davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-01
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. (TX)

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX  XXXX/XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account was paid in full in XXXX, 2019 in the amount of {$4500.00}. I have attached a copy of my checking account log verifying payment of same. This incorrect reporting is harming my credit score and this line item needs to be updated to report accurately. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Consumer complaint received 2016-08-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: CITIBANK, N.A. (LA)

After obtaining a copy of my credit I noticed Citibank/XXXX XXXX on my credit file for student loans. First I have no recollection of them ever having my student loans. So I dispute the items with the credit reporting agencies, which the updated themselves as new information. I contacted Citibank/XXXX XXXX requesting that the account be deleted from my Credit Reports based on the fact that it was sold. XXXX XXXX XXXX XXXX ( Citibank ) must furnish account information to the national credit reporting agencies in accordance with Section 623 of the Fair Credit Reporting Act, Appendix A to Part 660, Title 16, Code of Federal Regulations, and the Consumer Data Industry Association 's Credit Reporting Resource Guide. Page 10-1 provides that accounts may be deleted if the account has been forwarded or sold to another agency, if the account was cancelled and returned to the original creditor, if the account was reported in error, or if the account has been confirmed as fraudulent. Citibank sent me a letter stating the FCRA required creditors to accurately report information to credit reporting bureaus about loan accounts and payment history. That they have reviewed my account history and have not identified any errors and they will remain for seven ( 7 ) years. 
I replied again requesting that the account be deleted from my Credit Reports based on the fact that it was sold. XXXX XXXX XXXX XXXX ( Citibank ) must furnish account information to the national credit reporting agencies in accordance with Section 623 of the Fair Credit Reporting Act, Appendix A to Part 660, Title 16, Code of Federal Regulations, and the Consumer Data Industry Association 's Credit Reporting Resource Guide. Page 1-1 of the Guide explains that " Both credit grantors and consumers depend upon consumer reporting agencies to acquire and maintain accurate credit histories. '' Page 10-1 provides that accounts may be deleted if the account has been forwarded or sold to another agency, if the account was cancelled and returned to the original creditor, if the account was reported in error, or if the account has been confirmed as fraudulent. 
So since this account was sold to XXXX from the letter from XXXX this account must be deleted. Citibank/XXXX than replies in order for them to review information that I believe has been reported in error, to send them an letter of explanation and a copy of my credit report. I sent them a letter of explanation the first time and they claimed they reviewed it and found no errors, I sent a follow up letter now they want another. Citibank/XXXX know what they are reporting because they are the ones reporting it. I should have to send them information they are reporting when they already admitted to what they are reporting.
Consumer complaint received 2017-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NJ)

eqifax claim i have a tax lien, court house do not report to credit bureau they claim they got information from third party from XXXX XXXX, XXXX XXXX dont show no report of tax lien i been fighting this since XXXX of XXXX as now they refuse to removed the tax lien unfair practice.
Consumer complaint received 2017-06-30
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (CA)

Issued card with {$12000.00} limit. Tried to use card 4 different times, calling the CC Company between attempts. Issue never resolved. Ultimately returned cards and advised Synchrony to close account.
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See attached for full chronological sequence and details.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  clearly states that transactions between the consumer and the XXXX XXXX XXXX report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of XXXX XXXX ss XXXX Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2022-09-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NC)

I made two payments for my student loans with Ed Financial on XX/XX/2022 and XX/XX/2022, each for {$1000.00}. After reviewing my payment history recently, I saw some of the funds from each payment had been applied to the wrong loan group. It took me several weeks just to get in contact with someone from this company, and when I finally did, I was able to have a request submitted to fix the issue. The customer service rep quoted me 3-5 business days to resolve the issue. I then call back after that amount of time to confirm they were still fixing it, only to be quoted 150 business days. The rep said that due to a system error on their part back in XXXX, they incorrectly applied funds to a lot of people 's accounts and are now having to fix it, thus the long wait time. An error on such a scale is cause for a reevaluation of how this company is working internally. Especially when this literally is a misplacement of millions or even billions of dollars.
Consumer complaint received 2022-03-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CT)

This week, PayPal suspended their services in XXXX. Despite having all the data, they did not bother to notify the impacted customers here, in the US. Not a single email to those who transfer money regularly to warn about the upcoming change, and no information on the website. " You can't send money right now. Your recipient can't accept payments right now. '' is the only message I received when trying to pay a teacher in XXXX. PayPal is known for poor customer service, but this is a new low.
Consumer complaint received 2022-03-10
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: ACIMA CREDIT, LLC (TX)

I have attempted to make contact with Acima XXXX XXXX XXXX to validate this debt they claim I owe. I haven't received any type of verification, response, etc. but Acima can verify with XXXX on XXXX XXXX, 2022 picture attached below. Why can not they reply to my validation letter that was sent XXXX XXXX, 2022? ( Picture attached )
Consumer complaint received 2022-09-08
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: BARCLAYS BANK DELAWARE (NJ)

I went for a timeshare presentation with Wyndham. They told me they will be checking my credit, but instead they used the information to open not one but two credit card accounts with over XXXX in credit. 

One credit card with Barclays, and another one with XXXX XXXX. This is absurd!
Consumer complaint received 2017-10-23
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. (FL)

I CHECKED MY CREDIT FILES AND THE FRAUDULENT INFORMATION I FOUND WAS ( XXXX XXXX XXXX FLORIDA XXXX XXXX ), ( XXXX XXXX XXXX ) ON THE PUBLIC RECORDS PART OF MY FILE. ALSO XXXX XXXX IS A FRAUDULENT ACCOUNT I GAVE NO ONE CONSENT TO USE MY PERSON INFORMATION TO OPEN THESE ACCOUNT. I ALSO ATTACHED MY POLICE REPORT. VERY IMPORTANT ALSO IN HAVE FRAUDULENT INQUIRIES ( XXXX XXXX CO, XXXX CARD, XXXX XXXX/XXXX, XXXX CO, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX  XXXX , XXXX , XXXX XXXX, XXXX, XXXX , XXXX, XXXX XXXX XXXX XXXX ). ALL FRAUDULENT INQUIRIES
Consumer complaint received 2022-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (CA)

I signed a contract with XXXX XXXX XXXX XXXX on XX/XX/2021. Claimant used the right to recind contract on XXXXXXXX see proof through email. This collector has continued to list this collection on my consumer report and attempt to collect a debt which DOES NOT exist although I've advised them multiple times.
Consumer complaint received 2022-09-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Federal Credit Control, Inc. (DC)

In XXXX, I received a written letter from First Federal Credit Control XXXX, noting that I had {$100.00} in past due medical debt from the XXXX XXXX XXXX XXXX and XXXX. I had no record of having this debt, so I went on the First Federal Credit Control XXXX website and filled out a dispute on their site for disputing debts : https : //ffcc.com/disputes. I completed the form and asked for debt validation, including the records associated with the debt. 

I never received any debt validation, in writing, or via phone. Instead, on XX/XX/XXXX, I received a repeat letter noting that I had {$100.00} in past due medical debt. This debt is false, and I've never owed it. Yet, First Federal Credit Control XXXX has reported this debt and had it put on my credit report, which was spotless prior to that. 

I have verified with The XXXX XXXX XXXX XXXX and XXXX that I don't owe them any debt.
Consumer complaint received 2022-03-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I recently noticed two accounts on my credit report. 

Account under the name XXXX XXXX has a status of closed charge-off and it was reported as opened on XX/XX/XXXX. I have contacted the company and I did not receive any information on the account. the credit bureaus did not provide any evidence of how the account was opened and it has been over 30 days. The amount reported is XXXX. 

Account under the name Bank Of America has the status of a closed charge-off and it is reported as opened on XX/XX/XXXX. Amount reported in XXXX. I have called multiple times and I am being told there is no account that exists. I asked the credit bureaus to investigate and I still haven't received anything. It is past 30 days on this investigation.
Consumer complaint received 2017-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (DC)

XXXX XXXX THIS ISNT MY ACCOUNT, NOR DID I EVER PURCHASE ANYTHING FROM THIS COMPANY. IT IS BEING REPORTED TWICE ON MY CREDIT REPORT. THIS IS EFFECTING MY CREDIT SCORE I AM IN THE PROCESS OF REBUILDING MY CREDIT, AND THIS IS A NEGATIVE IMPACT ON MY REPORT. I HAVE ATTACHED POLICE REPORT AND CREDIT REPORT
Consumer complaint received 2017-10-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

We are working on a short sale and the 1st lien received the file, processed it and approved the short sale. The 2nd lien was with XXXX and service transferred to SPS on XXXX/XXXX/XXXX. Of course it took 10+ days for the loan to port into SPS 's system, so we had delays - then we had to start from scratch ... even though the paperwork with SPS says that there will be no delays due to service transfer. SPS now has all documents, I have sent in the 1st lien approval ( along with highlighting the deadline to close of XXXX/XXXX/XXXX ) and have escalated the file as of XXXX. I called today for a status and was told that they WOULD NOT escalate the file, nor would they rush it. They will wait the 30 days from date the last document was received. 

SPS is in 2nd lien position - the 1st is with XXXX and is backed by XXXX XXXX. Why delay the file JUST BECAUSE when they are not able to negotiate the amount they will receive? Just another way to try to force clients into foreclosure.
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have attempted to get this issue resolved with TransUnion on several occurs dating back to XX/XX/2021 with no success. I have multiple unauthorized soft inquires and hard inquiries on my TransUnion credit report that I have brought to TransUnion attend and was notified there was nothing they could do, to contact each individual creditors listed to have them request the inquiry be removed. I made every attempt to contact all creditor 's listed with a phone number and was pretty much told, if they pulled my credit it was at my request ; that they could not contact the credit bureau to have the inquiry deleted/removed and was advised to contact TransUnion directly. I understand TransUnion encountered a Inquiry Issues/Breach, which I have information TransUnion on several different occurs since XXXX, via mail and phone that I am a victim of. TransUnion has been unwilling to assist in getting this matter resolved and has basically ignored my requests. As of today, XX/XX/2021 these inquiries remain listed on my TransUnion credit report. 

I have a physical copy of my credit report dated XX/XX/2021, where these inquires indeed have been removed and no longer appear on my credit report, but the credit report obtained on XX/XX/2021 shows these same unverified, unauthorized credit inquires. I contacted TransUnion again today, XX/XX/2021 in an effort to give them one more opportunity to correct this issue. After speaking with 2 Inquiry Issue/Breach and refusing to remove these inquiries which is confusing as I clearly have evidence these inquires were not on my credit report before XX/XX/2021. There inquires appear on my credit report in XXXX, they do not appear on my credit report in XXXX but appear back on my credit report again in XXXX, which is a clear indicator that this is a normal practice of TransUnion adding inaccurate/and unauthorized inquires to an individuals credit report purpose or as a result of a mishap within their organization. 

This complaint is being submitted to get your assistance in getting this unauthorized credit inquires removed from my credit report. 

Attached you will find a list of the inquiries in question :
Consumer complaint received 2017-10-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CO)

I had a discharged bankruptcy in XXXX. It is nearing XXXX years, and I was told by an attorney to ask for this bk to be removed from all credit bureaus. Some of the bankruptcies are supposed to drop off between XXXX years. I have submitted a request for removal before on at least XXXX credit bureaus. The other one ( I think XXXX ) requires a XXXX digit code from the item listed on the report. That XXXX digit code does not exist on the page I was to look it up on. I was unable to create a dispute or a request for that bankruptcy to be removed since I 'm past XXXX years and so close to XXXX years.
Consumer complaint received 2022-09-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Global Lending Services LLC (SC)

Due to the covid pandemic phase I had an extension on my loan and it caused my actual loan terms to go past the loan mature date. I was advised that I needed to continue to make my payments monthly until the loan was completely paid off. I was never told that because it went past XXXX of XXXX  that I would incur a monthly late reporting to my credit report. As of today XX/XX/2022 I am still being marked for being late in XXXX but I am current on my monthly payments. They have attached a {$1000.00} charge for XXXX payment which they can not give me a clear answer as to why they charged me that and what is was actually for. I have only {$430.00} left to pay on the loan which is my last payment of this loan contract and they want me to pay that {$680.00} they can't tell me what its for. I don't understand that now that my loan is one payment from being paid off they are reporting me late every month for going over the contact. in the loan it was never specified that if I go past the original loan contract date it would be an additional charge. They are tearing up my credit and this has caused me distress due to dealing with this issue with this loan company.
Consumer complaint received 2017-07-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Commonwealth Financial Systems, Inc. (NV)

XX/XX/XXXX Sent letter to get company to remove debt from my account. this has already been removed and is not my account. this and account has been going on since XX/XX/XXXX. I was never notified of this account in writing or call.
Consumer complaint received 2017-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

I mobile deposited an XXXX XXXX check to my Wells Fargo checking account on XXXX/XXXX/XXXX, XXXX XXXX 
Wells Fargo put a hold on this check till XXXX/XXXX/XXXX to verify this transaction for my security. 
I found out, there is a federal regulation to put a hold on suspicious checks for XXXX business days, not for XXXX days. 
XXXX bank is on this planet, even on the same continent. 
All it should 've been done, was a phone call, to XXXX bank to the other to verify the transaction, this is just a frustrated customer talking out loud ....
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NCB Management Services Inc. (WA)

These collection companies are reporting that I have an open account which is not under FCRA compliance. 

NCB MANAGEMENT SERVICES # XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Placed for collection:XXXXXXXXResponsibility : Individual AccountAccount Type : Open Account Loan Type : DEBT BUYER Balance : $ XXXXDate Updated:06/13/2021Original Amount : {$1400.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pay Status : >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXX Placed for collection:XXXXResponsibility : Individual AccountAccount Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : $ XXXXDate Updated:XXXXOriginal Amount : {$420.00} Original Creditor : XXXX XXXX XXXX XXXX Past Due : > $ XXXX Pay Status : >In Collection<Date ClosedXXXX Remarks : Completed investigation of FCRA dispute-consumer disagreed ; AFFCTD BY XXXX XXXX ; >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Placed for collection:XXXXResponsibility : Individual AccountAccount Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : $ XXXXDate Updated:XXXXOriginal Amount : {$360.00} Original Creditor : XXXX XXXX XXXXXXXX Past Due : > $ XXXX Pay Status : >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX
Consumer complaint received 2017-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I have been a customer at Bank of America for more than a decade and in XXXX I saw that I was charged a $ XXXX monthly maintenance fee. On website and by phone I was informed that I was charged the fee because I did not carry a minimum {$10000.00} balance. I had NEVER carried a balance that high. The bank claimed it had not changed policy, but representatives were unable to explain why I was suddenly assessed maintenance fees. I was again charged fee in XXXX, and bank refused to waive fee.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I just look at my credit report again and according to 15 USC 1681e ( b ) you are supposed to provide MAXIMUM accuracy of my credit report. 

ACCOUNTS XXXX  XXXX # XXXX XXXX XXXX / XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX 1.DELETE THIS ACCOUNT because of 15 USC 1681e ( b ), 15 USC 1681i ( 5 ) DELETE THIS ACCOUNT because the violation of 15 USC 1681e ( b ), 15 USC 1681 ( 5 )