davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (MA)

Hi XXXX XXXX XXXX XXXX XXXX ; Happy New Year! 
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Consumer complaint received 2015-09-02
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Commonwealth Financial Systems, Inc. (TN)

I was contacted by XXXX XXXX with Common Wealth Fin. Systems regarding a debt from XXXX 2009. I undated all of my information with her and verified all she asked. I then asked questions, what XXXX was I seen in, what doctor treated me, etc. She stated she could only provide the information through email. I told her I only had a work email and could not proved it and asked how could I get the information I needed to verify I owed the debt. She repeated only through email and I once again explained I could not provide my work email for this matter. She began to get irritated with me and told me I was being ridiculous, and created an email only took two minutes. I told her not to speak to me that way and explained I was trying to help and get this matter resolved. She then hung up on me. I called the company back and was transferred to her. I told her who I was and why I was calling and without speaking, she hung up on me again.
Consumer complaint received 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America assessed late fees on my account for the billing cycle XX/XX/XXXX to XX/XX/XXXX. My statement showed a closing date of XX/XX/XXXX. On XX/XX/XXXX, I made two payments, one for {$2000.00} and one for {$500.00}. These payments were credited on XX/XX/XXXX and a late fee of {$29.00}. 

My next statement, for billing cycle XX/XX/XXXX through XX/XX/XXXX, included a late fee for {$40.00}. The closing date for this statement was XX/XX/XXXX. When I asked why a late fee was assessed, given that I had had made a XXXX payment on XX/XX/XXXX ( {$2000.00} ), and a XXXX payment ( {$500.00} ) on the same date, I was informed that I had not made the XXXX payment before the XXXX and the XXXX payment did not count because it was made prior to XX/XX/XXXX. 

I was also assessed a {$40.00} late fee for an electronic payment I made on XX/XX/XXXX, the closing date of my XX/XX/XXXX to XX/XX/XXXX statement, which was not credited until XX/XX/XXXX. It would appear that Bank of America has a 4 day window, from the XXXX to the XXXX, in which any payment made does not get credited to the either statement. This does not seem fair or correct. 

Another issue was that because I was technically delinquent, the autopay feature on my account was apparently deactivated, therefore the minimum payment that would have been processed, was not. I had autopay set up on both my BA accounts to make a minimum payment so that I do not miss a payment, then I make additional payments online. I do this with all of my accounts. 

Additionally, on the same day I received a letter stating that my account was delinquent because of a past due {$84.00} payment, I received a check for an overpayment I had made to another account in XX/XX/year>. It took 4 months for this amount to be refunded to me. I don't know if this is standard or allowable, but it should not take that long.
Consumer complaint received 2022-09-11
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion refuses to remove false derogatory information from my credit report. They say that they investigated the issue but as far as I can tell, their investigation lacks any credibility. Apparently they just take the word of anyone who says they are owed money and damages my credit report without having a serious dispute process. I have the right to see the proof of debt and demand that this be provided me. I have a right to a serious dispute process and that my side be taken into account. This was not done. It should be illegal for TransUnion to cause me this harm and refuse to correct it. I need to see all documentation that was provided to them as part of what they claim is their investigative process. I must be able to dispute the false information. They have no proof of a legitimate failure on my part to pay a legal debt, since I do not owe any money that is being claimed and they have no proof ( not unfounded comments ) to the contrary. Attached please find documentation I sent TransUnion and which they have failed to act upon.
Consumer complaint received 2018-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I filed Chapter XXXX in XX/XX/XXXX, and XXXX was notified and accepted voluntary surrender. My bankruptcy discharge was on XX/XX/XXXX. Within a month, I started disputes with CRA 's to correct information on my reports. At no point in the term of my loan was it late and the loan was current at the time of filing. 
As of their latest update, they are now reporting payment history beyond my discharge date. 
My reports should be showing XXXX balance, closed, and the notation of included in bankruptcy. They continue to report inaccurate information stating late payments ( which the account was never late ), and now are adding information dated beyond the discharge, which is causing irreparable damage during this difficult rebuild. I would consider this retaliatory behavior or active collection activity.
Consumer complaint received 2018-06-13
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. (TX)

I filed Chapter XXXX in XX/XX/XXXX, and XXXX was notified and accepted voluntary surrender. My bankruptcy discharge was on XX/XX/XXXX. Within a month, I started disputes with CRA 's to correct information on my reports. At no point in the term of my loan was it late and the loan was current at the time of filing. 
As of their latest update, they are now reporting payment history beyond my discharge date. 
My reports should be showing XXXX balance, closed, and the notation of included in bankruptcy. They continue to report inaccurate information stating late payments ( which the account was never late ), and now are adding information dated beyond the discharge, which is causing irreparable damage during this difficult rebuild. I would consider this retaliatory behavior or active collection activity.
Consumer complaint received 2018-06-13
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. (CA)

On XX/XX/XXXX, I filed a dispute with Transunion concerning a student loan that was reported 90 days late. I provided documentation provided by the creditor that showed the account as having been current for the past three years. The account was never late during the time disputed, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The creditor provided three separate lines of credit, two of which were reported as late. On XX/XX/XXXX, I was informed by Transunion that the investigation had been completed, but when I checked my credit online, only one of the two disputed lines under the same account number had shown as " current '', and the one that was now current and had been reported as late, still showed a missed payment in XXXX which is not correct. I was negotiating to purchase a car under a limited time offer by the State of California 's vehicle retirement program that would provide a down payment towards the purchase of a newer vehicle. That offer would expire XX/XX/XXXX. I had no additional time to wait as another dispute would take 30 days. Therefore, when the Transunion score came back as XXXX, but my XXXX and XXXX  scores showed a corrected report of XXXX after only 24 days since filing the dispute, I was only offered a rate of 7.99 % APR and had no choice but to accept. Transunion 's error and failure to correct the report within 30 days has resulted in an added cost of potentially more than a thousand dollars on this loan. I have asked the new creditor to check the Transunion score as of today, XX/XX/XXXX and provide a lower interest rate based on the corrected information, but they are under no obligation to do so.
Consumer complaint received 2017-05-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Law Office of J.A. Cambece (DC)

I am in a XXXX XXXX XXXX with XXXX assistance. My entire income is taken to pay the patient responsibility part of my bill. I can not make payments. I have explained this repeatedly.
Consumer complaint received 2020-07-14
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. (NJ)

XXXXl XXXX XXXX Credit Card ending in # XXXX. 

Inadvertently deleted from being reported to ALL credit bureaus, XXXX, EXPERIAN & XXXX contacted XXXX XXXX several weeks ago and they REQUESTED account to be REINSERTED to ALL.the bureaus As of XX/XX/XXXX,. it is still NOT BEING REPORTED as advised to my credit reports social security # ending last four digits XXXX
Consumer complaint received 2018-06-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ACS Education Services (PA)

ACS folded and formed into a new company XXXX. I have no way to contact said company because all correspondence by phone or email require an account number that I don't have. I have tried calling several times and received no help. How am I supposed to pay a loan when according to the website I have no account with them or my Social Security does not register with them?
Consumer complaint received 2020-10-11
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: Experian Information Solutions Inc. (FL)

I have submitted my driver 's license and paystubs to XXXX on 2 separate occasions. They have failed to provide my credit report. I am extremely concerned about identity theft and that XXXX  may have lost my items for identification purposes. I have been waiting since XX/XX/2020 and have received no response from XXXX  and I believe my consumer rights have been abused and violated.
Consumer complaint received 2024-03-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: TD BANK US HOLDING COMPANY (NY)

Nordstrom {$710.00} being reported on XXXX I have requested : -method of verification -validation of debt including payment history, account numbers, and name of creditor -submitted 1692G ( b ) and nothing has ever been provided to me over the past 6.5yrs. This has impacted me being able to purchase a home and has to be removed from my " XXXX '' credit report.
Consumer complaint received 2021-02-26
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. (MD)

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2018-06-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE ()

On XX/XX/XXXX I used the services of Western Union Business Solutions to make the payment of {$5500.00} sterling to the University XXXX XXXX, in the XXXX XXXX of XXXX XXXX. 
In accordance with the instructions of WU I made the international transfer from my bank XXXX and the bank liquidator XXXX. 
The data that WU gave me were the following : XXXX XXXX : XXXX BANK LIQUIDADOR : XXXX XXXX DEPOSIT ACCOUNT : XXXX NAME : WESTERN UNION BUSINESS SOLUTIONS USA LLC / XXXX / XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX REFERENCE : XXXX XXXX Today, XX/XX/XXXX, the University XXXX XXXX has not received the payment and, therefore, they ask me to do it again. 
I request your intervention so that WU delivers the funds that, according to what they say, are lost. 
Likewise, I request that I reimburse the expenses and commissions that I have had to pay to clarify this matter. 
I have been in communication with WU for four months but they have not given me any answers.
Consumer complaint received 2018-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/18 I made contact XXXX XXXX to settle a debt and inquire about the process in which it reports. I made contact with the initial rep, then her supervisor and finally spoke to the project manager who all advised me that once I paid the debt that was owed it was closed with them and then sent back to XXXX who would then recall the debt. the debt collecting agency ( XXXX ) refused to provide this in documentation but assured me my call was being recorded and as a project manager he had to provide me with the proper steps in which this debt would be removed. I advised the representative that I was currently in escrow and could not have my score drop as a result to paying this said debt. My husband not only took a 20 pt drop once it reported " closed settled '' so I immediately called XXXX who I was advised my file would be returned back to, to follow up on XXXX 's procedures just to find out that they've wrote our debt off and it was sold to a debt collector never to return. So in other words they were never getting my file back and this debt collector lied to me and has caused my score to drop. the original debt was XXXX and we were offered to settle at XXXX in which we did. However because they did not do what they said this has caused us to go through a hassle while going through escrow with the decrease. you shouldn't be able to deceive and cause hardship to consumers.
Consumer complaint received 2018-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

On XX/XX/18 I made contact XXXX XXXX to settle a debt and inquire about the process in which it reports. I made contact with the initial rep, then her supervisor and finally spoke to the project manager who all advised me that once I paid the debt that was owed it was closed with them and then sent back to XXXX who would then recall the debt. the debt collecting agency ( XXXX ) refused to provide this in documentation but assured me my call was being recorded and as a project manager he had to provide me with the proper steps in which this debt would be removed. I advised the representative that I was currently in escrow and could not have my score drop as a result to paying this said debt. My husband not only took a 20 pt drop once it reported " closed settled '' so I immediately called XXXX who I was advised my file would be returned back to, to follow up on XXXX 's procedures just to find out that they've wrote our debt off and it was sold to a debt collector never to return. So in other words they were never getting my file back and this debt collector lied to me and has caused my score to drop. the original debt was XXXX and we were offered to settle at XXXX in which we did. However because they did not do what they said this has caused us to go through a hassle while going through escrow with the decrease. you shouldn't be able to deceive and cause hardship to consumers.
Consumer complaint received 2019-05-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Home Loan Center, Inc. (GA)

I was contacted by some people claiming to be Lending Tree and it turned put to be a scam and fraud. They said they would give me a {$500.00} to {$1000.00} dollar loan and that would boost my credit score and then would give me a larger loan. They deposited {$860.00} into my account, and then said they wanted me to send {$500.00} back to them on a prepaid card to repay the loan before sending me the larger amount. I spoke with my bank and found it to be fraud. I had to close my account and reopen etc.. the number is out of North Carolina I believe and I'm in Georgia . The number they used is XXXX.
Consumer complaint received 2021-02-26
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (OH)

I just received this Us Bank Reliacard in the Mail I understand this is for Government agency 's to help reduce mail. I haven't asked for anything and the card came to my address with the name XXXX XXXX? I'm not sure if this is fraud but I did report it to my XXXX account and will take it to my local Police department. We have had several neighbors on our street getting 1099G 's for unemployment? I don't want to be one of those next year. Can you please help us with this issue. From the research I have done on this that when I call US BANK the person that filed can get the money but they have no way of canceling this card. Who ever this person is doesn't live here and we don't know how they got our address or who's Social Security Number they are using Thank you XXXX XXXX
Consumer complaint received 2018-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FactorTrust, Inc. (MO)

I contacted the 3rd party Factor Trust an requested my files frozen XX/XX/18 due to identity theft by fax, I also sent a copy of my lease & drivers license as I did all companies on the same day. the fax was received confirmation # XXXX. I received a letter from Factor Trust requesting another copy of my id & social security number. I sent required documents that where accepted on there website. However they still have not froze my files. Which contain inaccurate information, this is a 3rd party & they do not have authorization to share my information. I am requesting this security freeze asap. For this has caused me multiple denials due to the inaccurate reporting they are providing,
Consumer complaint received 2018-06-13
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. (FL)

Purpose of this complaint is to show the intentional act by XXXX XXXX to damage and cause harm to my credit. 

XX/XX/XXXX on Experian, and XXXX XXXX. stop reporting my payments causing my credit score to drop. 

XX/XX/XXXX due to a family emergency i arranged to make monthly payment 30 days late this timeframe was for two months, XXXX. reports XXXX, XXXX, XXXX and XXXX late, the issue is XXXX and XXXX are incorrect they reported 60 day late for XXXX and XXXX needs to be changed to 30 days late. I have my bank statements. 

XX/XX/XXXX to XX/XX/XXXX i struggled with XXXX. to modify my mortgage, they refused payments and passed me to multiple agents. Then start the process over again and again. They placed my home in foreclose and this process allowed them to add additional fees coercion me under duress to accept the unlawful fees in order to keep my home. 

Currently my credit report reflects a very unlawful status and its out of my control. I am asking for your assistance in correction this matter.