XXXX XXXX XXXX, is inaccurate. On XX/XX/XXXX XXXX received my regular monthly payment of {$790.00} in addition to a payment of {$15000.00} from a third party, proceeds from the auction of a XXXX XXXX XXXX thats financed through XXXX XXXX XXXX. For which they failed to pick up from the police impound after being given prior notice about the auction taking place. And now after receiving those payments, and me notifying them on XX/XX/XXXX about making future payments towards my account balance they went ahead and charged off my account without any prior notice. Which as severely damaged my credit and effecting me from securing future credits/loans.
Consumer complaint received 2022-07-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: NCP Holdings, L.P. (AR)

I applied for this loan through quick credit on XX/XX/22 When I applied the website was messed up not allowing me to pick the proper pay days I proceeded because I thought it wouldnt be a problem to call and give them the accurate dates of my paydays since there sight was at fault and like every other loan company that does not have a problem with correcting that I called to tell them that their website was messed up and didnt allow me to pick the proper paydays so I can pay back the loan this company has charged me double interest and argued with me that they can not change my paydays to the right days of my payday I told them that if they didnt my account will be overdraft which they did do seven days after I had made an payment they took another payment they explained that they were not going to change my paydays to the right days and here is a copy and look at the interest this company does not want to work with me being unfair because they want to charge more interest
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Account # XXXX XXXX XXXX Amount : {$520.00} Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2. They also have no permission to REPORT anything using my info pursuant to 15 USC 1681 4. 

I reached out to the original creditor ( XXXX XXXX ) and they have it on a recorded line that I do not owe anything to them & never had a balance, therefore this should not be on my report. it is an inaccuracy that needs to be fixed asap. in order to fix this inaccuracy, it needs to be removed from ALL of my credit profiles.
Consumer complaint received 2021-10-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (MD)

I received notice of statement in mail dated XX/XX/2021 for {$40.00} for services I received from XXXX XXXX XXXX at the XXXXXXXX XXXX  MD XXXX XX/XX/XXXX on XX/XX/XXXX. I paid right away on XX/XX/2021 using the Pay Online : XXXX  and received an email : Your payment has been successfully processed. The payment was withdrawn from my checking account on XX/XX/2021. I received another statement dated XX/XX/2021 for the same services. On XX/XX/2021 @ XXXX XXXX  EST, I called the billing department at XXXX and spoke with a female representative. I informed her I have already paid this bill and provided her the date, transaction email and bank statement. She said she would take care of it. I received another statement in the mail dated XX/XX/2021. I called on XX/XX/2021 @ XXXX XXXX  EST and spoke to the same female representative again inquiring why this claim has not been updated. She said, I did not send her the information. I forwarded the email that I sent her while she was on the phone. She said, they do not have record of the payment because there are two different systems and the payment possibly went to the XXXX XX/XX/XXXX. She instructed me to call XXXX XX/XX/XXXX and ask them to refund the money and then pay them. On the same day, I contacted XXXX XX/XX/XXXX at XXXX and sent an email to omfa.gwa.edu @ XXXX EST. The male representative was unable to see any records for me. He looked up records based on my name and SSN. I received a notification in the mail dated XX/XX/2021 from Transworld Systems Inc. to collect the {$40.00} debt as reported by XXXX XXXX XXXX. I called this company on XX/XX/2021 on XXXX @ XXXX XXXX  EST. I gave the representative the Transaction ID and Approval Code from the successful email. I was told Transworld would notify me in 30 days of their findings. On XX/XX/2021, I received a letter from Transworld Systems Inc. requesting me to send materials to valid my claims. I sent all the information by certified mail via USPS on XX/XX/2021. I received another letter in the mail from XXXX XXXX dated XX/XX/2021 enclosing a copy of the debt I owe and requesting payment.
Consumer complaint received 2021-05-02
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. (NY)

This is a legal and notarized document and request for proof of claim, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : US DEPT OF EDUCATION # XXXX, US DEPT . OF EDUCATION/XXXX # XXXX Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected.
Consumer complaint received 2018-03-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

portfolio recovery associates placed a collection on my XXXX credit report, after they realised that i did not owe this debt threw my prior disputes on XXXX they sent a letter stateting that the collection reported to XXXX would be deleted, attached is proof of such letter, as of XX/XX/XXXXthe deletion of this account ( XXXX  acct # in my XXXX credit report is XXXX theres a different account number in the portfolio recovery associates which is XXXX its the same merchant in my XXXX credit report.portfolio recovery has not deleted this account which has caused great harm to my perfect credit
Consumer complaint received 2020-07-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PRIMARY RESIDENTIAL MORTGAGE (TX)

I submitted loan application docs Primary Residential Mortgage, Inc.NMLS # XXXX, and NMLS # XXXX. 

After looking over the docs and paystubs we were told our loan would be approved and we were told to pay for our appraisal {$580.00} asap, as the closing date was soon, we advised our loan officer NMLS # XXXX, that my husband is working full time hours currently and will be full time soon. On the paychecks that were submitted it clearly says my husband is seasonal employee and not yet full time. This was pointed out by the loan officer and he said it was fine to more forward. We then paid for appraisal and earnest money, 2 days before closing the loan officer got back with us and said, that the loan guidelines were changed by the FHA govt, and that he needed my husband to be full time or the loan wont get approved, he said he can do a no doc loan if we came up with a fake company to get him approved, we did not do this, and said there is nothing we can do, you told us we will be approved and its 2 days before closing, he then admitted multiple times that this was his fault., and he should have caught this long time ago, without costing us time and money in pre moving costs and appraisal cost etc. He then told us that the apprisal cost will be refunded do to this being their fault, he also said this to my realtor agent as well. 

Now he is emailing us saying he cant refund it, due to time invested.
Consumer complaint received 2018-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (OR)

On or about XXXX XX/XX/XXXX American Express offered me a bonus of {$100.00} if I referred a family member or friend for the XXXX XXXX and they were approved. On XX/XX/XXXX a relative, XXXX XXXX, applied using the link provided by AmEx in their e-mail. XXXX 's XXXX XXXX application was approved. From the experience of XXXX years with AmEx, I know that bonuses are posted within a few days. After a week, my bonus did not appear. I used the chat function to inquire and was told by a CSR that it takes 8 weeks. After 8 weeks I again inquired via chat and the CSR said she would submit an inquiry to be handled expeditiously. After another week, no results. The CSR then lied to me and stated that AmEx never has a referral bonus for the XXXX XXXX. After another week, I again used chat and the CSR said she'd initiate an inquiry. A week later, no response. Yet  another inquiry via the online chat and a week later still in response. About XX/XX/XXXX, I spoke with a CSR on the phone. He explained that previous inquiries were incorrectly submitted. He also stated that it is completely false that AmEx never has referral offers on the XXXX XXXX. He stated he would submit a new inquiry in correct form and would have it handled expeditiously. As of today, no results. 

Further, XXXX XXXX has confirmed with AmEx that their card does have the applicant 's portion of the referral bonus ( {$500.00} bonus for {$30000.00} spend w/in 90 days ) attached to their account so it would be dishonest for AmEx to claim that the account was not opened up via my referral. 

This referral bonus would have served to reduce my upcoming XXXX annual fee. With AmEx 's  competence and integrity in question, I decided to cancel my XXXX XXXX as there is no reason to believe AmEx would fulfill their contractual obligation over the referral bonus.
Consumer complaint received 2022-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA (FL)

XXXX XXXX their credit card from XXXX XXXX XXXX First National Bank of Omaha XXXX When I paid my XXXX bill I sent the money to XXXX rather than XXXX. After receiving a XXXX statement I paid a late fee & interest because I thought maybe the payment didn't arrive in time. I did not owe the interest or the late fee because it was paid on time just to the wrong bank. I called XXXX times and faxed proof of payment and the collection calls and emails continued. I just got another statement and they are charging me another {$45.00} in interest and late payment fees.
Consumer complaint received 2021-06-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (CA)

I'm getting daily calls from nasty people claiming to be from American Express. I don't do business with American Express, never have and never will. Whatever debt they are calling about is not mine. They ask for someone named XXXX and I am not XXXX.
Consumer complaint received 2019-03-12
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Atlantic Mortgage and Funding, Inc. (VA)

In the past month, I have received over 10 solicitations to refinance my VA home mortgage. They range from poorly written to devious in their aim to convince me that I should not miss this opportunity to refinance. Many center around some " waiting period '' or the " IRRRL ''  program which I did not even know existed. My personal complaint is that I hate receiving paper mail in the first place because it wastes my time and I have to dispose of it with a shredder to avoid proliferating my information. I also believe that these letters are unethical business practice targeted at ignorant consumers. I hope there are not people who respond to them, but I am sure there are. It should be illegal to send this garbage to me. If I want to refinance my VA loan, then I will seek out a lender. I have retained the letters in case you want more information. As of today I am at 12 of them in less than 30 days. To me that adds up to harassment by the industry as a whole.
Consumer complaint received 2022-01-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MA)

In XXXX, I received an email from the department of education stating that I may have an additional 4 months of qualifying payments for purposes of PSLF. Currently, I am on track for forgiveness in XXXX, but if those payments counted, then I could reach 120 payments this month. I submitted an ECF on XX/XX/2021 and have not heard back. I have called FedLoan and they can not provide any details on when I will receive a final payment count.

Also, there have been months over the years where I have paid in excess of the amount due in that month. I would like those excess payments to count toward my total payment count.

I would like assistance in getting a final payment count from FedLoan and processing my PSLF application.
Consumer complaint received 2018-03-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX card services bought my XXXX XXXX account which should have been discharged in a bankruptcy that was discharged in XX/XX/XXXX. The account was correctly updated on XXXX and XXXX, but XXXX XXXX will not correctly update EXPERIAN, nor will Experian follow suit with the correct information being reported to XXXX and XXXX. I have disputed through Experian and the results were " account verified ''. Again, this account was discharged in a Chapter XXXX. As of XX/XX/XXXX, this account continues to report to Experian and now states the account is 150 days late. This is damaging not only my credit rating, but also causing unnecessary stress. 

XXXX XXXX refuses to delete inaccurate information from Experian, and they continue to harass me with phone calls despite my communication via Experian ( disputes ) that the debt was discharged.  Furthermore, I informed Experian that XXXX and XXXX had the same account information reporting correctly, but Experian refuses to follow suit. 

Thank you for your assistance.
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Credit Karma (IL)

XXXX XXXX notified me that there was an unauthorized access to my account.  I notified them this was not me who accessed my account from the new device.  They then notified me they cannot legally share if my data was breached.  How is an agency that claims they help with credit monitoring, not able to tell me if my data was breached at their own company?
Consumer complaint received 2022-04-28
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (CO)

On XX/XX/2022 I applied for a Discount Tire card online through Synchrony Bank. During their process the system attempted to send a verification code to a cell phone number I did not provide. I then called the bank and they sent me to an online system for verification of identity. That system required me to submit a five second video of myself and photos of the front and back of my Colorado state driver 's license. I then called them back and they said I was denied and they would send me a letter in 15 days as to the reasons. Since they have decided I should not be their customer I requested they delete my image and the image of my drivers license. They refused. I asked them for what business purpose they were keeping my personal information as I am not a customer. They said they could not tell me and that I could write and complain but they would not delete my personal information and implied they would keep it on file in perpetuity.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated. 
Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-28
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. (TX)

I submitted a dispute with Experian on XX/XX/2021 in regards to something appearing on my credit that I did not recognize. It stated it was a collection agency for a past due account from XXXX XXXX XXXX  XXXX XXXX. With this dispute I submitted proof of payment to XXXX XXXX XXXX  XXXX XXXX. Within 2 days, they stated they finished their investigation and found this to be correct. That leads me to believe they did not do ANY investigation and did not review the proof I submitted. Experian continues to report illegally on my credit report.
Consumer complaint received 2021-05-02
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: CITIBANK, N.A. (OH)

Reviewed a copy of my credit report and seen accounts that are fraudulent and does not belong to me. The accounts need to be deleted from my credit report immediately. This is affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : BEST BUY/CBNA  # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX.
Consumer complaint received 2022-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

In XX/XX/2021 someone used my information and fraudulently opened an Bank of America credit card in my name. About 2 weeks later I received notice there was new activity on my credit report, that's when I discovered the identity theft. I called Bank of America and spoke with their fraud department. They said they would close the account and send me a form to fill out to request a copy of the fraudulent application submitted in my name.

I have filled out that form 3 different times and sent it in via US mail and via fax ( 2 times via mail and 1 time via fax ) with the required documents ( a copy of my ID, social security card, and ID theft report ). They will not send me the copy of the application in which I am entitled. Today I received a letter saying they were considering this matter closed because they haven't received an " Identity Theft Victim Request form. '' This is untrue, I've sent it three times.

I want a copy of the fraudulent application as I believe I know who stole my identity. 

Bank of America case number : XXXX
Consumer complaint received 2021-08-15
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. (FL)

Ive reached out to all three credit bureaus XXXX XXXX and Trans Union Sending letters to request an inaccurate report be taken of my account. Its been over 30 days since I first letters and Ive received no response.