davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-28
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. (LA)

I had a Second Mortgage with XXXX XXXX XXXX. In XX/XX/XXXX I fell behind, not making payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX., XX/XX/XXXX., XX/XX/XXXX. & XX/XX/XXXX. In XX/XX/XXXX I received a call from XXXX XXXX saying that the account had gone into collections. They wanted to know if I could settle the account, of course I didn't have the means. We agreed to a 2 year automatic bank draft commitment. The first payment in XX/XX/XXXX was for {$840.00} ; XX/XX/XXXX {$280.00} ; XX/XX/XXXX {$280.00} starting in XX/XX/XXXXthe payments would drop to the original monthly payment of {$150.00}. After the 2 years were up, I just continued allowing the payments to be withdrawn. In XX/XX/XXXX I contacted XXXX XXXX and stopped the monthly withdrawl because I felt XXXX didnt report the past 4 years correctly. 

At the beginning of XXXX XXXX reported to the credit bureau that the loan was charged off with a date of XX/XX/XXXX, so of course it appears I havent made any payments in over 4 years and the loan was recently charged off. I filed a dispute and they removed the charge off date as well as updated the balance on the loan but they added a closed date of XX/XX/XXXX. Hasnt this loan been closed since XX/XX/XXXX? 

My husbands credit report looks different than mine, his shows the payments for the last 4 years. These payments were made to XXXX XXXX who supposedly doesnt report to the credit bureau. If XXXX is a part of XXXX how could they write off the loan? I made up the 6 month delinquent payments in XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX. I think there are a lot of unanswered questions.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (NY)

I have been using credit karma since XXXX I have been following everything that they have been telling me in order to try to better my credit all they have done is give me false information and false hope, I am a single mother of XXXX in XXXX  full-time I've been in XXXX  since XXXX I have been trying to buy a house for me and my kids since then I have tried to pay off debt their credit karma is that I owed and that once I paid it off my credit score would go up enough tell her I can buy a house they have told me that I could get credit offers and loan offers that I was pre-qualified for I was then denied after applying and then it ruined my credit with the hard inquiries this company lies they dont have correct information every time I try to do anything based off of their information it is all incorrect according to companies I have tried to get loans through whether it be school loans home loan or any type of credit consolidating, I have paid off a lot of debt over the past years and I am still not getting anywhere because I trusted them and the information they were providing to me now I am still stuck without being able to buy a home and with more debt than I started with
Consumer complaint received 2020-11-27
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: Experian Information Solutions Inc. (TX)

I have disputed several accounts from my credit report with XXXX, Experian, and XXXX. I have sent a total of 4 different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter 1 : XX/XX/2020 Letter 2 : XX/XX/2020 Letter 3 : XX/XX/2020 Letter 4 : XX/XX/2020
Consumer complaint received 2019-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a female minority, which is currently being suppressed from achieving the American dream by Transunion. Recently, my rental history along with other changes was added to give a complete accurate account of my credit assessment abilities. Transunion failed to re-score or do a comprehensive risk assessment of my credit history and now their action is obstructing my application for a home and the opportunity to gain the best rates.
Consumer complaint received 2020-11-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed several accounts from my credit report with XXXX, XXXX, and Transunion. I have sent a total of 4 different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter 1 : XX/XX/2020 Letter 2 : XX/XX/2020 Letter 3 : XX/XX/2020 Letter 4 : XX/XX/2020
Consumer complaint received 2015-03-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Associates, Inc. ( PRA ) bought a debt from XXXX XXXX in which XXXX XXXX had already charged off said debt. PRA, after 2 years of attempting to collect on this debt, filed a XXXX to the IRS on me for the year 2014. I disputed this debt many times to PRA by certified mail. I did not at any time have any agreement/contract with PRA nor did I receive any goods or services from PRA. This debt is past the statute of limitations to collect a debt. I filed a complaint with the US Postal service for mail fraud.
Consumer complaint received 2016-03-11
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (IL)

To : Consumer Financial Protection Services From : XXXX XXXX On XXXX/XXXX/2016 I disputed an unauthorized charge made on American Express Serve Prepaid Debit card on XXXX/XXXX/2016 through XXXX and XXXX, the charge was for {$630.00}. I contacted my cardholder as soon as I noticed the charge. I was told the investigation process will take up to 45 days and a provisional credit will be applied to my account in 10 business days until a decision was made. On XXXX/XXXX/2016 I first got an email saying my account was suspended then a few minutes later I got an email saying my claim was denied with no reason behind the decision. I called to find out the reason for the decision and was told I violated the terms and conditions of the account. I spoke with XXXX the same day XXXX/XXXX/2016 and was told that they had n't responded to my card provider yet, and to call back at a later date to find out the status. I called XXXX again XXXX/XXXX/2016 and spoke with a supervisor whom explained that they granted the charge back because the seller was n't cooperating and my money had been sent to my card holder ( American Express Serve ) XXXX/XXXX/2016 I was give the run around and told that my account had been closed and that was it with no explanation. I wrote customer relations but have yet to get a response. It took exactly 10 business days for my card holder to reach a decision and XXXX had n't sent anything to my card holder yet. The chargeback was granted XXXX/XXXX/2016 by XXXX because of lack of cooperation from the seller. I am attaching copies of the email 's sent from American Express Serve. I hope this helps and I could get my money back. Thank you
Consumer complaint received 2024-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Received a letter stating I need to call about a business account I have opened and if I don't they will close my account by XXXX I called now XXXX, XXXX of which I was on hold for XXXX mins to XXXX mins. I am on the phone for my business I work XXXX jobs and can be on hold for almost XXXX hours!
Consumer complaint received 2022-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (FL)

I have contacted SYNCB on behalf of a Lowes credit card, because they are reporting to the credit card agencies saying that I have a balance over {$5800.00}. I sent them letters to have them prove to me that I have singed a contract with them. They told me I was an authorized user on this account I asked them to remove me from this account as a authorized user. I haven't heard anything from them. They purposely have harmed me, cost me higher interest rates and have cost me in POSTAL MAIL RETURN RECEIPT CARDS for proof of mailings. 

This is the POSTAL ARTICLE NUMBER sent to SYNCB asking them to remove me. 
1. ) XXXX
Consumer complaint received 2016-09-27
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK (OH)

There is a fraudulent charge on my credit card account. I first contacted my financial institution, Discover, about the issue on XXXX/XXXX/16. After being transferred numerous times XXXX in the investigations department told us that he opened the claim and that I would receive the credit of the fraudulent amount to my card within three business days. The credit did not show up to my account as promised and on XXXX/XXXX/16 I contacted Discover and explained the conversation and asked if I needed to take additional steps, XXXX in the fraud department could not see that a claim was ever opened. She contacted a supervisor and then told me that she could n't do anything, then attempted to transfer me to someone who could, but hung up on me instead. On XXXX/XXXX/16 I contacted Discover in another attempt to take care of the issue and was told that I needed to fax in the statement because she could n't find it. When I was easily able to pull up that statement on my online account I called back to customer service. XXXX was very helpful, found the charge and then explained to a fraud specialist how to find it. After she transferred me to a specialist, XXXX at XXXX EST, even though he could see the statement he became very rude and told me I needed to fax it to him anyway, even though he admitted to having it right there in front of him. I faxed the statement as requested, and then called back on the XXXX as I was told by the representatives, to have the claim opened. XXXX in the Charge verification department seemed to try very hard to get the issue resolved. He told me that we should never have been asked to fax the statment and was even able to get ahold of XXXX who remembered me and helped him to find the statement. Once he had the statment he asked me a number of questions about the charge, and from there, he attempted to open the claim. He said his system was n't allowing it, but he kept trying and told me " even though I 'm having trouble, if there is fraud on the account we HAVE to open the claim. '' He put me on holds while talking to multiple departments and supervisors that totaled to an hour and a half of my time. Then he came back and told me that he is sorry there is nothing he can do about it and that I should try contacting government agencies about the problem.
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ECMC GROUP, INC. (TX)

I have called XXXX many times after ECMC discharged this issue on the complaint XXXX. Last contact date to XXXX was XX/XX/XXXX. They refuse to remove the late payments and XXXX stated I would have to call the credit bureaus to have it removed. XXXX discharged the fraudulent account on XXXX and then sold the accounts to ECMC in which I had to have this issue discharged with ECMC.ECMC resold it back to XXXX. This issue is bouncing around after I notify them of fraud. Lastly, XXXX new of this matter and they still have the discharge information from when I notified them and left the account on my profile. This matter shows currently open on my XXXX report as well as 120-180 late payments. XXXX has not furnished me a promissory note to show proof of the said debt. I want the late payments removed and the accounts of debt.There are a total of 6 accounts : XXXX XXXX XXXX XXXX XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$7800.00} 120+ Days Late  XXXX XXXX XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$5800.00} 120+ Days Late XXXX XXXX XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$5100.00} 120+ Days Late XXXX XXXX XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$4500.00} 120+ Days Late XXXX XXXX XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$3900.00} 120+ Days Late XXXX XXXX XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$2100.00} 120+ Days Late The account was closed but still, show late payments from my complaint : XXXX. I wish to have it removed along with late payments. 
ECMC {$13000.00} Closed Overview You've paid off -34 % of your student loan amount. 
Balance {$13000.00} Highest Balance {$10000.00} Monthly payment {$0.00} Opened Unknown Term months Payment History Youve made 86 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last payment -- Current Payment Status In Collections/Charge-off Worst Payment Status No Info Account Details Account status Closed Type Education Loan Responsibility Individual Remarks Consumer disputes this account information Collection account Fixed rate Times 30/60/90 days late I mailed the Affidavit of truth and fact notarized on XX/XX/XXXX, copy of drivers license and social security card, the official police report # XXXX , and federal trade commission identity theft report # XXXX. After they deleted it, it appears that they sold the debt to ECMC ( Educational Credit Management Corporation ) Account # : XXXX. I faxed the information to that company on XX/XX/XXXX
Consumer complaint received 2016-08-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

there are debts on my report that have been on my credit report for twenty years. But they are not my debt. XXXX, XXXX, XXXX and other company popping up with different Social Security Number
Consumer complaint received 2016-08-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (OH)

I am a housing counselor. I have helped a client obtain a HAMP modification on their Ocwen loan. It is not a GSA. Mortgage payment is great. But in reading over the permanent loan modification agreement, I noticed a discrepancy as referred to the Principal Balance Deferment. The homeowner owes around $ XXXX on the home, approximately $ XXXX will be the Principal Balance Deferment and remaining balance of over $ XXXX will have interest of 3.25 %. In the Balloon Disclosure, the principal balance deferment was over $ XXXX. When I asked for an explanation, I was told by a supervisor that the additional $ XXXX was interest that Ocwen would have gotten over 40 years on the principal balance of $ XXXX at 3.25 % which they will not collect because the modification has a maturity of 20 years. No where in the loan agreement was it ever mentioned how they came up with this figure. In fact they refer to the figure as " Deferred Principal Balance Due on Maturity '' and show the amount starting and finishing at over $ XXXX. In the loan agreement they also refer to the {$23000.00} as the " New Principal Balance '' which shall be deferred ( Deferred Principal Balance ). In asking why there is not explanation, I was told that they use " generic '' papers and do not have any place to explain what they are doing. In getting this explanation, I had already escalated the call to a supervisor. After the explanation, I submitted something by fax to the " Research Department '' since I wanted something in writing.
Consumer complaint received 2020-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CT)

Hello, my name is " XXXX XXXX '', I have been reporting about inaccurate items over a year. However, the response of the credit bureaus didn't make me feel satisfy. There are still some derogatory accounts that not belong to me and our business. I request investigation on these incorrect accounts that I list below. 
** Name ** _XXXX XXXX This name was spelled incorrectly. My only real name is XXXX XXXX. 
XXXX Address reported** XXXX XXXX XXXX XXXX XXXX , CT    XXXX XXXX XXXX XXXX XXXX , CT XXXX XXXX XXXX XXXX XXXX XXXX , CT XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX , CT XXXX These addresses are incorrect and need to remove off my credit report. Someone intended to put them in their to harm and intervene me from obtaining credit. I have attached my driver license and tax return document as proofs for my accurate name and address. 
**Hard inquiries*** _ XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX These 3 account above are unauthorized inquiries. The information which credit bureaus provided, violated Metro2 Report Compliance by not reporting their contact information, remarks and dispute status. 
XXXX Inquiry : XXXX XXXX, XXXX Unauthorized inquiry and date furnisher has violated " Metro 2 Report Compliance " by not reporting there con contact  information. 
**Collection** XXXX XXXX XXXX Reported : XX/XX/XXXX I never receipt any loans or credit with this company. This collection was added in my credit report. As you may aware of section of 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report. I request the credit bureaus provide me full information of this collection and also proofs that you have followed F.C.R.A lawsuit in the process of adding this collection to my report.
Consumer complaint received 2018-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (OK)

I purchased flowers for my wife on XX/XX/XXXX for delivery on XX/XX/XXXX via the internet for a delivery in XXXX, Ok. on XX/XX/XXXX. I charged {$79.00} to my XXXX XXXX XXXX XXXX XXXX card. These flowers were never delivered to my wife. I contacted the dispute department on XX/XX/XXXX explaining these details to them with a follow up forwarding them the purchase order I printed from the web sight indicating delivery on XX/XX/XXXX. I received a letter from an individual named XXXX XXXX Card member Service, indicating they would not reverse the charges because I didn't cancel the charges or return the merchandise. 

I followed this up with 2 phone calls to XXXX XXXX and a supervisor by the name of XXXX employee # XXXX that their was no merchandise to return because no merchandise was ever received. They refused to reverse the charges. 

My case # with XXXX XXXX is XXXX Please help. 

My name is XXXX XXXX XXXX XXXX XXXX XXXX, Ok. XXXX Phone # XXXX XXXX XXXX
Consumer complaint received 2020-06-20
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. (WA)

Transunion has my credit filed mixed with a different person with the same name and different social security and I keep getting inquiries and accounts on my credit report that are of a different person with a very similar name. I have tried all possible way to fix this error but I have not found success.
Consumer complaint received 2019-02-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: COLLECTIONS UNLIMITED OF TEXAS INC (TX)

I went and saw Dr. XXXX XXXX on XX/XX/2017 and paid him {$270.00} I was not happy with services rendered and I was refunded my money How can they put something in collections when I paid them and they gave my money back this is not right
Consumer complaint received 2017-03-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (GA)

This car loan has been paid in full. It has been in my credit report since XX/XX/2007 and they have refused to remove it from my credit reports. I DO NOT owe them any money whatsoever and the account is showing a XXXX balance and they still have not removed it from my credit report. 
Account Details Last Reported XX/XX/2007 Creditor Name GMFNANCIAL Account Type Auto Account Status Closed Opened Date XX/XX/2007 Closed Date XX/XX/2007 Limit -- Term 61 Months Monthly Payment {$290.00} Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$12000.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/2007 Amount Past Due -- Times 30/60/90 Days Late 0/0/0
Consumer complaint received 2024-03-14
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

They are stating the original balance is {$290.00}. Now its {$300.00}. I have never live at the XXXX on XXXX. I explained this to them that this was fraud and they continue to attempt to collect this debt. Now they have put it on my credit report. I have proof where I was living at the time and also now Im a homeowner. This is not mine and I would like it removed off of my credit report.
Consumer complaint received 2022-08-10
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. (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent this complaint multiple times already that I have been a victim of identity theft but no one seems to care, that I want to dispute specific records in my file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. I have once again attached my FTC complaint and Police Report which I have filed on my local police department to prove to yout that I am a victim of identity theft. Please remove the account : XXXX XXXX XXXX
Consumer complaint received 2015-08-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I am in the loan modification process but at the same time the mortgage lender pursues foreclosure remedies in state court while simultaneously is offering me a mortgage modification ( DOUBLE TRACKING )., This is my house primary residency ( and in Florida, XXXX XXXX JUDGES DO NOT ALLOW CANCELATION OF FORECLOSURE SALE ).