davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-22
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: Experian Information Solutions Inc. (AL)

I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that DON'T belong to me. I've called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. 

I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2017-11-15
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: LEXISNEXIS (LA)

On several occassions I have contacted XXXX to verify and VALIDATE the allegied bankruptcy that is being reported on my credit profile. They always come back saying it has been verified but never validated!. I have a letter from the bankruptcy courts saying they do not give out that information so inorder for them to be reporting CORRECTLY per FCRA REQUIREMENTS that in fact XXXX XXXX XXXX is the one thats showing as whom is reporting it and they ARE NOT. XXXX XXXX lies and to catch them in a lie I contacted on XX/XX/17 LexisNexis and they tell me they get their information from XXXX but yet XXXX states they get it from LexisNexis. They are caught in a lie and they are NOT upholding the FCRA REQUIREMENTS.
Consumer complaint received 2024-03-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: London & London (CT)

In XXXX London and londan XXXX me. We settled on a payment plan which I paid on time for several years. XXXX per week on XXXX dollars. I asked for a breakdown of payments and I was ignored. Then I went through a hard ship, after sending a writer letter asking for some extra time London and London never replied. At that time I still had a lien on my home as another way for London to get there money. Also during this time XXXX XXXX XXXX XXXX XXXX which was the original loaner is still calling demanding money. How is this possible. Finally in XXXX London and London garnished my wages and jacked up the loan amount too XXXX. XXXX XXXX XXXX XXXX XXXX is still calling and treating just like London. London verbal abused me on every call. As of XX/XX/year> this is still happening and I dont know what to do..? Still no print out nor communication. Please help me sue and get them off my back. Thank you I
Consumer complaint received 2023-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC (FL)

I previously had a credit care with CB Indigo. This account was closed and paid in full XX/XX/2022. I received notice today the account is reopened with a balance. I have attempted to contact the company without resolve. This is fraudulent activity I would like removed immediately.
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX, I submitted via certified mail in which was signed for on XX/XX/XXXX, a notarized FTC report, notarized police report, notarized personal statement and copy of my credit report including highlighted fraud and inaccurate items to the credit bureau. Per my request and FCRA rules the bureaus had 3 days to remove all listed fraud accounts and incorrect information from my profile however they only removed some items. I have given the bureau ample time past the allowed time given via the law to remove all fraud items and associated inquiries yet they are refusing. I have had a fraud alert and have taken proper legal precautions, such as flag my social and replace my DL since XXXX. I have even disputed such items and the bureaus have refused to properly verify the validity of such accounts, now they are refusing to remove them even with a Federal report and police report backing me as validity that the accounts are fraud. Please remove remaining fraud items from my report. 

Experian- remove all inquiries and XXXX XXXX credit card with balance of XXXX, XXXX XXXX- remove all inquiries and XXXX XXXX XXXX XXXX credit card with balance of XXXX, XXXX XXXX- URGENTLY remove all inquiries, two XXXX accounts, XXXX XXXX credit card with XXXX balance, XXXX account, XXXX XXXX  account, XXXX and XXXX XXXX credit card .

I don not have account numbers as I am not the original owner of these account and neither credit bureaus has given me any complete information on these accounts including account numbers.
Consumer complaint received 2017-07-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P. (TX)

Paramount recovery has been carring a debt XXXX since XX/XX/XXXX on my credit report, I have requested a copy of the original bill I keep getting a ledger copy with no information of what it was for. The billing was disputed, as any bills would have been paid by my employer insurance at the time. What I keep getting ( lrdger copy ) is showing line XXXX and sent to Paramount XX/XX/XXXX. I recently inquired again, and I received the same information in addition to a letter address to XXXX, XXXX XXXX XXXX XXXX XXXX, Tx XXXX Acct # XXXX billing for XXXX. I will send XXXX XXXX information to him, but I am concerned Paramount is send customer information to other customers. XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , TX XXXX Payment Information Toll Free XXXX
Consumer complaint received 2017-07-30
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. (OR)

XXXX XXXX collection company is still reporting my account as open to all three credit bureaus when in fact it is CLOSED ( per their answer to previous complaint filed with cfpb ) and should be deleted from credit reports per Chapter XXXX bankruptcy. Despite numerous requests, the account status remains incorrectly reported as open on my credit reports with Transunion, XXXX, and XXXX.
Consumer complaint received 2019-10-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MO)

XXXX XXXX foreclosed on my duplex for a loan that was paid off and released XX/XX/XXXX. 
XXXX subordinated to a mortgage on my duplex XX/XX/XXXX. 
This mortgage was released XX/XX/XXXX. 

The recorded deed of trust has no exhibit A showing the legal description. 

XXXX XXXX subordinated to a second mortgage released in XXXX. 
The final XXXX XXXX loan should have been released in XXXX instead of the second release of XXXX XXXX XXXX. XXXX  transfer to XXXX paid off the mortgage assigned to XXXX XXXX in XXXX. XXXX transferred to XXXX XXXX for ... ....? Nothing.
Consumer complaint received 2019-03-05
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (MA)

I have 9 Federal student loans with XXXX XXXX XXXX XXXX. ( Totaling {$30000.00} ) When I graduated the loans remained in deferment for a period of time. I was NEVER notified when loans became due for repayment. Once this was discovered, I called XXXX XXXX XXXX to rectify the issue. I was informed that the issue was resolved yet my credit rating does not show that. XXXX XXXX XXXX   states my account is past due for 4 months ( XXXX ) in 2017. I have disputed this with credit bureaus. While the results state there has been an update, the credit reports still show the late payments. There have been no late payments and the account is up to date since speaking directly with XXXX XXXX XXXX. I do not believe I should be penalized for not being informed when the loans became due. I made a good faith effort to resolve the issue yet continue to be penalized due to the credit reporting. 
I would like the credit report to be updated to reflect no late payments.
Consumer complaint received 2017-07-30
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. (OR)

XXXX XXXX company is still reporting my accounts as OPEN on my credit reports when in fact they are closed and should be deleted from credit reports per Chapter XXXX bankruptcy.Despite a request to XXXX XXXX ( XXXX 2016 ) and several disputes requests with all three credit bureaus ( Transunion, XXXX & XXXX ), the accounts still show as open.
Consumer complaint received 2019-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am unable to unlock my credit reports on all three credit reporting agencies. I have supplied them with letters requesting to unlock my reports. 
No action was taken. No response. My credit reports are still blocked. 
I started this process one year ago, and in some cases three times to the same agency.
Consumer complaint received 2019-10-29
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. (NY)

I am unable to unlock my credit reports on all three credit reporting agencies. I have supplied them with letters requesting to unlock my reports. 
No action was taken. No response. My credit reports are still blocked. 
I started this process one year ago, and in some cases three times to the same agency.
Consumer complaint received 2017-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FIDELITY CAPITAL HOLDINGS, INC (TX)

I filed for bankruptcy thru my attorney XXXX XXXX on XXXX.2017 and got my discharge ( No : XXXX ) from US Bankruptcy Court XXXX District of Texas on XXXX.2017. I checked my credit report on the XX/XX/XXXX and saw that Fidelity Creditor Services Corporation has filed a a new collection claim under a new
Fidelity Information Corp. All other claims have fallen of except for Fidelity Corp ( for XXXX XXXX XXXX ). When I called Fidelity ( a CA based Corp ) they said they never got my discharge. I know this is a lie and a cheap trick because they are moving the claim from one corporation to the other. And, therefore claiming Fidelity Credit Services never got the discharge! This is a fraudulent activity. My debt to XXXX XXXX XXXX pursued by Fidelity Information , Creditor Services and/or any other subsidiary of Fidelity Information Corp has been erased by the US Bankruptcy Court on the XXXX of XXXX, 2017. And, it should not hit my credit report as a collection that requires attention. Account XXXX : XXXX Fidelity Information Corp. XXXX XXXX XXXX XXXX. XXXX, CA XXXX. Fidelity Creditor Services XXXX XXXX XXXX XXXX, CA XXXX Please, get these unscrupulous people of my back. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (FL)

I was alerted to possible fraud on my account by Goldman Sachs ( XXXX XXXX ). I immediately checked the transaction. The bank had flagged the two subsequent ones and declined them but the first one went through. I called them and notified it was fraud. My account number was changed and then days later I saw a temporary credit for the amount. It was {$2500.00}. A few days later I receive two emails. The first one saying that they ruled in favor of the merchant ( the merchant is in the XXXX, I live in Florida ) and that I would be responsible for the charges. The second email stated my account was closed! The entire account was closed. I called them to ask what was going on. They said because my account was closed they could not help me. They were extremely unhelpful. I explained that this was clearly fraud, the merchant had tried to charge my card after the initial charge and it was declined, and then another fraudulent charge was also declined. I had immediately contacted them. They could not provide me with any documentation why they ruled in favor of the merchant and why they closed my account. I am enclosing copies of everything I have.
Consumer complaint received 2017-07-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Credit & Collection Corporation (TX)

Starting the last week of XXXX 2017 I have received numerous phone calls from GCC, Global credit & collection agency. Nobody answers, just a recording. I owe no debt and my credit report is excellent. I believe these people are scamming and our fraudulent. They use several phone numbers, XXXX and XXXX. I have not talked to them or given out any information since the info I have found out on them from Consumer Affairs they are scammers. I believe they are a company in XXXX.
Consumer complaint received 2022-03-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

My wife and I applied for a loan modification with Bank of America due to ongoing medical expenses becoming too expensive. My wife 's illness comes with a lot of expenses so we reached out and applied to see if we could lower our payments. We were assigned a direct contact, XXXX XXXX XXXX XXXX XXXX XXXX We submitted all the paperwork and answered all the questions. The loan modification approval came back but they wanted to INCREASE our payments, not decrease. We were shocked and disappointed. I asked XXXX why the payments would be higher when we were trying to lower them. She had no good explanation. I asked if she could reveal the terms but she told me she could not tell me any of the terms. We had to accept the modification and pay the XXXX trial payments in order to find out what the new terms would be. This seemed like predatory lending to me, why would a family accept a higher payment without being disclosed the terms? Either way, on that same call we politely DECLINED the offer and agreed to continue paying our regular mortgage payment. Now to my surprise, my mortgage statements are saying that we are participating in a loan modification and to pay the higher amount. I will include a copy of this. I have called and left XXXX detailed messages for XXXX XXXX and she has not returned any of my phone calls. Not only did Bank of America not assist us in reducing our payments to make them more affordable, but they want to increase it without sharing the details. We DECLINED the modification but our statements say something else. Please help
Consumer complaint received 2017-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (MD)

I closed my XXXX XXXX XXXX XXXX XXXX account ( XXXX ) in XX/XX/XXXX on good terms after years of service and paying bills on time. In XX/XX/XXXX after moving out of state, I started receiving calls from debt collectors about an outstanding balance ( ~XXXX $ ). After arguing with the debt collectors I waited on hold for a good while to speak with XXXX. For a while they convinced me my identify was stolen and I began pursing that. After a few hours I realized it was n't that bad and they just never closed my account and continued billing me. I called XXXX and waited on hold again to speak with someone who had the recording of the call where my wife closed the account on good terms. They needed to take time to review this 2 minute call and called me back some time later and said that I had XXXX balance and they would resolve this issue with the debt collectors ( this was XX/XX/XXXX ). Today, ( XX/XX/XXXX ) I received another call from debt collectors about the same debt that I supposedly had resolved with half a days effort. I called XXXX again and now they claim I have a ~XXXX $ balance and will not contact the collection agency regarding the erroneous XXXX $ until I pay this XXXX. I do n't trust that this XXXX $ is real debt as my XX/XX/XXXX call said that the matter was resolved. I do n't not think they should be able to leverage XXXX $ of erroneous debt to collect XXXX , real debt or otherwise. I explained to The CBE Group IncXXXX over the phone several times that this debt was not legitimate and they needed to re-verify the debt with XXXX XXXX. As far as I can tell they are legally required to do so, but have not. They continue pursuing collection of this erroneous debt.
Consumer complaint received 2019-10-29
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC (TX)

I have disputed this debt with the collection agency and submitted to them documents they have asked me a month ago, they said this is under investigation and they are sending it out to their partners that was a month ago, this week Saturday on the XXXX XXXX my credit fell behind 80 points due to a remark from this collection agency a negative remark that I am late 5 months, I called and asked to speak with a manager and he confirmed this is still under investigation but yet added a late remark on the account he told me he will remove this remark but he didnt he said this is a recorded phone like he is the manager name XXXX and assumed me this remark will be removed as its still under Investigation yet he still didnt- why would they add a remark when this account is under investigation yet why would the manager confirm he will remove this remark and NOT remove it? I have done everything they have asked me to do, to send detailed insurance information to send insurance on the day of service they asked me yet I havent heard anything back from them but they add a remark?
Consumer complaint received 2019-10-29
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: EQUIFAX, INC. (NY)

I am unable to unlock my credit reports on all three credit reporting agencies. I have supplied them with letters requesting to unlock my reports. 
No action was taken. No response. My credit reports are still blocked. 
I started this process one year ago, and in some cases three times to the same agency.
Consumer complaint received 2017-07-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation (TX)

I have made several attempts with this company to receive the proper debt validation on this debt they allege I owe them. There have been multiple certified letters and to date the information requested has not been provided. The collection agency has reported this debt verified to the credit bureaus so I am well within my rights under FCRA to request the legal supporting documentation to validate this debt. As you can see, United Revenue will only respond that this is an emergency debt and my claims are frivolous. Requesting documentation that validate this debt that are reporting on my credit profile is not frivolous. If they have proof of what is owed and can validate this debt then they should not have no issue supplying what is requested. This explains why there are multiple unanswered complaints from them to the Better Business Bureau-their operation is not being conducted legally!
Consumer complaint received 2022-01-05
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (TX)

Since 2016 XXXX has refused to allow me to enjoy the health benefits that my company provides. First, they didnt understand that a XXXX  citizen had a XXXX XXXX ( XXXX ) and not residence or USA citizenship. I explained to them it was due to my status as an XXXX. After that, XXXX closed the account ( 2016 ) that my company had opened. I have spoken several times to try to activate my account. They have asked me for different documents that I have provide. Among which are my Work Permit, Social Security card and a multitud of oficial and bank documents that show my current address. However, they refuse to activate my account. I believe that due to my immigration status and my condition of XXXX
Consumer complaint received 2024-03-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (TX)

I transferred funds into my Marcus account from XXXX financial institutions to complete an indirect IRA transfer, I waited until the Marcus webpage indicated that the funds were " available for use '' and then initiated a transfer at the new IRA XXXX to pull the funds from my Marcus account, I received two calls from Marcus and I verified the recent transactions in my Marcus account. I was shocked to get a call that Marcus would not honor the full amount of the funds pulled to complete the indirect IRA transfer despite the full amount showing as " available to use ''. When I spoke to a supervisor on the phone, she was unable to tell me when the full funds would be available to transfer out to complete the indirect IRA transfer, I was told that the availability date was up to their discretion. The funds that were not available to complete the transaction were from a transfer that was initiated on XX/XX/XXXX and shown to be available on XX/XX/XXXX. I initiated the fund transfer request from the new IRA XXXX  on XX/XX/XXXX. 

I requested to speak to her supervisor but was told that there was nobody for her to transfer me to satisfy my request. 

I have been a Marcus customer since XXXX. I am very disappointed in Marcus ' inability to give me concrete answers to the availability of my funds despite their system indicating that my funds were " available for use ''. I will suffer damages for the failed transfer to complete the IRA indirect transfer.