davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I searched deeper into my credit reports and I discovered even more egregious violations of the FDCPA the FCRA by the CRA, Transunion LLC.. Transunion LLC is just standing by with a blind eye allowing & enabling these rogue preditatory debt collection agencies just destroy peoples ' lives with impunity because they know Transunion will not hardly delete anything even it's illegal behavior. Examples below : 1. ) Transunion is allowing XXXX XXXX XXXX ( aPhantom unlicensed debt collector ) and XXXX XXXX XXXX Plus ( a Phantom unlicensed original creditor ) just keep an illegal debt-parking scam acct # XXXX 
on my credit reports for ( 4 ) four years even though I proven factually in writing that this fraudulent acct # XXXX needs to be deleted due violation ofFDCPA & FCRA 2 ) Both ofthese companiesknowingly lack licenses to operate in GA. when they illegally placed this fraudulent acct # XXXX on my credit reports!!! I brought evidence in writing for that also.. 
3. ) Transunion LLC knows that XXXX XXXX XXXX pretended to be an attorney when wrecking credit with these violations & They still wouldn't delete this acct # XXXX!! 
4. ) Transunion LLC is well aware of the fact that " XXXX XXXX XXXX '' is a " fake '' name original creditor name it has no license to operate in GA! 5 min look on GA. Secretary of State website shows anyone that fact!! 
5. ) Transunion LLC knows that these 2 Companies illegally increased their " fake '' collection amt from {$8000.00} to {$10000.00}!!! 
Transunion LLC is well aware of all these issues are violations of the FDCPA & the FCRA!! Transunion should be neutral and siding with the truth but they are not!! 
CFPB and FTC please help with these Bullies ...
Consumer complaint received 2017-09-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (AZ)

IN XXXX of XXXX I sent a letter to ERC ( Enhanced Recovery Company DBA ERC/ Enhanced Resource Centers ) requesting a validation of debt reported on my credit report. ERC responded by sending me a unofficial history of payments from an account dated XXXX. There was no payment history sent from the original debtor, XXXX, nor was there any signed original contract to render services as I had initially requested. Further the dates showing services used by XXXX were dates in XXXX when I DID NOT have XXXX as a service provider. 

Furthermore, the corresponding letter indicates a " link '' to a Customer Service agreement which DOES NOT show my original signature. 

The information I requested from this creditor was NOT sent and now I am demanding this account be removed from all three credit bureau reports. Clearly they are not able to provide the information to verify this debt.
Consumer complaint received 2022-03-29
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Performance Management, LLC (TX)

I participated in the XXXX XXXX XXXX XXXX by leasing a XXXX XXXX back in XXXX. The XXXX XXXX XXXX  was then sold to XXXX in XXXX and I returned the leased vehicle to XXXX  in XXXX of XXXX. I never received any notifications from XXXX regarding any outstanding amounts that were owed on the lease. More than 2 years after I returned the vehicle, the portfolio was again sold to XXXX XXXX XXXX XXXX XXXX. XXXX XXXX apparently decided that I still owed {$400.00} on the lease ; however, I never received any correspondence from them regarding this amount. The balance was then apparently forwarded to Receivables Performance Management LLC. Again, I never received any phone calls or correspondence from RPM regarding the " amount owed '' and then I received a negative mark on my credit report due to this balance. I would like this negative remark removed from my credit report. I never received any emails from them either ( I confirmed they had a correct email ). I contacted RPM to remove the negative mark and they refused because they claimed they had attempted to contact me. However, they had outdated address information due to the lease portfolio being from nearly 3 years ago. I even have a friend still living at my old address who confirmed they never sent me any notices. They had my SSN so I am 100 % confident RPM could've obtained my correct address and contact information if any effort was put into that at all. This is a predatory company working with another predatory company. I would like to request again, through this complaint, that the negative mark be removed from my credit report.
Consumer complaint received 2018-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (FL)

Today XX/XX/2018, I had a total of {$120.00} in my checking account. Now I checked my account and Wells Fargo has slapped me with a {$75.00} over draft fee. They said I sent money to my son via XXXX. Help me understand if my account had no money how can I transfers XXXX to my son XXXX account, this XXXX doesnt add up. Over the weekend I deposited {$350.00} into my account and now Wells Fargo wants to charge me over draft fees, I spoke to a few customers to reimburse me but they all had different stories. I have call in the pass to not let let transaction go through if I dont have enough money but Wells Fargo fails to to protect my account but instead they steal me by charging me and I am so tired of it, that I will bring this matter to my lawyer and we will see them in court. I would appreciate it if they reimburse me that {$75.00} back to my account because I dont just sit on my XXXX and receives money, I work really hard for XXXX to rob me. I am utterly disgusted at how they steal and rob poor people like me. I will post this comment on XXXX so it can go viral and my statement. I am done playing games with Wells Fargo. 
I would like my refund of {$75.00}. Thanks you
Consumer complaint received 2019-03-06
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: EQUIFAX, INC. (GA)

Ive provided Equifax with all of the information requested in XX/XX/XXXXand XX/XX/XXXX and they investigated the information. I provided the identity theft documentation and the information was investigated and deleted from my credit report after reviewing the information. According to Fair Credit Act, the credit bureau is supposed to protect consumers from the information reappearing on their reports. I provided them with a copy of my credit investigation from their company, showing the information was deleted and they would not immediately take this information off of my credit report. I also had a credit report sent to me on XX/XX/2019 and this information was not on the credit report after filing a complaint about the removal of inquires for credit in which i did not apply. I am requesting that they remove this previously investigated information from my report : 1. Bankruptcy-Reference XXXX-deleted in previous investigation 2. Bankruptcy-Reference XXXX-deleted in previous investigation 3. XXXX XXXX-Not my account I am also requesting the removal of the following accounts that do not belong to me immediately. These accounts are 2-3 years old and have never appeared on any of my credit reports, thus are not my account and belong to someone with a similar name and different social security number. 

1. XXXX  XXXX XXXX-Not my account-mistaken identity 2. XXXX XXXX $ XXXX-Not my account-mistaken identity 3. XXXX XXXX- $ XXXX-Not my account-mistaken identity 4. XXXX XXXX- $ XXXX-Not my account-mistaken identity 5. XXXX XXXX-not my account-mistaken identity 6.XXXX XXXX-not my account-mistaken identity I request the immediate removal of these accounts off my report!
Consumer complaint received 2015-08-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (WA)

seterus keeps sending foreclosure statements although we are actually paid over on mortgage. money is in suspense account and they will not apply it to our account. even after XXXX phone calls and they said they would fix it. also reporting on our credit that we are behind XXXX payments. never was. only 2 months and that was caught up months ago. dont know what to do.
Consumer complaint received 2021-04-30
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: EQUIFAX, INC. (PA)

Equifax reporting late monthly payments reporting on a closed account. I wonder how were the late payments verified? Please provide proof of bank records and proof of the transactions or receipts that belongs to this account. I've been disputing with Equifax sinceXX/XX/2020. EQUIFAX had more then enough time to do a proper investigation along with showing me proof of a proper investigation. They are in violation continuing to report.
Consumer complaint received 2020-10-23
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: Experian Information Solutions Inc. (TX)

I mailed in an item to Experian and they recorded the delivery by entering the information into their system with my name misspelled. They did not investigate the matter or abide by the FCRA regulations and provide a response within 30 days. I have called them about this and they claim that they investigated the matter but they never mailed me anything to prove this.
Consumer complaint received 2019-03-06
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: AES/PHEAA (NV)

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX XXXX XXXX with no successful resolution. XXXX  and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2023-01-29
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: HYUNDAI CAPITAL AMERICA (TX)

Kia Motor Finance issued a check, which I never received. After calling both the dealership, XXXX XXXX Kia in XXXX Texas and the Kia hotline, it appears someone else stole the check and cashed it. Issue being, I requested an investigation and to have a copy of the cashed check sent to me with Kia refusing to assist both myself and XXXX XXXX XXXX in our investigation with the result of Kia not assisting nor sending copy of the cashed check.
Consumer complaint received 2021-04-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (FL)

My loans are held by Fed Loan Servicing. I was approved for Temporary Expanded Public Service Loan Forgiveness ( TEPSLF ) in XX/XX/XXXX and submitted a case on XX/XX/XXXX to have my payment history reviewed as I have made more than enough payments toward the forgiveness approval. My account/payment history has been under review since XX/XX/XXXX and I have not received any contact regarding the status of my payments or case. I want to know what is going on with my account and I want my loans forgiven. Today 's date is XX/XX/XXXX.
Consumer complaint received 2022-08-12
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: Experian Information Solutions Inc. (TX)

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2018-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (CA)

I have had a Citibank MasterCard for years. Just recently I received a master card renewal. But a week or so later I also received from Citibank a new Citi American Express card. I never requested an American Express card. This feels very much like when XXXX XXXX issued me a credit card years ago without me ever requesting it. Ive heard that canceling a credit card can add a ding to my credit report. Im not sure if that will be the case if I cancel this AMEX card that I never requested.
Consumer complaint received 2020-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (NY)

In XXXX of XXXX. I could not log into my Venmo account. I knew my password and it did not work. So I tried forgot my password and it said we will send you an email to reset. However I never received these emails. 

Months/ maybe a whole year later, I opened a new Venmo account and used it with no issues Two weeks ago I received a phone call saying that theirs charges from XXXX on my account and I owe XXXX . I  said it was not me. Went over the charges and said I do not know the person they were sent to. 

Today I received a phone call that my claim for fraud was denied and the Venmo collections department was calling to collect XXXX $ from me. I reiterated it was not my expenses and it was fraud. I asked to speak to the fraud department and was told they don't have a phone number and I can't contact them. 

I have sent numerous emails in the last 2 weeks and have not gotten any response. 

I looked back in my email and see a " new device was added to my account '' on XX/XX/XXXX in XXXX NY. About 2 hours away from where I live. 

I did not authorize the charges and therefore don't believe I should have to pay them.
Consumer complaint received 2018-06-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (MO)

Made payments to Discover Student loans through electronic payment on XX/XX/2018, directly from my checking account to their account as I have been doing for the past 10 years. The payment of XXXX and XXXX  that have been withdrawn from my banking account are claimed to have not been received. These payments would pay off those loans. I have called their customer service multiple times always to get the same replies of it will take various amount of days to investigate, which every time I call I get a different response of 3 days, 5 days, and now they are telling me up to 14 days.
Consumer complaint received 2019-03-06
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. (NC)

I checked my credit report with Experian on the morning of XX/XX/XXXX. I saw that they had " UPDATED '' the date of a Charge Off with XXXX XXXX. I had filed a dispute with Experian twice before about the company and the fact that I never even opened the account, but after a deal they gave me, I agreed to pay a charge off amount of {$170.00} of a {$300.00} credit card bill they said I owed them for processing. The charge off was on all my credit reports as XX/XX/XXXX. Experian ran an update, and now the charge off is labeled as XX/XX/XXXX. I tried to dispute the information through their dispute process, and was told that I can't dispute against XXXX XXXX anymore. If you go into archives of my credit report, it is on page 8 of Experian 's XX/XX/XXXX, and it will show that the report has the XXXX XXXX account closed as a charge off, paid, and updated as of XX/XX/XXXX. I'm willing to bet that my report will increase by at least 50 points on Experian, when they set that charge off back to when it actually happened. Can you help me get this fixed, since they will not let me file another dispute or have anything else to do with XXXX XXXX anymore?
Consumer complaint received 2021-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2021, I purchased two airline tickets through XXXX XXXX XXXX US website with a combined cost totaling {$1100.00} after being enticed by an AmEx offer stating that such a purchase would result in a {$200.00} rebate. In fact, AmEx sent me an email immediately following the purchase indicating that I had used the AmEx offer. For whatever reason, AmEx claims that I either purchased the tickets over the phone or directly through XXXX XXXX. This is completely false, as I have never purchased tickets from XXXX XXXX except through the internet, no matter how their system may have coded the transaction. It is not my fault that their systems do not correctly code transaction data. I believe AmEx 's action to be deceptive, resulting in {$200.00} in financial harm to myself. After having to reach out multiple times, I was offered {$50.00} to settle the matter, which is insulting. I want other consumers to know that, not only does AmEx no longer stand for top level customer service, but AmEx is now actively deceiving customers into spending money with fulfilling their end of the bargain.
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WV)

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-03-19
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. (FL)

The following credit bureaus ( XXXX and Experian ) are reporting inaccurate information on the account listed below. I need this account deleted immediately. 

XXXX XXXXXXXX XXXX is reporting inaccurate information. I do not know what this particular debt is about with the following amount of {$110.00} which is being reported on my credit report. I did not get any documents about this debt. I was not given an opportunity to resolve this debt before it was put on my credit report. I did not go to the doctor in XX/XX/2020 as it is reported on my credit score. How am I suppose to pay a debt that I have completely no knowledge about. They refuse to delete the account off credit report if I was to pay in full which causes a negative report which decreases my credit Score. Tried to contact the supervisor XXXX XXXX and stilI as of yet no response. I know that they should be able to delete it immediately if they are reporting it.
Consumer complaint received 2017-10-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TENET HEALTHCARE CORPORATION (IL)

I was sent to the hospital in XXXX of XXXX. There u was asked for my insurance information. I gave it to them and was told it would be resolved. The insurance that I had at the time was XXXX XXXX XXXX. I got a notice saying that I had n't paid the medical bill even though it should have been covered by insurance. Did not know what I had to do to get it resolved as I had n't dealt with insurance during that part. The company is XXXX finance control, date XXXX/XXXX/XXXX, amount is {$980.00}. Originally contacted them but got no response as to what was supposed to be done and now credit is suffering
Consumer complaint received 2017-03-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (MO)

I contacted the credit bureau by online dispute and paper dispute to let them know that my credit had been ran without my knowledge or permission and was asking for them to investigate and remove the inquiries off of my credit. I was told to if I felt like it was unauthorized to contact each company to dispute these actions. I did that with no response or action from the companies.
Consumer complaint received 2021-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (NC)

AmSher Collection Services has reported a collection account to my credit profile. They are reporting that I lived at XXXX XXXX XXXX XXXX, NC and have a delinquent account with XXXX XXXX for {$70.00}. My correct address is XXXX XXXX XXXX XXXX, NC. I have provided AmSher with a copy of my lease agreement and a statement from XXXX XXXX for my correct account that both prove my correct address. I have requested multiple disputes with AmSher but they refuse to delete the erroneous account. Most recently, I sent a request for account validation which was ignored by their company. Instead of responding to my request, I received instructions to claim identity theft. Their request for me to claim identity theft would be both immoral and fraudulent and I refuse to complete the documents they requested. I am not a victim of identity theft, I am a victim of a debt collection agency refusing to correct inaccurate reporting.
Consumer complaint received 2021-04-05
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. (MN)

The open date on each account has different months on it, which is no possible way the accounts were opened on 3 different days. Collection/chargeoff account showing balance and that's violation under FCRA.