davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX is reporting that I owe them a balance on my credit accounts with them. I called them in XXXX, and they said they no longer own the debt, but they are still reporting that I owe them a balance for two accounts, when it should be reporting a XXXX balance if they sold the debt. I waited to receive a letter from them or the collection company to validate the debt, and didn't receive anything. I disputed the accounts on XX/XX/2020 through Experian. On XX/XX/2020, Experian completed their investigation, and the accounts were not updated to reflect the correct information, nor were they removed. I called XXXX XXXX on XX/XX/2020, to confirm, and they said they do not own the debt, which means they should not be reporting that I owe them a balance.
Consumer complaint received 2020-06-04
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. (AR)

I disputed XXXX XXXX XXXX account and it was not verified with my signature on any contract.by law, the 3 credit agencies are supposed to provide me with a wet signature for verification and they did not. This account is hurting me from refinancing my current home. I disputed this over 30 days ago and this needs to be deleted from all 3 credit agencies.
Consumer complaint received 2018-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (FL)

My debt is currently being managed by a credit counseling agency - XXXX XXXX XXXX. My credit card accounts were all negotiated and new payment terms were agreed upon with all of my creditors. XXXX XXXX Credit has continuously accepted payment and has agreed to new payment terms, yet has marked payments late each month for the past year. Each time I attempt to reach out to XXXX XXXX via telephone, I am told that they have no record of my calling, of my credit counseling program, or of the new payment terms. I have exhausted all efforts of attempting to resolve this matter myself and would like for all late payments to be removed from my credit report immediately.
Consumer complaint received 2020-01-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

A debt collection company has failed to validate the debt and provide valid legal proof that the debt is owed. I don't remember going into any contractual obligation with the original creditor are agreeing to an open contract are receiving any good services with the original are a debt collector. The company is in violation of the Truth and Lending Act and other applicable laws and the alleges debt is not valid. The debt collector is damaging my credit and has accessed my credit report without my permission and is invading my privacy and defamation of character. The debt collector has failed to comply with the 30-day requirement to validate the debt per Fair Credit Reporting Act and Fair Debt Collection Practices Act and must stop harassing me and violating my statutory rights by trying to collect this unvalidated debt by a valid ( wet ink ) contract. The company is provisding inaccurate false information that I owe them to all three Credit Bureaus, XXXX XXXX and XXXX
Consumer complaint received 2018-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Dear Sir or Madam : This letter is to dispute a billing error on my XXXX XXXX Credit Card. The amount is inaccurate because I have paid the balance in XX/XX/XXXXbut it hasn't been updated since XX/XX/XXXX.

I have enclosed copies of to support my claim. Please correct this billing error as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-11-06
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. (PA)

Im stressed and cant believe to my knowledge its been over 1200 days ago I sent letters about an investigation into items that were Unverifiable and Invalidated. To this day I have not received a reply or my investigation results or any acknowledgment that an investigation has begun not even on my credit reports.I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.
Consumer complaint received 2020-01-22
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Pinnacle Financial Group, Inc. (NC)

I bought my car last year from XXXX XXXX they got me financed thre XXXX XXXX then pinnacle group took over I tried to trade my car in they told I have to car loans showing up on my credit which im only suppose to paying for one I called pinnacle group they were very rude the told me my pay off had changed from what they told me yesterday.
Consumer complaint received 2021-11-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc. (IN)

Today XX/XX/2021 XXXX credit monitoring notified me that I have been reported to AMSHER COLLECTION SERVICES INC, XXXX XXXX XXXX, XXXX, AL XXXX for " nonpayment '' of {$220.00} past due as of XX/XX/2021 on behalf of, XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX dba XXXX XXXX. When we moved into our new house, a false XXXX ( XXXX XXXX ) internet service account was set up in addition to our actual account with : contact, phone, and address information 1 number or letter off of my actual actual information. 

I spoke to a tech supervisor, who looked at everything and speculated that the salesperson @ sold me two networks and 2 sets of equipment for no reason simply to get the sales, and set up that account up with a false name and number. The tech suggested we just remove that network entirely, and I did that, and returned the equipment to XXXX. 

I have already disputed this with the company, with the Collections agency, and with XXXX. XXXX deleted this from my credit report on XX/XX/2021, XXXX and AMSHER did nothing.
Consumer complaint received 2018-02-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (FL)

I bought my house for {$250000.00} and currently owe {$230000.00} on it. I realize that I do not have 80 % equity to remove the PMI, however I am confident that my house will appraise for {$330000.00} which will give me the 75 % equity that LoanCare requires in order to remove the PMI. On XX/XX/XXXX, I emailed the escrow department at LoanCare stating that my house recently appraised for {$330000.00}. I asked if I could submit that appraisal report or if I needed to order a reappraisal through them. I received an automatic response that they would get back to me within 5 business days and that my reference number is XXXX 

On XX/XX/XXXX, I called LoanCare because I did not receive any follow up within the 5 business days. Customer service rep # XXXX apologized for this and said that he would make sure that someone wrote me back by the EOD on XX/XX/XXXX.

As of the morning of XX/XX/XXXX I still have not received any correspondence so I called LoanCare again. This time they said that they guarantee a response by XX/XX/XXXX. The customer service rep said that I would receive a denial or acceptance to remove the PMI. I explained to her that I do not currently have 80 % equity in the house and would need a re-appraisal. She said that I would have to wait to get a denial letter and that would explain how to file the paperwork for an appraisal. 

I feel LoanCare is purposely making me wait 30 days before helping me remove PMI. In addition, I am upset that they never followed up within 5 days as their automatic email reply stated. Also, both customer service reps told me something different so what is the real policy?
Consumer complaint received 2023-01-12
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. (IL)

On XX/XX/2022 I submitted request for XXXX to remove this incorrect reporting from my credit. XXXX sent me back a notification they send everyone which was they verified information and the outcome of the results included the status remains the same. 

Account : XXXX XXXX XXXX XXXX credit card # XXXX opened on XX/XX/2022 with an amount of {$5600.00} This negative reporting is hindering me from accomplishing goals I have set forth also causing a great deal of damage to my credit profile. 

On XX/XX/2022 I sent a follow up notice to all credit bureaus and as of today this negative and fraudulent item remains on my report.
Consumer complaint received 2022-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hello, my name is XXXX XXXX XXXX , and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2020-01-22
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. (CA)

I pulled my credit profile for the first time in 6 years and seen many accounts that were not mine. I never applied nor seen any of these accounts. These accounts need to be removed. XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. There are also some inquiries that I'm not aware of XXXX XXXXXXXX, XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXXXXXX XXXX   XXXX XXXX XXXX XXXXXXXX XXXX XXXX AND XXXX XXXX XXXX XXXX I have contacted the FTC and my local police.
Consumer complaint received 2019-11-12
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. (IL)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Consumer complaint received 2021-05-04
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: General Motors Financial Company, Inc. (NC)

In 2016, I divorced my ex-husband XXXX XXXX. I am attaching a copy of the divorce decree that clearly indicates that he took sole possession and responsibility for the vehicle that was financed by GM Financial. But despite that, GM Financial continues to report this account on my credit profile. I have been in contact with the credit bureaus and GM Financial to correct this error, but the account continues to remain on my credit report.
Consumer complaint received 2019-11-12
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. (IL)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Consumer complaint received 2018-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SUNTRUST BANKS, INC. (NC)

I had multiple banking products with SunTrust ( Checking Account, HELOC, and a Credit Card ). I sold the house tied to the HELOC and the loan paid off. Upon pay of of my HELOC, I decided to switch banks. I then closed my checking account. As my credit card still had active transactions on it I left it open. As a customer, I was enrolled in paperless billing for all of my products. The only way to access bills and statements is via SunTrust 's online banking site. 

Upon closure of my checking account, my online access was removed and my entire online account was deleted. As such, I am unable to access my credit card statements. I have a bill due in 3 days and SunTrust is refusing to provide me with either a statement and also has failed to correct my online access.

After two phone calls and over an hour on the phone with SunTrust for each call, the representatives were unable to offer any help or restore my online access. I was told that the only way to obtain a statement before my payment was due was to drive to a branch and pick one up. Unfortunately, I have a job and can not just leave work at the whim of SunTrust to pickup a statement. 

I always pay my bills in full each month, however, I am unable to pay a bill that SunTrust can not provide.
Consumer complaint received 2022-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX reporting agency keeps reporting inaccurate information on my car loan threw XXXX XXXX XXXX as the balance, also they are messing up my on time payments months are passing and theyre not updating months that a paid to my accounts and it is hurting my score, also they have not updated my payment history and balance on mostly all my accounts can somebody please help me with my problem because I am trying to better my situation and they are giving me a hard way to go by not accurate presenting my credit history. I sent out letters and reports to XXXX threw certified mail backing me reach outs to them. Also they have been failing to accurately update the the monthly records of payments. I also have the letter from the company stating that inquiries where made fraudulently with my social security number and I wanted the inquiries removed because it is becoming an hard ship on me and I know according to the FCRA legally those unverifiable, and inaccurate information must be removed from my report.
Consumer complaint received 2021-11-06
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (DC)

My identity was stolen which resulted in alleged debt ( s ) that is being reported falsely on my credit report. Furthermore, a third party entity illegally purchased my information and is doing unfair debt collection and reporting practices which has negatively effected my credit, reputation, and financial opportunity to further my quality of life. This is aggravated identity theft. I've filed an identity theft complaint with Experian, and have filed a police report for identity theft as well. There are 10 or 11 accounts reflecting this fraudulent activity and all of them must be REMOVED.
Consumer complaint received 2020-01-22
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Professional Choice Recovery, Inc. (CA)

Around XXXX on XX/XX/20 a person named XXXX from Professional Choice recovery called my work phone asking another employee to speak to me even after last time they called I told them not to call my work that it isn't OK. I requested the bill from the client they where representing and have never received a bill from XXXX XXXX in nebraska, just the bill from them saying if I don't pay immediately they will report it to my credit score. The most recent call though I was informed my insurance paid XXXX XXXX and they where now collecting on the rest of the debt ; However, usually after the medical provider gets paid I should get a bill from the medical provider saying how much I owe them, instead Professional Choice recover is threatening me to send my account to management and that they will report this debt on my credit score.
Consumer complaint received 2020-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

My XXXX XXXX was having issues so I pulled up XXXX technical support on my phone and dialed the number that came up. The ( fraudulent ) technician that came on the phone told me he needed to share my screen in order to fix my issues and verifiymy identity. Since I had phoned XXXX the week before and an ( authentic ) technician Requestedto share my screen to help me fix my issues ( which he did ) I felt The request was legitimate. After being on the phone with the impersonator for almost 2 hours or more I started to ask more questions. He.Immediately ended the call And I proceeded to call that number back to find out that line was not working. I pulled up my bank information to find out {$2800.00} was transferred from my savings account to my checking account and from there {$2000.00} was electronically transferred viaXXXX quick pay to someone named XXXX XXXX And another {$500.00} was transferred out via XXXX XXXX.I immediately phoned chase bank to file a claim and also went into a branch in person Because I was so Paranoid not knowing Who was authentic and who wasnt. I filed a police report with XXXX XXXX police department and faxed all supporting documentation to Chase. They told me it would take 10 days to investigate and after the 10 days my claim was denied. I feel their investigation was lacking depth .. chase could have checked my cell phone records and found the number I called on XX/XX/XXXX at XXXX oclock ... and there was also the name of who my money was transferred to .. They indicated to me that they did not believe me. I need that money back because I need to pay for my XXXX.
Consumer complaint received 2020-07-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IL)

Fed loans has misplaced my employment certification form for one year of my loan repayment. Currently only 8 qualified payments. ( XXXX ). They have misplaced my XXXX form. Employment certification form was resubmitted XX/XX/XXXX along with this years form onXX/XX/XXXX. Please help with getting payments qualified for PSLF.
Consumer complaint received 2020-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (FL)

I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2018 and XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2020-06-04
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)

to whom it may concern ; I check my credit and notice some fraudulent Activity on my credit I have no knowledge of these Accounts nor did I give anyone authorization to open any Accounts. This is fraud. I would like to place a fraud alert on my credit so that this will not happen to me again
Consumer complaint received 2019-09-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd. (MD)

I agreed to a payment plan available at the XXXX. I withdrew from the class in XXXX, XXXX. I received a notice from the state of Maryland in XXXX, XXXX stating that I owe {$1200.00}. I received no written notification that I owed any money to XXXX ever. I received a notice from Harris & Harris , Ltd saying that they are collecting {$1200.00}. I was not given the opportunity pay this prior to going to collections. I was never given a breakdown of why the total {$1200.00}, when I was given a total of {$980.00}.