davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

In XXXX I filed a Chapter XXXX with XXXX and XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX ( XXXX ) XXXX, this Chapter XXXX was discharged on XX/XX/XXXX. 
My wife and I applied for a loan refinance to lower our interest and get cash out for a vacation after XXXX. We were informed by our loan agent with Rocket Mortgage that XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX Texas ( XXXX ) had a bad debt listed on my credit report, for {$21000.00} and that XXXX XXXX XXXX  our mortgage carrier had placed a lien on our home. We were never contacted by XXXX XXXX concerning the alleged bad debt that XXXX XXXX was claiming we owe, we find this rather XXXX and since its XXXX XXXX! 

A XXXX representative said that their company bought the debt back in XXXX, obviously the company bought bad debt. I was never contacted by XXXX XXXX by phone or mail from XXXX through XXXX. If XXXX had contacted me I would have told them that the debt they were trying to collect has been discharged in a Chapter XXXX ( {$23000.00} ) XXXX XXXX should not have allowed a lien to be placed against our home this has cost {$12000.00} cash out, XXXX XXXX should have contacted us about the company approaching them with some alleged bad debt.
Consumer complaint received 2021-09-08
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. (TX)

Chapter XXXX Bankruptcy Account # XXXX Date Opened XX/XX/XXXX This account is from identity theft XXXX  XXXX Account # XXXX Amount {$500.00} Date Opened XX/XX/XXXX This account is from identity theft XXXX XXXX Account # XXXX Amount {$7000.00} Date Opened XX/XX/XXXX This account is from identity theft XXXX XXXX Account # XXXX Amount {$1200.00} Date Opened XX/XX/XXXX This account is from identity theft XXXX/XXXX  Account # XXXX Amount {$700.00} Date Opened XX/XX/XXXX This account is from identity theft
Consumer complaint received 2021-02-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC (NJ)

XXXX XXXX, a health club in XXXX New Jersey went out of business during the pandemic. They closed the gym for a period of time so I canceled my membership. And stopped the reoccurring payment on my credit card. 
XXXX XXXX, another fitness club moved into their space once XXXX XXXXXXXX was shut down. 
XXXX XXXX  now claims that I owe them for membership dues of {$140.00} I have no business or contracts with XXXX XXXX. Im not going to nor have I gone to a gym because of the coronavirus event. My credit card was reoccurring payment was canceled when XXXX XXXX  went out of business. XXXX XXXX  continues to try to collect this debt which I do not owe to them.
Consumer complaint received 2017-12-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

XXXX XXXX XXXX says I owe them {$140.00} as of the status date of XX/XX/XXXX I have NO idea about this debt whatsoever, and moreover, I dispute it. When I tried to contact the company, I was told they could n't find my information. 

Also, Portfolio Recovery Assoc says I owe them {$490.00}, as of the status date ofXX/XX/XXXX. I have once again, received NO information regarding this debt, and have not been able to have anyone contact me on the phone when I tried to call this company twice. They told me someone would return my call. No one has.
Consumer complaint received 2021-06-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (GA)

I called IC System Inc on XXXX 2021 and asked for a debt validation and verification letter about a collection that they put on my credit report this XX/XX/2021 acct # XXXX for the amount of {$580.00} which was a medical bill dated back on XX/XX/XXXX.she informed me that they didn't provide any such letter i just mentioned above and i had to talk to the original creditor which is XXXX XXXX XXXX XXXX i called them and they said it was out of their hand and the account was closed which lead me right back from where a started from didn't get any resolve or satisfaction to this matter .this medical bill is to old to be on my credit report and Georgia statue of limitation of 4 years already expired have tried to dispute this with several credit bureaus but IC system keep verifying this account as legit and correct when i know is not please help I need this collection report off my credit report
Consumer complaint received 2017-11-06
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 — Investigation took more than 30 days
Company: Innovis (IN)

I FILED CHAPTER XXXX BANKRUPTCY ON XXXX XXXX, 2017, CASE NO. XXXX AND XXXX FILED TO ADHERE TO COLLECTING ON SAID DEBT, AND KEEPS REPORTING INACCURATE DATA TO ALL BUREUS AND STILL IN NOT REPORTING TO XXXX.
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Experian continues to report incorrect information to my credit report despite me disputing multiple inaccurate information for years. I was never late with XXXX XXXX XXXX I was never late with XXXX.I was under a approved forbearance agreement back in XX/XX/2016for XXXX XXXX XXXX  and forbearance for XXXX .Also I paid my mortgage on time during the months prior and after my forbearance agreement for XXXX XXXX XXXX.Also Experian shows me never late for XXXX XXXX Credit Card which is true but has failed to remove the charge off comment .In addition they show my credit age of my credit report to only be 4 years old which is false my oldest open student loan for XXXX is 18 years old so my credit age should not just show to only be 4 years old.This is important for my credit score.Their failure to correct my  credit report has prevented me from getting hired for work.
Consumer complaint received 2019-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (FL)

I have been attempting to resolve this matter with XXXX ( and now XXXX XXXX XXXX ) since XX/XX/2017. I disputed it several times. It was finally removed from my credit and now has been re-reported this month. I have attached ALL notes including reference # s amounts, dates, names of my attempts to fix my bill, which was not handled by XXXX. The bill accumulated over the course of 6 months, while my services were shut off ( and still were being billed monthly ). I do not owe a single dime to this company. I was overcharged on a bill. I attempted to correct it. It was not corrected over and over and, over again. Because it was not corrected, I refused to pay the charges that were not owed. I was promised correction, calls back, and never received either. I finally gave up and had no choice but to not pay the accumulated bill. I am owed reimbursed hundreds of dollars it cost me to upgrade my hotspot on my cell service for months in order for me to work from home. This is the second time I have had to upload all of these documents in dispute. If it is not handled, I will be getting an attourney.
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 — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

My name is XXXX XXXX XXXX, I am looking into my credit and I see addresses that are not mine possibly belong to a family member or another person. I was married so my last name has changed from XXXX to XXXX. Please make note or update the correct information. My currently and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE DELETE REMOVE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXXXXXX 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (HI)

Re : One Main Financial Group abusing personal information, business license One Main Financial has been sending me aggressive high interest personal product information via post for last 5 months despite that I have requested 5 times via phone call and 2 times via email, to stop sending me any marketing or their product and service related materials for last 4 month.

I do not know how they got my personal information. I would like to investigate their obnoxious business practice and abuse of personal privacy and personal information, ASAP.

I have requested to stop sending me all aggressive high interest loan marketing and all other marketing materials to its staffs at XXXX XXXX and the XXXX Regional Manager. 
Then, they explained to me that they do not know how to help me opt-out of their mailing list. They only told me that they will try to see what they can do. Speechless ... .. 

Also, I can not verify if they are appropriately lincnesed for their business practice in Hawaii. From their website I can only see the following information : CA : OneMain Financial Group, LLC - Loans made or arranged pursuant to XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XXXX XXXX. CT : OneMain Consumer Loan , Inc. - NMLS # XXXX. NH : OneMain Financial Group, LLC XXXX # XXXX. PA : OneMain Financial Group, LLC Licensed by the XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 

For residents of the State of Washington only : OneMain Financial Group, LLC Consumer Loan Company License NMLS # XXXX
Consumer complaint received 2019-03-05
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 — Problem with personal statement of dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

About a week ago I initiated dispute with XXXX because I wanted the account to reflect the current total balance of my USAA card ( with {$15.00} limit ). The card was getting very close to being maxed out but recently my husband took a loan and we paid it down to {$3000.00}, but XXXX was still showing a total balance of {$9000.00}. Yesterday I got a notification saying that the credit dispute was completed and the account was removed from my credit report. Well, the card is still open and active, and it shouldnt have been removed from my XXXX, they should have just updated the total balance to reflect the current amount ( around {$3000.00} ). The account was removed from my XXXX  report and it hurt my credit score. I called both XXXX and Usaa several times and I can not get them to put the card back on XXXX  and they keep blaming each other. I want to get this fixed since paying down the card from XXXX to XXXX would surely reflect as a positive and add points to the XXXX  score.
Consumer complaint received 2019-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Credit Network Inc (UT)

Creditor Information XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX was sent a police report and cleared the account from my name and stated they removed all information and cease collection due to identity theft. However have sent the account to collection. This account needs to be removed immediately from XXXX XXXX XXXX and all credit reporting agencies otherwise I am seeking damages for the credit reporting.
Consumer complaint received 2018-02-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (TX)

Im a XXXX year old trying to better my life and with that is to better my credit I recently have cleard things off my credit but this company ERC just recently updated as a debt collector with out my knowledge of any kind of notice, and was from XX/XX/XXXX they are just saying now that it recently got collected? It ruined my credit so fast, compared how long it takes to establish my credit it feels horrible I was looking foward to financing my first car and was told this morning XX/XX/XXXX That I  had debt collection of XXXX $ so was not approved and now I will add more to my hard inquiries.
Consumer complaint received 2021-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021, I checked my Available Balance in my Bank of America checking account - using the Bank of America mobile and web apps - at approximately XXXX PT. I confirmed that there were sufficient funds to cover an impending withdrawal of {$2400.00} from a check sent to my landlord. 

I later confirmed that the {$2400.00} in funds was withdrawn successfully from my account, with plenty of available funds, leaving {$290.00}. This is still documented on my account, as documented in the attached screenshot of the mobile app. 

The following morning, despite more than {$4100.00} being deposited into the account, I learned that the check was " returned '' and an overdraft fee of {$35.00} was charged. 

After speaking with several representatives at the bank, XXXX ( XXXX ) confirmed that the bank erred in several important ways, and is clearly misleading customers about their available balances. XXXX confirmed that she would file an internal complaint on the following issues, and I stated that I would do the same. 

These issues are : Mobile and web apps - The bank 's own apps are providing incorrect and misleading Account Balances. The bank claims that, only on the web app, there is a separate area of the app that shows which checks have " posted '' and therefore, what the actual account balance is. This is incredibly misleading to average consumers, such as myself. I have been a customer of this bank for more than a decade, and this has never happened before. I have attached a screenshot which confirms that {$290.00} was remaining in the account after the check was withdrawn, proving that the check should not have been returned. 

Overdraft Fee - I was told that the Overdraft Fee can not be returned to me while " processing. '' XXXX confirmed that this is incorrect and she returned it to me. 

Overdraft Protection -My Overdraft Protection was linked to a closed savings account, yet I was not told this, so the checking account did not pull from the correct account when it needed to. XXXX confirmed that this is incorrect and misleading. 

Notification - I was not notified in a timely manner about the overdraft. XXXX confirmed that this needs to be corrected.
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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

To whom it may concern, Reason Code : Violation I have been informing XXXX in writing since XX/XX/XXXX about inaccuracies regarding a Public Record they are reporting on my credit report. They have failed to perform a proper investigation and continue to claim the Public Records have been verified as accurate and/or verified by XXXX XXXX a third -party vendor. This went on from XXXX through XXXX. 

Next, I received a letter from XXXX in XX/XX/XXXX stating the disputed items have been verified by the Credit Grantor ( s ) and that they will NO LONGER investigate unless I sent documents to support my dispute. Again, I sent them all information to support my dispute. 

Finally, they noted on my report that my dispute is not specific. However, Ive been very specific about this matter. I included a copy of the original dispute asking them how they verified this information because information regarding the Bankruptcy wasnt correct. A list of the errors has been outlined on numerous occasions, sent letters via certified/ signed receipt along with a copy of the credit report highlighted in yellow. After they kept telling me it was verified, I reached out to the Federal Courts via- telephone and in writing, asking if they furnished information to the bureaus about my public records and they informed me they do not confirm, furnish or verify public records with no one. The court mailed me a letter reiterating what they had informed me over the telephone. I then forwarded a copy of that letter, another detailed list of inaccuracies regarding the Public Records, a copy of my XXXX XXXX letter that also indicated my information was suppressed, a copy of my utility bill, drivers license and utility bill as proof of my residency. Regardless of what I have sent, they have not fully investigated this account. Im requesting this item is deleted from my report. 

Transunion is also in violation and continues to state verified. However, they report they sent me on XX/XX/XXXX shows the last date they updated information regarding my Public record disputes was XX/XX/XXXX. Again, I've been disputing for four months. 

XXXX s also in violation. Their report dated XX/XX/XXXX states the item remained unchanged from their processing of my dispute in XX/XX/XXXX. Again, I've been disputing for four months
Consumer complaint received 2019-03-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NE)

I purchased a hot tub from XXXX who just happens to be Mattress-Firm. Synchrony Bank underwrites all of Mattress-Firms credit accounts. My problem is with how Synchrony Bank processes payments. My payments was made on: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. Yet Synchrony bank first email me in XXXX  saying I was late on payments. I immediately called in and talked to a very nice Customer Service  rep. who explained that Synchrony Banks statement dates/Billing cycles start on the first of each month and are due on the XXXX of each month. So the payment I may on XX/XX/XXXX which I thought was for XXXX, was written as a second payment for XXXX  and the payment made on XX/XX/XXXX which I thought was for XXXX, was written as a late payment for XXXX. Notice, there technically is no XXXX payment (because I thought the XX/XX/XXXX payment was for XXXX). So synchrony back is saying that I failed to make a payment in XXXX. Not only has Synchrony bank charged me multiple late fees (which they did reverse) but they have also reported me as making late payments to the credit burroughs harming my credit rating's. As I stated before, Synchrony bank did reverse/wave the late fees I was charged. However, Synchrony bank flat refuses to admit that I have been making payments and is standing firm that I never made a XX/XX/XXXX payment. They are demanding that I make another payment to catch my account up. What is even more annoying about this, is the fact that the payments I have been making are $XXXX  more than my monthly payment.
Consumer complaint received 2021-06-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CONGRESS COLLECTION CORP (MI)

Two years after seeing the doctor I received a letter from a collection agency about an unpaid bill. I provided in writing a copy of my banking transaction and asked them to stop. They never replied and began harassing me by phone three times daily. In order to keep the debt active they also created other fake accounts with the same exact amount as the original bill. Please help stop this abusive behavior, I have no one else to turn to.
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Certegy Holdings, LLC (CA)

ACCOUNT # XXXX Was denied check acceptance so i contact the third party reporting agency and was told had and outstanding check from XX/XX/2015 I then stated this was not mine and had to be an error company has not properly investigated this information and continues to report not only inaccurate information but outdated information that should have been deleted from report due to time limits on reporting such items in the state of California
Consumer complaint received 2017-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : Re : Equifax Confirmation # XXXX I have approached XXXX XXXX XXXX XXXX multiple times to correct the fraudulently occurred reporting by XXXX XXXX . Equifax is refusing to remove the delinquent data from my Credit File. Credit Report reflects serious delinquency, and hence, my credit rating is severely damaged, causing difficulty to get refinance done at eligible terms. 

Similar approach is done to XXXX XXXX, who already removed the said item from my credit file with them and provided a confirmation to that effect. 

Therefore, I request your intervention to rectify the situation at your earliest convenience. 

Thank you Yours sincerely XXXX