davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-13
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. (FL)

I filed a dispute with Transunion and sent in the corroborating proof that the date of first delinquency was not being reported correctly. 
I called and spoke with a supervisor at Transunion and was informed that the credit reporting agency ( XXXX XXXX ) reported that the date was correct. 
After speaking with the supervisor and requesting how this was verified since I sent in the payment history showing the late payments, to include copies of the credit reports showing the payment history, I was informed that it was irrelevant since the credit reporting agencies said it was correct. 
We further discussed the process about the information that I sent in to prove that it was not reporting correct dates and asked if it was being reported fraudulently since I can prove that the dates are not correct and was advised that nothing that I send in is considered, only what the creditors report.
Consumer complaint received 2023-10-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (WA)

I received an email communication from XXXX on XXXX XXXX, XXXX  informing me that XXXX was attempting to collect a debt on behalf of Jefferson Capital, who had purchased the debt on a XXXX account from XXXX. Upon inspecting the claim, I saw that the address for the account was XXXX XXXX XXXX XXXX , XXXX XXXX, CA XXXX. I have never lived there and have not used XXXX at any time in the last five years. I also never received any communication about the activation of this account, nor any missing payment for this account. I believe somebody registered the account under my name, yet somehow without my email or phone number. I am not quite sure how the account was tied to me. I explained the situation over the phone to a representative at XXXX in detail and sent to the company via email another explanation. XXXX then communicated over email that they would not longer be servicing the debt. 

Jefferson Capital then contacted me via mail stating that additional information is needed for my dispute. I attempted to log into their site with the JCS reference number provided to me and last four digits of my social security number. The JCS site would not let me log into their site to continue my dispute. JCS provides the option to call their customer service line, but I work long day hours and do not have time to settle the issue over the phone during business hours. I am in effect trapped due to JCS ' inability to manage their IT systems or open their call lines at convenient hours. I am also not sure why I have to contend with two debt collectors for this debt, especially if XXXX has, after collecting information, decided they will not service the case. 

I would like to submit this complaint against both XXXX XXXX XXXX XXXX XXXX and Jefferson Capital Systems. XXXX XXXX XXXX XXXX XXXX first failed to verify the identity of the person creating an account with their service, then made money selling this fraudulent account debt to Jefferson Capital Systems. Jefferson Capital Systems attempted to collect the debt through XXXX, and after XXXX dropped the case, continued to harass me about this debt.
Consumer complaint received 2019-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

Fair Collections & O Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX ( XXXX ) XXXX Amount : {$6900.00} I have disputed this entry for Fair Collections & O for several months. I have repeatedly asked them to send me a copy of the signed, exclusive contract between Fair Collections & O and myself for repayment. The only responses I've received were statements for payment. I've sent correspondence XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2021-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I use the atm machine locate at XXXX XXXX XXXX. XXXX XXXX, Ca XXXX. 

I made a cash deposit of XXXX. The machine show me a error message while my money was already deposit in machine. While processing it told show me a message money received or deposit. 
These I press print reciept. The machine printed out a blank receipt I called the bank and filed a claim they told the would credit my account within 1-3 business days This bank has Racial profile me and has not made a credit to my account Im being discriminated against because of gender race, color. 

I also asked for them to look at my bank records showing the history of deposit made. 

I would like to file a lawsuit or I just would like my money that I deposit in the account XXXX XXXX Email : XXXX XXXX
Consumer complaint received 2019-05-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

We co-signed for our daughter 's student loan with XXXX XXXX XXXX ( loan is now owned by Citizens Bank ) in XXXX in the amount of {$19000.00}. She left school in XXXX and payments began in XX/XX/XXXX. 

Since then we have made nearly 120 payments ( almost {$19000.00} ) and the principal balance is still {$18000.00}. 

This seems like a criminal attempt to gouge a student ( and their parents ).
Consumer complaint received 2019-05-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (CA)

Attended XXXX College and XXXX College - XXXX made many promises about helping me to get employment and or counseling for employment and they were shut down for fraud and were not able to fulfill all their promise. XXXX College promised me that they were not shutting down and one day I showed up and the doors were locked. I have informed Nelnet of this and applied for loan forgiveness based upon fraud. I have called several times and they said they never received my application so I did it again. I called and they stated they didn't get it so I had to resubmit again. I called and they stated they didn't get it so they sent me another one. I can not seem to get them to accept an application for cancelation. There is excuse after excuse that they did not receive my application. I have looked at the qualifications for cancelation and believe that I am eligible. I am contacting my local congressman as well.
Consumer complaint received 2019-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

CAPITAL ONE Attn : Consumer Dispute XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Re : Account # XXXX=>I dont recall this account ever being late. You are reporting inaccurate information that is ruining my credit and I demand you remove this inaccurate information immediately from my credit report. 

Dear Executive Manager ; I was shocked when I reviewed my XXXX, XXXX and XXXX credit reports and found that I was reported as having a late payment on the date below : XX/XX/XXXX DAY LATE  PAYMENT I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I |thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it wasn't recorded on time. 

I do ask in light of the good standing relationship we have that you remove any late payments from my credit report and refund me any late fees that were added to my account. I do not believe it is accurate. 

I would rather not have to spend more time than necessary for both of us to resolve this situation so I was hoping that instead of escalating anything, that you could help me with this and report me as being 100 % on time. 

I appreciate your help regarding this and look forward to keep having the positive experience that I have had with you in the past. 

Thank you! 

XXXX XXXX XXXX
Consumer complaint received 2023-02-07
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. (NC)

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain about questioning specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any items in my credit record that came about due to alleged fraud or extortion. 
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 2021-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/2021 letter received requesting further proof of address. 
XX/XX/2021 Utility Bill and Business License mailed. 
XX/XX/2021 Phone call to get update made. Agency is refusing to accept city business license as valid proof for furnishing a government issued business license.
Consumer complaint received 2022-12-14
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. (CA)

I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that this company has a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please adjust the misleading information of this account : XXXX XXXX XXXX / XXXX XXXX
Consumer complaint received 2021-04-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

This is in reference to a complaint already filed on XX/XX/2021 against bank of america, complaint # XXXX and complaint # XXXX I am submitting new documents.A correspondence via mail from the other party XXXX XXXX.
Consumer complaint received 2019-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (TX)

I C System Original Creditor : XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, MN XXXX ( XXXX ) XXXX Amount : {$1000.00} I have disputed this entry for I C System for several months. I have repeatedly asked them to send me a copy of the signed, exclusive contract between XXXX XXXX XXXX and myself for repayment. The only responses I've received were statements for payment. I've sent correspondence on XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019.
Consumer complaint received 2019-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (TX)

Denied credit for dubious reasons : " Derogatory public record or collection filed % of balance to high credit on banking revolving or all recolving acct Too few accounts currently paid as agreed '' 1. I have 1 collection accnt 2. This is a false statement 3. I have 3 accts. How can they deny me new accounts when I am not using them?
Consumer complaint received 2017-12-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CO)

We received our annual escrow account statement dated XX/XX/XXXX from Ditech. It showed a {$930.00} surplus. It said we would receive our check as long as the account was current. We called after 30 days, told it was " under review '' and to call back in another 30 days and we were told the same thing. We were told that we were " contractually current '' and just waiting for them to disburse the check. Now, today, they said the escrow department had put a note on our account saying " a bankruptcy credit '' had caused the surplus to be reported erroneously and that as of now there is a {$1400.00} negative balance in our escrow account. When I asked XXXX, a supervisor, why we had n't been notified about this occurrence, he could n't give me an answer. We had reduced our insurance premium and coverage with our homeowner 's insurance at the beginning of the year and that reduced our payment and the insurance in the escrow account. When I asked XXXX, supervisor, employee # XXXX, about this, again he could not give me a definitive response. We talked to XXXX, empl # XXXX, on XX/XX/XXXX ; XXXX on XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX, empl # XXXX on XX/XX/XXXX and XXXX, a supervisor, on XX/XX/XXXX as well as XXXX, a supervisor, empl # XXXX, today, XX/XX/XXXX. At minimum, if there is no surplus check due us, I will need an updated letter of explanation as to what this " bankruptcy credit '' is and how that affected our escrow balances for my bankruptcy lawyer. I think Ditech engages in deceptive, predatory practices.
Consumer complaint received 2024-03-26
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (MO)

One Main Financial Been paying seven years on this loan with no end in sight. The lady originally told me not to worry about the 34 % interest that they would work with me when I was ready to sell it or pay it off for a much lesser amount. That obviously had not happened. I have XXXX and need this vehicle but can no longer afford this.
Consumer complaint received 2023-02-07
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. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX  party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

The date is XX/XX/XXXX. I saw there was a cash back offer of XXXX on my Amex account. So I added that offer to my account, and read the terms carefully. And then I used the link provided by Amex to book a hotel on XXXX. The amount is XXXX usd and the hotel name is XXXX XXXX XXXX. In the end I didnt receive the offer. I asked customer service why I didnt get cash back. They used several different excuses trying to prove I was ineligible for it such as the hotel was not in the list, I didnt book it on XXXX After I showed proof to all of this, they started to say I didnt book it using the link as they thought this is a thing thats hard to prove. However I indeed have a screenshot of the confirmation page showing that I was redirected from Amex app. The screenshot shot was the confirmation page after I made the payment. On the left top corner of that page, it showed that I was directed from Amex. Their statements contradicted with each other and all they intend to do is to find whatever reason to stop me getting the cash back
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I have noticed this incorrect and unauthorized item appeared in my report. I have already files the proper documentation for this and have sent it to the bureaus but they did not remove them. Please see attached documents for these accounts I am complaining.
Consumer complaint received 2021-02-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CBM Services, Inc. (MI)

On XX/XX/2020 Thumb cellular sent me a letter saying I owed XXXX dollars. I started sending them payments. They said they wanted the full amount paid by XX/XX/2020. I responded to them, asking for a copy of my contract. I got the contract and then responded back to them saying there was no stipulation in the contract saying I had to pay in full by any date. Them I got a letter from CBM Services Inc on XX/XX/2020, Which is a collection firm. I sent them the same letter. Telling them to get a copy of the contract and read it over. Telling them also there was nothing stating I had to pay this in full all at once. I would continue making payments. I never got anything back from CBM. Now I see they put this collections on my credit report.
Consumer complaint received 2021-02-09
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: BARCLAYS BANK DELAWARE (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Barclays Bank and US Dept of Ed/XXXX. The Account Opened is Barclays Bank Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00}. The Account Opened is US Dept of Ed/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2020-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CO)

I received a debt collection notice from " Credit Collection Services '' on XX/XX/20. CCS is the debt collector for XXXX XXXX. XXXX claims that I owe them {$150.00}. I do not owe them anything whatsoever. 

I tried to contact XXXX via the phone XXXX XXXX XXXX. This was a complete waste of time - I could not get a human on the phone. There are endless telephone prompts asking me for personal information, account information. I don't have an account, so nothing will populate on their end. 

I also tried the online chat feature - I ran into loop after loop of the same questions, all of them redirecting me to login to solve my problem. I don't have an account, how can I login? Absurd. If they had humans answer the phone then I wouldn't need to go through this website. 

Name : XXXX XXXX XXXX number : XXXX XXXX XXXX
Consumer complaint received 2022-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have noticed this incorrect and unauthorized item appeared in my report. I have already files the proper documentation for this and have sent it to the bureaus but they did not remove them. Please see attached documents for these accounts I am complaining.
Consumer complaint received 2020-11-12
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. (WA)

On or about XX/XX/2020, I received notice from XXXX XXXX that my credit score had changed. Nothing had changed about my payment history or accounts, so I logged in, hoping that the fact that my bankruptcy, now about 10 years old, had fallen off of my report and would improve my credit score. Instead, what I found was that there was one solitary change to my credit report, that the bankruptcy had fallen off, and that my score had FALLEN by 44 points with TransUnion, and 34 points with XXXX. There were NO other changes. I called each of the companies to ask why my score would have fallen and fallen SUBSTANTIALLY when the only change to my report was a positive one, the removal of a 10-year-old bankruptcy. Note, my husband 's score, and he shares virtually ALL of our credit history, went up XXXX XXXX points. I do not understand AT ALL. This makes no sense. So I spent hours on the phone calling both of the companies, asking how it could be that the removal of a negative event, flagged as yellow or red on the reports for the high impact it should have had on my credit, should result in the largest drop I've seen in my credit ever. XXXX is sending me a copy of my report so I can review it, but based upon the information in XXXX XXXX, I don't anticipate seeing anything incorrect as to the records, only this completely illogical result in my score. Please help. This should not happen. It's completely unfair and I'm trying to buy a house.
Consumer complaint received 2023-02-07
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. (SC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX , TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX , TX XXXX , XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX Balance : {$83000.00}, XXXX XXXX XXXX XX/XX/XXXX