davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have a fraudulent account showing up on my credit report. I dont recognize it nor did I authorize it. I submitted all the proper documents and Transunion is still reporting this fraudulent account on my credit report. 
Name of fraudulent account : USDOE XXXX Account # XXXX Amount {$9500.00}
Consumer complaint received 2021-09-20
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. (AZ)

HELLO, I HAVE SUBMITTED NUMEROUS COMPLAINTS REGARDING INACCURATELY REPORTING PAYMENT INFORMATION REGARDING MY XXXX XXXX  CREDIT CARD ACCOUNT TO XXXX AND TRANSUNION. I HAVE A 30 DAY LATE PAYMENT REPORTING ON XX/XX/2020 AND I WAS NEVER LATE XX/XX/2020. I CONFIRMED WITH XXXX XXXX ON THE PHONE THAT I WAS INFACT NEVER LATE XX/XX/2020 AND FOR BOTH REPORTING AGENCIES THEY ARE SHOWING 30 DAY LATE PAYMENTS. 

XXXX REMOVED THE LATE PAYMENT BUT TRANSUNION AND XXXX HAS NOT.
Consumer complaint received 2020-11-30
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: Exeter Finance, LLC. (TX)

Exeter finance has reported late payments to credit bureau during pandemic. I have reached out and asked constantly to have resolved. Was told it would be removed from my credit report and has not been done. Due to pandemic I was unable to make payments on time. Although they were not on time I still paid best to my ability and have numerous payments ahead of schedule as of now.
Consumer complaint received 2021-09-20
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 (TX)

My wife 's XXXX XXXX account was hacked. Noticed that there was XXXX w/d from her XXXX XXXX that was linked to her debit card and ultimately our checking account. I reported the fraud to Bank of America immediately and my wife reported the fraud to XXXX XXXX right away -- same day. Both parties initiated a " dispute '' but months after, I get notification from both parties that they have denied our claim. We have no idea who the money went to, did not participate in the transaction, did not allow anyone access or use of the XXXX XXXX account and we did not benefit from the transaction. I tried re-opening the case with Bank of America and I was denied. I even provided all the screenshots that requested showing I was working with XXXX XXXX to resolve and listed on my fax to them that this was complete unauthorized fraud. Bank of America and XXXX XXXX still refuse to assist me. This has been going on for months. Bank of America reversed provisional credit on XX/XX/2021 and then closed the case again on XX/XX/2021. Both times they closed it for this reason, which is complete false. 

As you requested, we completed a re-evaluation of your claim. Our research included the information you provided with your claim, your account history and/or the monthly account statements we sent you. We made this decision because : **The charge was authorized by you or by someone who has permission to use the card or account. If we used documents to resolve your claim, we've included them with this letter. If you have additional information to support your claim, we request that you send it to us in the next 10 business days so we may reopen it. 

They will not allow you to reply. You have to call a 877 # that takes an eternity to reach someone. I did once and they asked me to fax proof and I did. Now, I can not reach them by phone as the hold times are so long. 

This dispute began back on XX/XX/2021. I reported the fraud the very day the transactions were trying to come through. We were very prompt and complied with all their requests to resolve. 

XXXX XXXX will not assist and say they are working with our bank. They are not. We attempted to dispute with them also and they do not have anyone you can call. You have to go back and forth for days via email. They are denying the claim without an accurate reason as well and will not assist. 

XXXX was stolen from me via XXXX XXXX in the amounts of ; XXXX, XXXX, XXXX, XXXX, XXXX I need help with this dispute on either company 's behalf.
Consumer complaint received 2021-09-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (AL)

They have 14 different alleged accounts listed on my credit reports Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. 
Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2021-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

Ive contacted the credit burea 4 times in writing with certified mail asking them to provide status on bankruptcy on my credit report. They said XXXX XXXX verified, which XXXX XXXX  does not show any bankruptcy on my credit file. they have lied and said the court house told them I have a bankruptcy, which is a LIE and wrong, because the courthouse sent a letter saying i do not. I sent the burea a copy of my report and they still have done nothing and say its verified. this is costing me thousands in interest rates and denials. I am getting really frustrated by Experian lying about this constantly. 

there is no authorization needed. they have to stop lying and hurting my credit. this is wrong
Consumer complaint received 2019-03-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc. (TX)

On XX/XX/XXXX, a letter was sent via certified mail to Credit systems XXXX XXXX XXXX XXXX, TX XXXX. The letter had an estimated delivery date of XX/XX/XXXX. As of today, XX/XX/XXXX I havent received a response from Credit Systems. 
The Hippa Letter was just asking the collection agency to validate the alleged debt. In the letter I personally requested, the name of the hospital and medical provider with a detailed breakdown of the fees I owe. 
Please help to get a response from Credit systems, they are in violation of the FDCPA for withholding the information from the medical provider after my written request. Since Credit systems can not validate the debt I am requested it be deleted off my credit report.
Consumer complaint received 2021-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

In XXXX, someone used my credit card to purchased something name : XXXX which I did not authorized. I lived in XXXX, Texas and I got hit by the storm, no electricity and water for a week during XXXX. Our pipe were burst, leaking everywhere so I do not have time to check my credit card account. Here are all of the charges : XX/XX/XXXX - {$8.00}, XXXX $ XXXX XXXX {$9.00} XXXX XXXX {$8.00} XXXX XXXX {$43.00} XX/XX/XXXX {$43.00} XX/XX/XXXX {$210.00}, {$130.00} XX/XX/XXXX {$170.00} XX/XX/XXXX {$260.00}, {$860.00} XX/XX/XXXX {$170.00} XX/XX/XXXX {$43.00} XX/XX/XXXX {$520.00} XX/XX/XXXX {$130.00}, {$86.00} XX/XX/XXXX {$430.00} XX/XX/XXXX {$210.00} XX/XX/XXXX {$210.00} XX/XX/XXXX {$390.00}, {$210.00} I spoke to the representative since the credit Chase gave me was reverse. He told me that he submitted for reinvestigate. There are no way I could spend this much of money during pandemic and after the storm for something. XXXX XXXX  representative told me to investigate on my end. I XXXX  and emailed XXXX  to verify but they couldn't verify because I told them I did not authorize. They told me my credit card information are stolen for the purchases. I will attached the email for you guys. They even told me the product of the scam was some kind of game. I need your help. I do not event have the much of money in my account to pay for it, why would i done something like this to go to debt and hurt my credit score.
Consumer complaint received 2021-04-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paramount Recovery Systems, L.P. (TX)

So my debt was transferred from XXXX to pallino asset management. At that time back in XXXX I worked out a deal with them to pay the debt. {$890.00} was owed and I paid some thing like XXXX. The debt was cleared and everything was fine. Almost 2 years later in XX/XX/XXXX I received a letter from Paramount recovery systems saying I owe {$890.00}, the same amount that XXXX XXXX XXXX said I owed. When I contacted Paramount recovery systems they said I needed proof from XXXX XXXX XXXX that the debt was paid if I were to have it removed from XXXX XXXX because they said XXXX transferred it over to them. No matter what time of day what day of week or anything I called, I wait on hold and then it goes to voicemail. No one answers ever but it also says they are open. No one calls you back, nothing. If you XXXX them, every review on there also says they are always closed. How am I supposed to get record of my payment if you cant get anyone on the phone ever? Its absolutely absurd that the CFPB would allow a company like this be in business if consumers issues are not addressed. This has caused damage to my credit.
Consumer complaint received 2019-11-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE (TN)

This is perhaps not the correct venue but I do not know where else to address this matter. I am currently required to pay PMI and have petitioned to have it removed from my current mortgage. The response that I received from The Money Source , the current mortgage holder, that I did not have enough equity in the property was a bit surprising as when the house was appraised by XXXX XXXX XXXX, the previous mortgage holder, was for {$320000.00}. The balance is now ~ {$240000.00}. If my math is correct, this " equity '' should release me from the monthly PMI payment. However, I have been informed that since my mortgage was sold to The Money Source, my realized equity was erased essentially and started all over. If this is reality, then every time I reach a point of 80 % my mortgage will be resold and I will be required to pay PMI for the entirety of the 30 years regardless of equity realized. 
This has the appearance of mortgage companies assuring PMI payment collection and fixing the market against consumers in my opinion.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (GA)

XXXX Credit Bureau has been preventing me from filing online disputes for the past six months. I will go to this website, XXXX XXXX XXXX, and log in, just to not be able to file a dispute online and attach supporting documents to each collection account that doesn't belong to me. When I call their dispute department at XXXX, the customer service agents will not listen to me, nor type in the reasoning for my disputes that I'm forced to make over the phone, thus providing inaccurate information on my XXXX Credit file. My rights have been stripped from me from properly filing my own disputes correctly and accurately. And because of that, I have to call their dispute department, and the dispute is NEVER filed correctly sometime the customer service agent will lie and won't file the dispute that I requested at all. This has been going on for over six months and I want the XXXX Credit Bureau to be held accountable for their actions in denying me my rights to file an online dispute, purposely filing inaccurate information, and failing to file my requested disputes over the phone, per the Fair Credit Bureau Act. Please see the supporting attached documents showing that I have not been given access to file a dispute online, and I've called in several times complaining about my phone disputes not being filed correctly and some weren't filed at all but lied to about it. File # 's XXXX, XXXX, just to name a few.
Consumer complaint received 2021-08-16
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (GA)

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. All 3 credit did not respond to my right as a consumer and I feel that they Violation my right.
Consumer complaint received 2021-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Between XX/XX/XXXX and XX/XX/XXXX, XXXX charges were made to my credit card for a total of XXXX during the first week in XXXX, I realized this was happening and immediately contacted Bank of America XXXX BOA issued me temporary credit on the account and said they would investigate. All fraudulent charges were made in Connecticut and Rhode Island. I reside in New Jersey. On XX/XX/XXXX, I received 2 letters from BOA. One letter stated that two of the charges totaling XXXX were being credited since the merchants agreed to reverse the charges. The next letter stated that the remainder of the claims were being denied because it was determined that the card was used for the purchases bases on one or all of the following reasons : the chip was read, my PIN was entered, and/or I signed for the merchandise or service, which indicates I or someone I allowed to use my card was present. At this time, my account was re-charged for the purchases. When I made the claim, I told BOA that both my wife and I had our cards in our possession and we did not give our cards to anyone else to use. I also told them that I did not even have a PIN for the card and have never used a PIN for any purchases. Also, that if a signature was used, it would clearly show that it does not match mine. In addition, I stated that this card has always been used only for groceries and gas purchases, which could be confirmed by looking at the purchase history ( none of the fraudulent charges were for either one of these categories ). After I received the letter, I went to my local BOA branch where I have banked for over 25 years and am a platinum reward member. I have several accounts at the bank and their Merrill Lynch division totaling over XXXX. The rep called the credit card decision and asked to reopen the claim. I then went to the XXXX XXXX police dept and filed a report regarding this theft. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX, that stated the bank was unable to approve the fraud claims totaling XXXX because it was determined that while I did not personally make the charges, they confirmed they were made by an authorized user on the account or someone who has permission to use the card. I have no idea how they determined that I gave someone permission to use my card, since this is not the case.
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

On two consecutive days, XX/XX/XXXX and XX/XX/XXXX ( 2017 ), I tried using the TransUnion online and then the TransUnion phone response systems to freeze my credit. After correctly inputting my personal identification online, TransUnion could not " confirm my identity '' and directed me to use its automated phone system. I tried using the phone system but I got cut off after the outgoing message stated it could not confirm my identity. I correctly answered the questions. As indicated, I went through the process twice. I called TransUnion, waited 35 minutes, and spoke to a representative. She acknowledged that yes, I might get cutoff but I had to use a different TransUnion number. She gave me the number and transferred me to the number - XXXX. I got cutoff after I was transferred and again after I dialed the number directly.
Consumer complaint received 2021-04-03
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: Source Receivables Management LLC (IL)

I have been subscribing to various credit monitoring services for quite some time now due to fraudulent activity. Today, I received a notification from XXXX XXXX that a new collections account was placed on my credit with XXXX. Though it is not currently showing up on the other two ( 2 ) bureaus, it is unknown whether this creditor intends to report to the other bureaus as well. I was never contacted by XXXX XXXX  prior to this account being placed on my credit. Had they of contacted me, I would have provided them with the FTC Identity Theft report that was previously filed including this account. Previously, the only information I had was that there was a credit inquiry from XXXX. This is the first I have been made aware that an actual account had been established. This creditor has violated the FCRA by placing this account on my credit report without first giving me the opportunity to dispute the debt as allowed by law.
Consumer complaint received 2019-11-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (PA)

We had this loan since XXXX and never missed a payment until 2 years ago they repossessed it. We paid all the fees and got it back. we were good until this past year when I lost my job. I did get another job and tried to make payments and the bank has already charged off the vehicle and never told us. They have been calling us and trying to work a deal out as the lowest they would go was $ XXXX. They wanted 4 payments of {$1600.00} each, something like that and there is no way we could do that. They are now going to repossess the vehicle and give both me and my daughter because I was a co-signer a 1099-C. I understand the concept as credit cards do that, but how can they give us both a 1099-C? That is over {$16000.00} between the both of us. We owe {$8300.00} and we have tried everything, sell it, auction it, trade with dealer. No one will give us not even {$2000.00}. The dealer will only give us {$1500.00} and that was 3 dealers. I can not get the car inspected, it needs so much work and I am afraid to put the money into it and then they take it. All these months I could have been making payments I could have afforded which was $ XXXX/month. could not because it is charged off already back in XX/XX/XXXX or sooner. Not sure exactly when. The interest rate is 16.99 % and they have made their money 10 times over. What can I do? I want it fair and legal. We do not get statements anymore for a long time so I do not have full account number.
Consumer complaint received 2015-06-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

FIFTH THIRD BANK HAS TELEPHONED ME TO INFORM ME THEY HAVE BEGUN FORECLOSURE PROCEEDINGS. I HAVE NEVER MISSED A PYMT OR BEEN LATE. THEY CLAIM I AM IN DEFAULT BECAUSE I ADDED MY MOTHER TO THE DEED OF MY HOUSE AND ALSO BECAUSE I FILED BANKRUPTCY IN XXXX AND DIDNT RENEW MY LOAN. 
THEY ARE DOING THIS BECAUSE I CALLED THEM AND INFORMED THEM THAT I BELIEVE THERE IS A MISTAKE SOMEWHERE. I INFORMED BANK THAT MY CURRENT STMT SHOWS I STILL OWE $ XXXX AND ITS SUPPOSED TO BE PAID OFF IN XXXX XXXX. THEY STATED I HAVE A TERM LOAN WITH A BALLOON PAYMENT BUT THEY LEFT OFF THE AMOUNT. THAT IS COMPLETELY NOT TRUE. I WAS SUPPOSE TO GET AN XXXX YEAR LOAN WITH FIXED RATE. NO WHERE ON MY LOAN DOCUMENTS DOES IT SAY I HAVE A BALLOON. IT STATES I HAVE A PREPAYMENT PENALTY ... THAT WAS CLEAR. MY PAYMENT TERMS ARE : FIXED RATE 8.44 %, DUE XXXX/XXXX/XXXX. THIS IS STATED ON ALL MY DOCUMENTS ... THE PYMT AMOUNT, INTEREST, THE NUMBER F MONTHS XXXX ... BUT NO WHERE DO I OWE ADDITIONAL MONIES. BANK CLAIMS I OWE THEM SOME UNDISCLOSED AMOUNT PROBABLY XXXX XXXX. SO THEY WANT ME TO REFINANCE IMMEDIATELY AND CHARGE ME A PREPENALTY FEE BECAUSE THEY WANT TO FORECLOSE. THE MADE A TERRIBLE MISTAKE SOMEWHERE AND WHEN I BROUGHT IT TO THEIR ATTENTION THEY WANT ME TO GET THEM MONEY I DONT HAVE OR THEY TAK E MY RESIDENCE. THIS IS UNFAIR, DECEPTIVE AND UNETHICAL. BALLOON PAYMENTS ARE A MATERIAL ITEM THAT SHOULD HAVE BEEN DISCLOSED TO ME. IT IS NOWHERE. IT WASNT MEANT TO BE A BALLOON THAT WHY THEY CANT FIND IT, BUT THEY WANT XXXX TODAY. IN FACT, THE MOST RECENT PHONE CALL THEY INFORMED ME THAT UNLESS I TELL THEM WHERE THE MONEY IS COMING FROM, THEY WILL PROCEED WITH FORECLOSURE AND APPRAISALS, ETC. OF COURSE, FEW DAYS LATER, AN APPRAISAL CAME IN. FIFTH THIRD BANK IS TAKING NO RESPONSIBIITY AND IN FACT IS TRIYING TO RUN ME OUT OF MY RESIDENCE BY SENDING ME LETTERS FROM LAWYERS AND CALLING ME WITH THREATS. I HAVE CONTACTED SEVERAL OF THE BRANCHES AND THEY ALL SEEM TO HAVE THEIR HANDS TIED. I GUESS THE BANKER IM SPEAKING WITH IS LIKE A XXXX. NO ONE CAN GET PAST HER. I HAVE BEEN TOLD THAT THEY WILL STOP ACCEPTING MY PAYMENTS. NOW THAT WORRIES ME ... BECAUSE MY PAYMENT MADE ON XXXX/XXXX/XXXX STILL HASNT CLEARED ... ITS XXXX. AND WHEN I CALLED FIFTH THIRD BANK THEY DONT KNOW WHY .... SO I GUESS THIS IS THE BEGINNING OF THE FORECLOSURE. THIS DOESNT SEEM POSSIBLE, AS I NEVER MISSED A PAYMENT ... THIS IS A COVER UP.. LASTLY, WHEN I WENT TO ANOTHER FIFTH THIRD BANK ... THEY TOLD ME I WASNT IN DEFAULT JUST ADDING MY MOTHER TO THE DEED, IT IS BECAUSE I FILED BANKRUPTCY IN XXXX AND DIDNT RENEW MY LOAN? ARE THEY KIDDING? THEY ACCEPTED MY PAYMENTS NOW FOR OVER XXXX YEARS SINCE MY BANKRUPTCY. I HAVE BEEN TRAUMATIZED BY FIFTH THIRD BANK AND THE THREATS OF FORECLOSRE. I DONT WANT TO LOSE MY HOME.