davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have requested on 3 different occasions to have account deleted from my credit profile. The credit bureau continues to report item despite inaccurate information. XXXX XXXX was never authorized to obtain credit file or insert items to credit file under any circumstances.
Consumer complaint received 2017-05-23
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: DriveTime (GA)

I have a XXXX XXXX XXXX with XXXX they told me that the car is worth XXXX my payments is XXXX a month. On the paperwork they did n't have it on there. But yet I signed it and I know that 's a lie. I am on XXXX and the car never really work cause it either stops on me or major fixes on the vehicle since I had the car. I lost XXXX permanent jobs, and constantly temp jobs cause they car leaves me stranded and temp jobs over this problem. They 're scammer in the drivetime sites to get a sale and do not help you. Now that I lost jobs due to the car they want to harass me with phone calls and that 's not right! At first I gave a XXXX XXXX cause it was XXXX and then they talked me into leaving with another car and this car has been failing on me as well. I now put a throttle body in this car, alternator, surpertine belt, 2 new batteries, crankshaft positioning sensor. I now been stranded on the road multiple times and it 's not right. This is my only you means of transportation. All this happened way under a year. Why my bills have to suffer cause of this car and gave to make a decision to pay rent, water and gas, electricity and what I can when I can to get things fixed on this car. This is why Americanshe is poor and ca n't pay bills ... no reliable transportation to work, and the transportation they do have failed in them 70 to 85 % of the time so you have to remain in a lower situation in life just for major companies to live and eat good. DriveTime when they call you they 're nasty, you call them they 're nasty. They do n't do anything for anyone
Consumer complaint received 2022-02-13
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. (AZ)

I was made aware that an account was opened using my name in 2019 for XXXX XXXX XXXX. This account was opened using a NY address despite the fact that I was living in Arizona, and have the supporting documents to prove it. 

I don't understand why it is so difficult for them to see that a college student at the time could not possibly be paying for services in a state I did not reside. 

Having this inaccuracy on my file is getting in the way of my life, and so I am writing to you today in hopes that you will help me move forward with all of this. 

Regards, XXXX XXXX
Consumer complaint received 2016-09-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have previously dispute a collection account on my credit report from XXXX XXXX XXXX back in XXXX XXXX now is XXXX XXXX so it 's been past 30 days I call Trans Union XXXX number talk to representative and she had me on hold and came back every 10 minutes to say they 're still processing, with no answer, unacceptable I have a copy that I screenshot the email that I got from them that they initiated a dispute back in XXXX XXXX.
Consumer complaint received 2016-07-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have filed multiple disputes regarding information regarding XXXX XXXX XXXX, XXXX XXXX and Auto Credit and that is reporting on my credit report and Transunion has failed to provide any verification that the information was correct, the damaging information remain on my credit report. I have contacted the creditors as well as Transunion to correct the information without success. I do not feel that Transunion is investigating the disputes. I feel this is unfair treatment and dishonest treatment in regards to customer service. This appears to be a problem with ALL XXXX credit reporting agencies.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (GA)

I have asked for a signed copy of the lease agreement from XXXX XXXX XXXXXXXX, XXXX XXXX and National Credit Systems. All have stated they do not have the original lease. They also do not state the terms of any agreement explaining the charges. I have asked for this information, but all parties have refused to provide the terms of any agreement or how the charges were justified and under what terms outlining the costs they are saying that it is owed for. Under the terms of my original lease, which ended on a different apartment than they are stating I owe for, the terms for how I will be charged for breaking that lease were outlined in my lease agreement which begin in XX/XX/2019. For example, I would be charged an additional month of rent to end my lease early or without notice in apartment XXXX as agreed to by the property management company and I. My original apartment lease was for XX/XX/2019 in apartment XXXX. I chose not to renew this lease. The company is saying I also agreed to be charged for breaking a lease for apartment XXXX and are pursuing charges they say are outlined in a XX/XX/2019 lease agreement for a renewal. I've stated multiple times I had no lease to renew and I asked for them to outline the terms for how fees would be calculated to justify the charges that were agreed to for the XXXX lease they are alledging i have broken and they've refused to do so and have admitted that they have no lease with my name for the apartment they ( XXXX XXXX, XXXX XXXX XXXXXXXX and National Credit Systems ) are stating I owe money for. XXXX XXXX, XXXX XXXX XXXXXXXX Property Manager, has specifically stated she does not have a original lease agreement for XXXX and that the lease is with the previous property management company, XXXX XXXX XXXX. She also admits that she has not seen such lease, but assumed my account should be sent to collections because she thought there was one with my name on it. When I told XXXX I did not have a lease, she told me she will not correct her error. I was also told by XXXX XXXX XXXX management and staff that further attempts to retrieve information from them directly regarding the lease they do not have will be met with a lawsuit.
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

There is a collection tied to a fraudulent account on my credit report and it must be removed immediately! The collection is from XXXX XXXX  -- the collection agency is XXXX XXXX and the collection was opened XX/XX/2021. I have attached my Identity Theft Report and my identification. You must remove this or I will be suing all parties.
Consumer complaint received 2016-05-06
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion refused to give me my free credit report. They claimed I had already received one in the previous 12 months. I have " requested '' it - first online - then by certified mail - with a letter explaining I had NOT received their credit report and if they HAD issued one in the previous year it would indicate identity theft. Still they refused and mailed me letter saying I could receive my credit report if I pay the amount of {$11.00}. I did receive my free credit reports from XXXX and XXXX no problem.
Consumer complaint received 2016-10-12
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Jonathan Neil & Associates, Inc (NY)

a ) The company that the firm represents had already collected via my insurer b ) Company have no license to collect a debt in this particular jurisdiction, nor any cause of action in any jurisdiction. It employs a scare tactic form letter. I have a XXXX and have practiced in the field and am familiar with laws and regulations, but I 'm in the minority. 

c ) Representative refuse to acknowledge the aforementioned and made an ad XXXX remark against my mother, not a party. 

d ) Representative attempted and failed at bullying me into paying a debt without a chance for me to adequately explain and when I turn up the volume, he hangs up.
Consumer complaint received 2015-12-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIRST CITIZENS BANCSHARES, INC. (AL)

Currently I have no way of viewing my Checking account online or view my Statements because I have my statements done electronically. I called the ban today to find out why I can not view my checking account online and they referenced XXXX. When I called this number the number referenced XXXX. I have no way of finding out how much the bank actually put me in debt on the XXXX of XXXX due to a bank error in their online banking. This error cause my bills to be paid out double and created an over draft. When I identified the issue I ensured I contacted the bank and emailed the bank. In XXXX 2015 I was identified by the XXXX as a possible target of Identity theft and cyber threat. The day after being notified by my Chain of Command I was a victim of identity theft through XXXX ( Military Credit Card ). This is the card I used to make a transaction to a Company that was hacked. After notification I notified First Citizens Bank to my best abilities without violating any XXXX Policies. They put a freeze on my account, and later I found out after they lifted the freeze that a new account was established and a debit card was issued to the wrong account, and I could no longer use my checks. After this issue was cleared with the bank, I ran into the issue of the double payments. Now I have done my best to reverse all the double payments but now the bank has closed my account and I have no way of seeing any statements or know how much is left to pay. This was a bank error on First Citizens part and I am paying for the bank error. Also transfer fees from bank to bank. I have requested a letter from the bank to myself, for First Citizens to identify the issue that occurred, however they have yet to respond to my request via the internet or online services. I have been diligently trying to correspond via email with First Citizens Bank. The difference that is owed should not exceed about or an estimated XXXX dollars. When I spoke with XXXX the Branch advisor she told me to ignore the letters that were coming in the mail that I would have enough time to adjust reverse payments and also transfer money into the account. I explained that I would no longer be banking with First Citizens Bank because this was a huge error on their part and they did not want write a letter clarifying the issues.
Consumer complaint received 2017-04-29
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 (CA)

On  X/X/17   , I paid for a meal at the restaurant,   XXXX   XXXX  , in the amount of {$790.00} located in the  XXXX   XXXX ,  XXXX   XXXX . I specifically used the   XXXX   XXXX   XXXX    American Express  card to pay for this meal based on its  10X M embership Rewards for restaurant purchases. When I received my statement, I learned that the charge was coded as " lodging '' instead of " restaurant '' and so I did not receive my anticipated bonus Membership Rewards,  10X  the amount of the charge, from  American Express,  but instead just the  1X M embership Rewards.     I called  American Express in  an attempt to amicably resolve the Membership Rewards discrepancy and was prepared to furnish copies of the restaurant receipt to verify that it was a restaurant charge and not a lodging charge. I was informed by  American Express  that they will be unable to correct the discrepancy and therefore I would not receive the bonus Membership Rewards because the restaurant,   XXXX   XXXX  , coded the charge as lodging. I was also told it was my responsibility to verify with the restaurant beforehand that the charge would code properly under the restaurant category on my credit card statement. This prerequisite is not listed under their   XXXX   XXXX   XXXX   Membership Rewards promotional terms.
Consumer complaint received 2017-01-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have XXXX paid tax liens and a judgment on my Transunion and XXXX that are still showing when XXXX deleted them. I would like them removed from my Transunion and XXXX report as well for consistency in my credit reports.
Consumer complaint received 2024-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/2024, I noticed suspicious unauthorized activity involving my checking and retirement accounts. I promptly informed both Merrill and Bank of America. After numerous calls ( over 10 hours ) since the incident, Merrill still refuses to release the funds in the checking account ( {$5100.00} ) because they have a restriction on that checking account. A savings account of {$.00} also has a similar restriction. 
On XX/XX/2024, again via numerous calls, Bank of America told me to go to an onsite location in order to have the funds in the restricted checking account transferred to a checking account with no such restrictions. I went that same day and the onsite representative spent about an hour and half on 4 phone calls. The end result was the same. Merrill wealth refusing to remove the restriction or allow me to move the funds to the desired account ( or anything else ). Merrill wealth has also refused to provide any timeline, information, or direct dial regarding this matter. 
During the period of XXXX XXXX XXXX  and onward, I have spoken to other banks and custodians who stated they would have resolved the matter in a week or less because I promptly notified the bank of the suspicious activity ( while it was processing ).
Consumer complaint received 2020-09-11
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3400.00}, {$5800.00}, {$15000.00}, {$21000.00}, {$0.00}, {$1000.00}, {$11000.00}, {$0.00}, {$29000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account. 

XXXX. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 

XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 

5. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- XXXX XXXX 7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account.
Consumer complaint received 2016-02-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NY)

Experian refuses to delete a paid judgment. I sent them the document stating that the judgment has been satisfied, and according to NYS 5 year rule, it should be off my report. Experian told CFPB, that the judgment is not on my report, but that is a LIE, it is still on there and still marked as unpaid. This is my second complaint to CFPB, if Experian does not remove this judgment I have no choice but to sue. The judgment is paid, I sent them the paper that shows it is paid, I called the court, the court says it is paid, it has been 5 years I an a New York State resident, why is this still on my report? If Experian actually investigated they would know that the judgment is paid they obviously did not investigate anything. 
XXXX Experian Identification number {$14.00}, XXXX civil claim judgment XXXX XXXX XXXX. 
Date filed XXXX, 2011.
Consumer complaint received 2022-02-13
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: WELLS FARGO & COMPANY (CA)

My XXXX year old son took my credit card and made a purchase on XXXX of XXXX. I was not aware of this purchase, nor did I authorize his use of my card. When I called Wells Fargo to dispute the transaction, they said that they do not dispute charges from family members. This is completely opposite the current legislation and I see no verbiage that includes an exception for family members. My son is XXXX, ( actually he passed away now unfortunately so he is dead ), or was XXXX at the time, a full adult of his own and he should be held responsible for fraud as if anyone else took my card and used it.
Consumer complaint received 2015-10-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Advanced Recovery Systems, Inc. (MS)

I was sued by ADVANCED RECOVERY SYSTEMS Inc representing XXXX XXXX XXXX. The lawsuit alleged a procedure was performed and in fact, the Nurse was not even licesed to perform the medical procedure that was eventually done. I was not AT their place of business and had proof that I was not there, and that they had in fact not performed a procedure for me. In fact if they HAD it would have been a XXXX felony. I won the court case and am sending in the final judgement. 
My complaint is that ADVANCED RECOVERY would not validate the debt, would not identify themselves, except through their attorneys and a post office box. They reported the debt as valid, frequently ( every ten to fourteen days ) after it was disputed and after the case had gone to trial AND after they KNEW it was a false claim. They are still reporting it. 
I asked for a validation of the debt and their attorney replied by mail. " We called our client and they say its real. '' That was the validation letter. 
Their failure to follow the law has cost my husband and myself lost work and lost credit opportunities because they failed to follow the FDCPA, in fact I 'd say they 're not even aware of the law.
Consumer complaint received 2022-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My private information is being shared without my consent. I need my privacy protected at all costs! I have a right to privacy and my right is being violated at the moment. I need this to stop immediately.
Consumer complaint received 2016-10-10
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (IN)

MCM Midland Credit Management Inc, has been harrassing me since XX/XX/2015. They are claiming I owe {$240.00} to XXXX / XXXX. 
XXXX doesnt even exist! 
To be sure, I spoke with XXXX customer service to verify my XXXX Credit Card had a balance of {$0.00}, which WAS confirmed and the account was closed. 
XXXX says I do not owe any money. 
I have pulled my credit report since then and it is clear. 
I did receive notification from the US Govt that sensitive information pertaining to me was stolen, which they provided me with free credit monitoring for the duration of three years.
Consumer complaint received 2016-10-11
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Paramount Recovery Systems, L.P. (TX)

XXXX, Tx send my medical bill to Paramount Recovery System which is a third party about my debit. On XX/XX/2016 I sent a certifield mail. Under the Fair Debt Collections Practices Act, I have the right to request Validatin of the they say I owe.I am requesting proof that I am indeed the party they are asking to this debt.I feel that my HIPPA has been breach of my privacy.
Consumer complaint received 2024-03-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: JPMORGAN CHASE & CO. (NV)

Chase purchased our home loan then refinanced it when I told them not at all for any reason! They then put us in a covid 19 program and then raised the estimated value of our home with out a reappraisal to XXXX which was what we needed if we refinanced to pay off all our debt if we were going to refinance! But chase had a estimate on paper for around XXXX less then 6 months after they raised our property value falsely cause of there mess up and it has destroyed our credit! Now they have illegally taken money from my personal bank with out any notices or approval from me! I will not pay chase a nother XXXX and XXXX XXXX protecting my American dream I worked for! To many dates and names to list but it hase been since they changed my fha loan on their own without me accepting anything! Please for the love of XXXX help!
Consumer complaint received 2022-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Stenger & Stenger, P.C (MI)

I got a letter in the mail from XXXX XXXX XXXX for a credit card from XXXX XXXX XXXX in my name for XXXX but I don't own a credit card.
Consumer complaint received 2020-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA (MI)

Which in return lowered my credit score significantly I have no missed payments with them I have not asked for help or forgiveness during your covid-19 I have actually made more then asked payments,, There are also a couple other credit cards that have lowered my limit resulting in Lowering credit score