davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am unaware of the inquiries your company listed on my credit file. I have attached a letter in the file section below along with pictures showing the inquiries. It came to my attention that your company is reporting inaccurate errors on my credit file. I am in distress and I feel violated as a consumer that your company is reporting such information in my credit without me knowing this was going on. Pleas read letter in the files section. 

Sincerely XXXX XXXX
Consumer complaint received 2019-06-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (NV)

XX/XX/XXXX I signed up for a XXXX account. It showed " Ad Astra Recovery Servic '' twice under collections for a total of {$260.00}. I sent this company a written notice because I've never signed a contract with them or the original creditor. My credit should've been blank ( considering I've never used it ). Please remove this account from my credit report as soon as possible. It is not XX/XX/2019 and I've not received a response from the company regarding it. 

Thank you and XXXX Bless
Consumer complaint received 2018-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (SC)

XX/XX/XXXX at XXXX I called XXXX XXXX to f gain access to my account due to recent fraudulent activities. After confirming and verifying my personal information, including full social security number, they told me that they couldn't help me gain access until I provide my full name, address, dob, user id for which I did. They then sent me an email which I verified as well. He tells me it takes 24 hours to verify who I am and I explain I need access to the account and I can't get into it. I request management if he can't access give me a manager who can and they transfer me to another supervisor. They advise there are no managers and they don't have an escalation process. They forward me to another supervisor who tells me that they don't have managers. I insist on management and escalation and they forward me to an additional supervisor who reports to me that their manager is home putting his children to bed. I insist on speaking with a manager, they transfer me to yet another supervisor. I'm close to two hours requesting management to access my financial account and they advised me that I can stay on hold till tomorrow but I will not get a management. They have refused management and have no access to my financial information and they refuse to close the account due to this treatment.
Consumer complaint received 2017-12-18
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: EQUIFAX, INC. (FL)

I am unaware of the inquiries your company listed on my credit file. I have attached a letter in the file section below along with pictures showing the inquiries. It came to my attention that your company is reporting inaccurate errors on my credit file. I am in distress and I feel violated as a consumer that your company is reporting such information in my credit without me knowing this was going on. Pleas read letter in the files section. 

Sincerely XXXX XXXX
Consumer complaint received 2021-02-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Credit Services Inc. (MD)

I received notification from XXXX XXXX XXXX in XX/XX/2020, that effective XX/XX/2020 XXXX XXXX would cease operations. On XX/XX/2020, I went to XXXX XXXX XXXX to cancel my membership. When I arrived at the gym I saw that the gym was closed and I saw moving people inside packing up all of the equipment. I then called and no one answered the phone. Then I went online to their website and discovered the site was shut down. 

Since my membership was month to month, and I was unable to speak to anyone I contacted my bank to stop all payments to the gym. Then on XX/XX/2020, I received from First Credit Services , Inc notification that my account has been placed in collections. I tried on 5 different occasions to speak to someone. Every time I called I requested to speak to someone in XXXX ( I am English challenged in speaking ). Every time I was told someone would return my call to assist me. I have yet to receive a phone call from them. 

I dispute this claim on the following bases. 
1. I attempted to cancel my membership and was unable to due to the closure of the business.

2 My membership was month to month with no long term contract.

3. I have attempted to reach out to the collection company and they have not been helpful in any way.
Consumer complaint received 2018-07-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (NJ)

XX/XX/18, received a collection notice from IC System stating I owe {$720.00} to XXXX XXXX XXXX XXXX, a company I haven't had an account with for two years. I called XXXX and they confirmed that I voluntarily canceled my account and my last statement when I canceled was for - {$0.00}. They confirmed that I do not owe them any debt.
Consumer complaint received 2021-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (FL)

GM Financial keeps reporting my payments as 30 days late, and this makes my credit score decline. I have tried calling and talking with them, but all they say is that they have reported it as current. I ask to speak with a manager and they never let me talk with one, all they keep saying is that it has been marked current and I'm still flagged as 30 days late. My payment is due on the XXXX of every month and I have never been late.
Consumer complaint received 2018-07-26
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. (GA)

On the date of XX/XX/XXXX I moved out of an apartment not oweing anything, in transformation, my name were removed from the least, my cousin remained and now the complex is saying I owe {$1500.00} from XX/XX/XXXX
Consumer complaint received 2018-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NY)

Re : Loan # : XXXX re : " Missed payment '' letter Dear Ditech, You mailed a letter to my attention regarding a missed payment due XX/XX/2018. 
You are receiving automatic bank payments : *you received payment of {$3800.00} on XX/XX/18 confirmation # : XXXX This is not the first time Ditech is engaged in cashing payments and assessing late fees. 

Please correct your records. 

In the event Ditech will assess a late fee on this payment, I would have no other choice but to contact XXXX XXXX of NY pertaining to improper billing practices.
Consumer complaint received 2021-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Many years ago I had a cook two cards with Capital One and one with XXXX  and each of those cards I was able to negotiate a pay for a deletion where I paid the account in full and they promised me that they were going to delete those accounts from my credit report and both of those companies have since reneged on the deal and they tricked me and manipulated me into paying these balances that I did not believe were mine in the first place in order to remove them from my credit report which are they went and they sent me a letter saying that it you know it was going to be deleted and I since have sent them this letter and I have not been able to remove these accounts from my credit reports are they have in my opinion in a committed negligence fraud and I would like to take legal action and sue them for all the violations that they made in these instances and him as I told them when I have calls are at least 10 times I have tried to dispute both of these are items so all three of these items are over 10 times with the bureaus and Ive been unsuccessful in each attempt and I have provided documentation to prove my case and these are for accounts that are paid in full and like I said they promised to delete them so they have reneged on their word and now they are costing me thousands and thousands in as they ruin my credit and I want them deleted immediately if they are not deleted in 30 days from this complaint I am going to pursue legal arbitration and Im going to take this up with the courts because Im done with this this is my last attempt to get a delete it if they dont delete it Im taking legal action 1000 % so thats it
Consumer complaint received 2018-07-26
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: SYNCHRONY FINANCIAL (IL)

Upon dispute with Syncrony bank acct # XXXX due to identity theft Syncrony bank have failed to provide me with proper verification of any sort. not only have they failed to provide me with proper physical contracts bearing proof of signature and payments they have also reported different balances and dates of last payments to each credit reporting agencies XXXX, XXXX and XXXX. this is very harmful and suspicious for a company with such reputation. i've attached the different inaccuracies and again a letter with information I wish to be verified and copy of my local police report for deceptive practices. this account does not belong to me. all accounts on my credit file has been paid with great integrity to revive my good credit history. i ask that this negative rating be deleted from my credit file upon their 90 day investigation as written. its unfair to me as a consumer.
Consumer complaint received 2021-01-29
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. (SC)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will file an FTC and CFPB ASAP!
Consumer complaint received 2017-12-18
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. (GA)

Re : Account Number To whom it may concern : I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records i am unable to find any documentations of any contractual relationship between name of company and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim against me. In the event you continue your collection without any proof of contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract you must cease and dismissed any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney without providing proof of contract, he will be immediately reported to the state bar association and professional liability found for code of ethics violations. I have attached a letter in the file section along with photos of the inaccurate accounts that you have been reporting for many years and up to date. I will be following up within the next couple days to week to solve this matter immediately. 

Sincerely XXXX XXXX
Consumer complaint received 2018-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

When the XXXX XXXX XXXX XXXX banned XXXX XXXX XXXX from doing business for a few years and fined them for, basically, stealing, they transferred my mortgage ( which they'd had since 1997 ) to Rushmore Loan Management Services LLC. I've never been late on a payment, so I asked Rushmore why all their correspondence, statements, etc. state they're from a debt collector ( the mandated usual notices ) and was advised that it was " just a legal requirement '' which doesn't really answer my question : how can I be turned over to a " debt collector '' for servicing when I was never in default nor asked for loan modification? XXXX XXXX XXXX should probably be the one answering this question, not Rushmore. Thank you!
Consumer complaint received 2022-04-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

My card number was stolen and used for several purchases for XXXX which is a service that I do not use. When I informed bank of America about these charges the lady informed me that there was a gross amount charged to may account in the last month for around XXXX. she then informed me that I would receive that money back to my account in 10 business days. The charges occurred XX/XX/2022 up to XX/XX/2022 for amounts ranging from {$25.00} to {$44.00}. I have been with Bank of America for years and if they would have check my prior history they would know I would never utilize any funds to order something like XXXX XXXX. The fact that they would not even help in getting this taken care of is abhorrent. I will no longer be a client at bank of america.
Consumer complaint received 2018-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have repeatedly requested and/or demanded that TransUnion XXXX remove the following fraudulent credit inquiries from my credit report : 1 ) XXXX - Date of Inquiry : XX/XX/2017 2 ) XXXX - Date of Inquiry : XX/XX/2017 3 ) XXXX XXXX - Date of Inquiries : XX/XX/XXXX & XX/XX/2017 The inquiries listed above were provided without my knowledge or consent. They are fraudulent attempts at gaining access to my credit report. I have attempted to contact the credit reporting agency via their online dispute system and via certified mail, and they refuse to remove these fraudulent inquiries. I have added a fraud alert on all three of my credit bureaus, I have followed up and have not received a satisfactory response or any response at all within the time allotted by law.
Consumer complaint received 2018-07-26
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. (CO)

I traded a vehicle with XXXX XXXX back in early XX/XX/XXXX and it took over 2 months for then to payoff the vehicle with XXXX XXXX causing my credit report to reflect my account being 3 payments late and a drop in my credit score.
Consumer complaint received 2018-04-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

In XX/XX/XXXX, XXXX XXXX XXXX paid my back property taxes of XXXX. The mortgage on my home is XXXX and XXXX for current property tax and XXXX for back property taxes owed. I have been paying a total of XXXX until XX/XX/XXXX. I filed against XXXX XXXX XXXX XXXX in XX/XX/XXXX. Now that Ditech Financial LLC bought Green Tree the company has fraudulently purchased unnecessary hazard insurance even though I sent them proof of insurance. I contacted them to notify them that those funds fraudulently used for hazard insurance was for taxes. So, XX/XX/XXXX Ditech paid my insurance company in full without my permission. Ditech is now stating Im in default and has returned returned 3 mortgage payments.
Consumer complaint received 2021-07-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation (TX)

United Revenue Corp is reporting 2 bills on my credit reports for a medical bill I am unaware of. I have asked them and all the bureaus to verify this debt! Sent letters certified in XXXX and XXXX and have yet to receive itemized bill or signature where I agreed to pay this bill.
Consumer complaint received 2018-07-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (IL)

To Whom It May Concern, I am writing as a very aggravated and displeased customer! I have an acct with your company that was placed on hold without my knowledge! Only to find out while attempting to purchase gas and was declined! I called a total of 3 or 4 Times lastnight with each calling an average of 45 mins to an hour hold with many complications when asking to speak with a supervisor! My thoughts are that you are a cold hearted company with no regards to your customer! How could you be comfortable with placing a custom on hold for that long of a time knowing she advised she was stranded at the gas station with no gas and questioning the reason for the decline of my card! If you felt there was a security concern or issue why would you not reach out to your customer before restricting there acct and them being embarrassed with a decline! I will also be reaching out to the Federal Commissioner office because this type of service is very unprofessional, unwanted, and unappreciated! Please reach out to me so transfer my money {$410.00} by XXXX XXXX and cancelling this acct!
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

My dispute is with the company Equifax they removed an collection off my account XX/XX/2021 it was then reinserted on my credit report on XX/XX/2021 I know this because I saw this on credit karma. I have contacted this company by phone on XXXX and XX/XX/2021. Nothing has been done they have closed it out each time within 24hrs no investigation. I was never notified of this reinsertion in writing within 5 business days under FCRA 611 ( a ) ( 5 ) ( b ) ( ii ). Not only that but it was over the 45 day time frame for this to be reinserted back on my report. I would like this account deleted ASAP.
Consumer complaint received 2018-07-26
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 (NY)

Hi, I have been called American Express reward card service to add 2 additional card holders in mid XX/XX/2018. I have been informed that upon adding them via phone I will be getting the card for them and XXXX points for each card holders. I have been provided personal information of my parents including passport numbers. After several weeks the cards did not arrived and I called back. I have been told that there was no audit trail of my request and this was confirmed also after an additional investigation. None apologise or try to solve the issue. It is so scaring that I have provided Amex with personal information and none recorded the call or the request. I am really scared. this is not the way my data or the data of my parents should be used.
Consumer complaint received 2018-07-26
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or went to a wrong address.
Consumer complaint received 2018-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 - 30-DAY LATE PAYMENT XX/XX/2018 - 60-DAY LATE PAYMENT XX/XX/2018 - 90-DAY LATE PAYMENT XX/XX/2018 - 120-DAY LATE PAYMENT I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2018-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2018-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Mitsubishi Motors North America, Inc. (GA)

Mitsubishi Motors Credit of America Account number - XXXX Date Open - XX/XX/XXXX High Credit - {$27000.00} Date of last Act - XX/XX/XXXX Status - Account sold / transfer After sending notice to ALL three credit reporting agencies : XXXX, XXXX and XXXX - the account were remove due to the S.E.V.E.N year information reporting time that was under this particular account. Just recently, I FOUND OUT THAT MY INFORMATION WAS SOLD AND ANOTHER AGENCY has once again reported my information back on ALL three credit reporting agencies. This was off and completely off starting back in XX/XX/XXXX. After the security wrong doing of my information along with thousands and millions of others