davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-27
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: The Law Office of Nicole Hillman (TX)

Attorney Nicole Hillman submitting 5 year old documents posing as IRS  Tax Lien to garnish personal bank accounts more specifically my government unemployment funds. 

XX/XX/2020 XXXX  XXXX Chairman and CEO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Texas XXXX Re : XXXX XXXX Personal Banking Garnishment Mr. XXXX : Regarding this matter first and foremost this is not my debt. I have spoken with this Attorney XXXX and reported in writing to XXXX County Courts that this is not my debt and of which I have no knowledge of until XXXX submitted documents to my bank. Per my attorney XXXX  XXXX is also reporting this garnishment as an IRS Tax Lien of which it is not which concerns me as to how this garnishment was reported to XXXX  XXXX as deceptive which violates federal law ( FDCPA ) as I do not have any IRS Tax Liens. 

Secondly, as my financial institution I should have been given notice of this garnishment. As currently unemployed my current deposits are from protected government unemployment benefits which are exempt from such. XXXX XXXX must turn over and/or release those funds immediately. I have filed a police report and as well as reporting this matter to the Texas Attorney General Offices. 

I find it frightening that someone can submit paperwork without verification and the bank honors it without verifying the legitimacy. Please release my unemployment funds immediately. 

XXXX XXXX XXXX Cc, FTC, Texas Attorney General, XXXX County Police Department.
Consumer complaint received 2021-05-08
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. (AL)

I mailed Experian a dispute on XX/XX/2021 for reporting inaccurate information. I was not been notified of investigation status or results.
Consumer complaint received 2018-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (LA)

I started monitoring my credit using XXXX in XX/XX/XXXX. Upon checking my credit report, all 3 major bureaus listed Hunter Warfield as collections. I have never had any accounts or dealing with this company. I did not sign any  contracts with this company. I requested that they validate the account in which they are attempting to collect the debt by certified mail on XX/XX/XXXX. This company states that I owe them {$4300.00} and they are demanding that I pay this amount. They are insisting that this is my debt. However, it is not. They refuse to remove this information from my credit report, as it is wrong. Each month this company reports to the three credit bureaus raising the alleged amount of debt. This is proven to be injurious to my credit standing. I applied to XXXX XXXX XXXX XXXX to refinance my vehicle but because of this debt reporting for the above amount stated they were unable to refinance my vehicle.
Consumer complaint received 2021-05-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc. (TX)

Conn 's Retail Furniture sued me for a debt I didn't owe. They have, for months ignored my requests to verify the debts they are reporting to the major bureaus. They are reporting 3 seperate accounts, with seperate amounts due. The first account is {$1700.00}, next {$1200.00} and {$0.00} for the 3rd account. They sued and subpoened me in XX/XX/XXXX, and I entered a plea of not guilty. When I contacted the firm, they only wanted to discuss payment options. They have continued to report 3 seperate negative accounts, adversely affecting my ability to obtain the purchase of my first home. In XXXX of XXXX, they refused to respond to my request I sent for verification of the accounts. They received it via certified mail on XX/XX/XXXX. As of XX/XX/XXXX, they are still reporting derogatory information. 

This month, Conn 's changed the amount I owe to {$1900.00}, without notifying me of the changes.
Consumer complaint received 2021-05-08
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: CORELOGIC INC (TX)

not mine : fcra violatons XXXX XXXX XXXX - Closed 7 late payments Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount - {$20000.00} XXXX XXXX XXXX XXXX {$1800.00} Balance updated XX/XX/XXXX 2 late payments Account Info Hover over labels for more details Account number XXXX Account status Open Date opened Indicates the date an account was opened XX/XX/XXXX Account type Lease Paid Off : 4 % Balance on XX/XX/XXXX Loan Amount {$1800.00} {$1900.00}
Consumer complaint received 2020-11-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (NC)

Sunrise Credit Services reported on my XXXX  credit report as a debt collection account on XX/XX/20. This is a fraudulent account and I was a victim of identity theft. There is an identity theft report with each bureau which the account should have NEVER been reported on my credit file.
Consumer complaint received 2021-12-03
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (NC)

Citibank reference # 's : XXXX and XXXX I am the executor of my Aunt 's Estate. She had various checking and retirement accounts with Citi. I was able to close the checking accounts at a local branch, but they were unable to take any action on the retirement accounts. 

I have sent correspondence to Citi XXXX XXXX XXXX in XXXX XXXX, TX with the required legal documentation demonstrating that I am the executor ( with an original of the death certificate ) requesting that Citi identify to me the number of accounts that remain active and who the beneficiaries are, if any were named. 

My letters are datedXX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which also included withdrawal forms Citi asked me to complete. 

On XXXX XX/XX/2021 Citi issued XXXX checks to the estate of my aunt in the amounts of {$5500.00} and {$9700.00}. There was no explanation at all and no reference to the type of account the funds came from, or the account numbers. All I got were checks in an envelope marked " XXXX XXXX ''. No statement was provided to indicate how the amounts were determined. 

XXXX months after asking Citi to provide me account information and balances, I still have no response. I have no idea what accounts were open, what the balances were and whether some or all of the accounts have now been closed. 

I have made it very clear in my correspondence that by not providing me the information to which I am legally entitled, Citi is delaying the closure of the estate. The lack of responsiveness of this group, and the inability/unwillingness to respond to specific questions, has been very very frustrating. 

My specific request remains exactly the same. Tell me what retirement accounts my aunt had active at the time of her death. Tell me the account balances. Tell who the named beneficiaries were, or if there were none. And please close all the accounts.
Consumer complaint received 2020-12-03
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. (TN)

I recently reviewed a copy of my consumer reports and I notice that XXXX XXXX Formerly XXXX is reporting inaccurate information on my report. Acccording to 15 USC 1692 this is a violation. Several violations are being violated which are 15 US 1692 ( a ) ( B ) ( C ) ( D ) ( E ), I have attached a copy of my FTC report and my License/ssc.
Consumer complaint received 2022-04-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

A former apartment complex { XXXX XXXX  XXXX XXXX } that myself and my daughter lived at for approximately 2 months are fraudulently trying to collect a debt from us via a collection agency : { National Credit System }. They placed this debt on each of our credit reports stating that we damaged their carpets via pet urine. Although a former attorney that I had last year emailed them showing verification that my daughter is severally allergic to pet danger. Therein, proving that we would never have a pet in the home. They also kept our paid deposit as a result of this illegal and unethical act. 

Can you please help us as my daughter is only XXXX XXXX XXXX and does not need her credit damaged because of this falsehood. Additionally, I even told National credit systems representative XXXX XXXX } that I would pay the false debt if she sent me proof in writing that the collections would be deleted after payment. But, she refused to do so, stating that I should just take her word for it. 

Additionally, National credit systems never sent me anything in writing before placing this debt on our credit files. This is also against the fair credit reporting act.
Consumer complaint received 2021-12-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (FL)

A Domestic Wire Transfer was initiated on XX/XX/2021 for {$9200.00} from Chase Bank to a XXXX Bank account. The money was never received by the account recipient. Chase removed the amount from my account and claims it was sent to XXXX Bank. XXXX Bank claims they never received the funds. After numerous phone calls for 2 days straight both banks claim they do not know where the transferred money is. Todays current date is XX/XX/2021 and there is no news on where the wire is. Neither bank is taking accountability for the money. They continually bounce me around to other departments on the phone claiming there is nothing they can do. Each bank says the problem is with the other bank and try to release themselves of responsibility and offer no assistance in communicating with the other bank to resolve the issue.
Consumer complaint received 2021-05-08
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (WA)

We traded in a vehicle early and had an early termination of our lease on XXXX. The final play off check ( {$19000.00} ) was sent to Chrysler Capital by the dealership on XXXX. Chrysler Capital lost the pay off check and have admitted it was their fault but not until just last week. Because the check was lost and the lease not terminated our account became delinquent. We got the first notice on XXXX. 

Chrysler Capital told the dealership that the check the supposedly never received was short and demanded more money from them ( {$490.00} ). The dealership send in more money on XXXX but not until we received another delinquent mark on our credit report. The additional funds were sent in by the dealership in the amount of Finally Chrysler Capital demanded another pay off check be send in for the original ( {$19000.00} ). In order to close the account. The dealership sent the check on XXXX and it was received and signed for on XXXX. Chrysler Capital admitted that for 12 days the were unable to locate this 3rd check and again we received another delinquent mark on our credit reports. 

Chrysler Capital was finally able to find the check and post it to close the check. 65 days after I first spoke with them to try to find a solution. Now they are not responding with the needed information to update our credit reports. 

Throughout the process I have been told countless mistruths, been given misleading fact, been told this was all my fault. We have been promised but never received a speed resolution, call back from managers, and documentation. You are unable to reach directly those people who are assigned to you account. You are unable to reach managers. Emails are never returned. 

We are in the process of buying a home and closing is contingent on Chrysler updating our credit and providing necessary documentation. They have known from day one that this is a time sensitive request but have made no good faith effort to resolve the issue which will potentially cost us thousands of dollars and the lose of a custom built home.
Consumer complaint received 2020-12-31
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (OH)

we signed up for a covid relief for 6 months withXX/XX/XXXX near the end of agreement XXXX sold our mortgage to another bank, XXXX had agreed to put the missing payments at the end of our loan and no late fees or any discrepancies at all the new lender that XXXX sold us too Carrington Mortgage is not honoring the agreement made with XXXX and wants all 6 payments now!
Consumer complaint received 2021-05-08
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)

These loans are not mine THEY DO NOT BELONG TO ME I HAVE NOT SIGNED OR APPROVED THESE LOANS I DO NOT KNOW WHY THEYWERE TAKEN OUT OR WHY UNDER MY NAME OR WHO USED MY INFORMATION THIS IS NOT MY ACCOUNTS. I HAVE BEEN GOING THRU WITH ALL THE BUREAUS AND NOTHING HAS BEEN DONE!!! I HAVE OPENED AN FTC AND NOTHING IS HAPPENING> Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX  Account Number : XXXX Reason : This is not my account
Consumer complaint received 2021-05-08
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. (CA)

These loans are not mine THEY DO NOT BELONG TO ME I HAVE NOT SIGNED OR APPROVED THESE LOANS I DO NOT KNOW WHY THEYWERE TAKEN OUT OR WHY UNDER MY NAME OR WHO USED MY INFORMATION THIS IS NOT MY ACCOUNTS. I HAVE BEEN GOING THRU WITH ALL THE BUREAUS AND NOTHING HAS BEEN DONE!!! I HAVE OPENED AN FTC AND NOTHING IS HAPPENING> Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX  Account Number : XXXX Reason : This is not my account
Consumer complaint received 2019-08-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I, XXXX  XXXX XXXX Post XXXX and XXXX   XXXX Veteran of the United states XXXX and California XXXX XXXX XXXX Cell No> XXXX and email address XXXX XXXX mailing address XXXX XXXX  XXXX  XXXX  Nv XXXX respectfully request if you can accept and process my latest complaint that I filed with you before concerning the XXXX XXXX XXXX   XXXX  XXXX located at XXXX  XXXX XXXX XXXX Nv XXXX Phone No XXXX. Also the Finance Company that did not investigate this vehicle before financing it called XXXX XXXX  located at XXXX XXXX   XXXX XXXX XXXX  XXXX, Ca.Zip XXXX also XXXX XXXX  XXXX XXXX, Ca. XXXX phone nos XXXX and XXXX  and last the Law office that is trying to still re coup the $, XXXX from the lemon XXXX that the XXXX police illegaly towed after it completely stopped running called XXXX XXXX XXXX  XXXX  XXXX. XXXX , XXXX Located at XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX  Az XXXX  Tel no. XXXX Letter from them dated XX/XX/XXXX. Their letter to me states: Please be advised that this law firm represents XXXX  XXXX. Our  client has acquired the outstanding indebtness that was origionally owed to XXXX  XXXX. Others may have owned the outstanding indebtness before our client acquired it. The following claim related to a XXXX    XXXX XXXX  with Vehicle Identification Number XXXX  has been placed with our firm for collection The original acct is #XXXX for the ampunt of $ XXXX  which consists of $XXXX and intrest in the amount of $#XXXX Intrest is accuring on the $XXXX FromXX/XX/XXXXper annum until paid etc. My complaint is that after I was suckered into buying the XXXX after I put down XXXX of my own va XXXX money the car stopped running within 2 months and where it had stopped running on XXXX  in XXXX  nv the XXXX police gave me three minutes to get the car started and off the street or they would have it towed . well they did just that . This happened around XX/XX/XXXXor XX/XX/XXXXwhen I purchased that lemnon. Nevada don't have any lemon laws so I am stuck with this bill which has really damaged my credit score to a XXXX  on all three credit breaus . I cant even get a new car without putting down a huge down payment which I don't have and I need a new or a very descent vehicle to get me and my wife to our appointments etc. I respectfuly request that this be investigated and this negative credit information be removed from all three credit breaus in addition to swift justice being served to XXXX XXXX  XXXX XXXX  XXXX for selling me this piece of junk . XXXX XXXX file no is XXXX. Thank you for assisting me in this matter. Sincerely . XXXX XXXX
Consumer complaint received 2021-05-08
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)

These loans are not mine THEY DO NOT BELONG TO ME I HAVE NOT SIGNED OR APPROVED THESE LOANS I DO NOT KNOW WHY THEYWERE TAKEN OUT OR WHY UNDER MY NAME OR WHO USED MY INFORMATION THIS IS NOT MY ACCOUNTS. I HAVE BEEN GOING THRU WITH ALL THE BUREAUS AND NOTHING HAS BEEN DONE!!! I HAVE OPENED AN FTC AND NOTHING IS HAPPENING> Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX Account Number : XXXX Reason : This is not my account
Consumer complaint received 2022-04-07
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. (GA)

In accordance to the Fair Credit Reporting Act : XXXXXXXX XXXX acct numberXXXX XXXX XXXX XXXX acct number : XXXX Both have violated my rights. 
15 us code 1681 section 602 A. States I have a right to privacy.

15 us code 1681 section 604 A section 2 z. Says that a consumer reporting agency can not furnish any account information with out my consent.
Consumer complaint received 2022-04-07
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC (IL)

Hello this account was either drop from my credit report or discharge in bankruptcy I have not had a light bill in my name in ages this is fraud. 


XXXX XXXX XXXX Original creditor : XXXX XXXX
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (CA)

I am beyond flabbergasted by One Main Financial /Spring Leaf Financial. I had a debt with them that went to collections. Once  reported on my credit report I made arrangements to settle the debt for about XXXX. Once I did that I was told it would be updAted with the credit bureau within 30 days. Ive had 10 conversations with one main and now 40 days later they have only updated that I still owe a balance of {$860.00} which is a lie. What is the point of settling a debt when they dont uphold their end of the deal. I spoke with their litigation department and a supervisor many time and still nothing. I was provided a letter stating the balance was {$0.00} two weeks ago and still nothing reported. I had my lender submit a request to the bureau as I need this updated prior to closing on a home loan and still nothing. This is insane at this point. I was just told today it should update XX/XX/XXXX when they do reporting. That will make it 60 + days which is not what was told to me from the beginning. At this point XXXX dont know what to do and this company is giving me the runaround.