davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

In XX/XX/XXXX I made an agreement with the company XXXX XXXX to pay a settlement amount of money to have the account closed and to stop reporting on my credit report. As of XX/XX/XXXX I received notification that the company is now reporting my account to Equifax as a charge off account and that there have been on time payments made to this account since XX/XX/XXXX. This is inaccurate as the account is closed as paid for the settled amount. The amount I paid for the closing of this account was {$800.00}. This has flagged my report made my credit score decrease on Equifax.
Consumer complaint received 2020-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On or around early 2017 I became a victim of Identity Theft that resulted in an arrest of a suspect who was detained under my name on or around XX/XX/2017 which still continued once he was released on bond ( see attached court documents ). After receiving a copy of my credit reports I have noticed numerous names, addresses, phone numbers, employment, inquiries, accounts not affiliated with me. Finally was giving a disposition of the cases once it was closed so I can dispute this matter with all the bureaus and any other agencies that protects Identity Fraud.
Consumer complaint received 2016-04-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Arcadia Holdings, LLC (NJ)

I received a phone message from Arcadia Recovery Bureau saying that they were looking to speak with me about owed debt. I called the number back, and they had my name, address, phone number, and date of birth. They then said that they were calling about {$3200.00} that I owed to XXXX XXXX. I finished my treatment with XXXX XXXX in XXXX of 2015 and paid in full throughout my treatment. However, to be on the safe side, I contacted the billing department at XXXX XXXX and was told that my account has a {$0.00} balance, and I owe them nothing. The woman in the billing department explained that I was n't the first person to call with the same issue. When I called Arcadia Recovery Bureau back to tell them that I have no balance with XXXX, they told me they could put a note on my account that we had this conversation, but could n't do anything further until XXXX cleared me. At this point I do n't know if they 'll continue calling. However, I do n't want to have to continue dealing with this " debt '' that I do not have.
Consumer complaint received 2016-12-07
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

I sold my home in XX/XX/2016 This account is closed and is not released of record yet. Per Guidelines, my mortgage lender has XXXX days to process and release of record. This is still posting negative reporting as a late payment and this home is no longer in my name and my lender got wired the funds at closing?! Please help me get this released of record.
Consumer complaint received 2017-03-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAVALRY INVESTMENTS, LLC (OH)

I have an unverified account from Calvary Portfolio. I had previously disputed this account. I have never done business with Calvary Portfolio. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Calvary Portfolio provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Calvary Portfolio Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2020-04-18
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: TD BANK US HOLDING COMPANY (FL)

XXXX  has false information due to a report that I later found that is from fraud. I want this issue promptly resolved. The reported information is from TD Bank resulting in {$2200.00} and I also had a fraudulent charge from XXXX  XXXX XXXX resulting {$2600.00}.
Consumer complaint received 2022-01-05
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: Early Warning Services, LLC (FL)

On XX/XX/2016 aXX/XX/XXXXXXXX XXXX account was opened without my consent. This account is currently reporting on a consumer report with no outstanding balance. This account also has a phone number and address I am not associated to. The account number is XXXX.
Consumer complaint received 2017-01-18
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: U.S. BANCORP (NC)

USBank Credit Card will not cancel card after being notified of death of a family member/cardholder. There is no balance so this is not about a remaining pay off. This is about them ignoring the consumer and being completely unresponsive. Leaving the card active is a threat that we must monitor. 

This is the same card that, about two years ago, the cardholder had to notice " unusual '' transactions himself even though his pattern ( XXXX gentleman ) was very unlike the out-of-state charges made in women 's clothing stores. 

They are unprofessional and the family does not wish to be burdened by watching this card and cleaning up any fallout from their ignoring the reported death of the cardholder.
Consumer complaint received 2021-11-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (CA)

XX/XX/2021 XX/XX/2021 XXXX XXXX Along with several times during the year prior to this time with different transaction ranging from XXXX or more dollars This company has kept my direct deposit payment on hold for various reasons I have had my money refunded from a business or I have paid on the card directly from my paycheck this company will not give the money to the card directly from the bank of the company I had a refund with or without notifying me place a hold or restrictions on my money it's a prepaid card transaction when I call and have asked the company why I can't access my money on the account I get told they have rights to hold my money for over a week time frame they have left me in serious complicated financial delays on several occasions and I put my finances onto the card being it's prepaid not money given to me by the card services I have also been at a company where the cash back feature is offered and I requested a cash back with a purchase and the card accepted the money but then declined it but the card withdraw from my balance but the store stated the company declined the transaction the card services then would take XXXX days to correct the mistake although it was the mistake in the way the card company accepts or rejected transactions they claim to only have a limited use of services only after they give the money to the company but reject it because of the service available with the company so I don't understand how they allow the money to be withdrawn from my balance to the business if they don't offer that service with that card transaction I call ask him for my money to be released or refunded because of the company 's error several times during the year for several weeks before the company will acknowledge that they should not have taken my money and then without responding to my request per conversation with me they hold my money back until I have been without a balance for weeks
Consumer complaint received 2020-10-07
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. (MD)

XXXX XXXX XXXX  is report on my that I have had 3 late payments. My account was set on auto payment but for some reason it was cancelled in XXXX. XXXX is unable to tell me why and I was informed that they did not receive payment for 2 months. NO letter in the mail or email. Also this is a Business vehicle title in the business and I want it removed off of my personal. XXXX will not help and it is messing our process of purchasing our home.
Consumer complaint received 2016-08-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

Specialized Loan Servicing ( SLS ) violated loss mitigation procedures pursuant to CFR XXXX Prohibition on a foreclosure sale and the Appeal Process. SLS knowingly miscalculated my monthly income after being provided with updated financial information via email, phone and fax. SLS also ignored my letter of Notice of Error and Requests for Information which was sent via email and fax.
Consumer complaint received 2016-11-22
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (GA)

Approved for a XXXX with Wells Fargo Bank and now had to firer contractor due to not completing the work in a timely manner. Then told that new contractor that wanted to use is not being validated. Please review there process of identifying qualifying contractors and making you pay for contractor work that is not inspected by them or county departments. I 'm now paying a mortgage and not in the home. This hurts home owners and the mortgage industy. 

Thanks,
Consumer complaint received 2016-02-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Constar Financial Services, LLC (FL)

I am in receipt of correspondence stating that I owe {$120.00} due to XXXX placing my account with a collection agency. I have never had an XXXX account and have never made a sale or purchase on XXXX.
Consumer complaint received 2022-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (CT)

Victoria 's Secret Credit card.paid bill in full in XXXX.at XXXX received a bill for {$2.00} when nothing purchased. Reported twice to get resolve and close account. On the XXXX on XXXX they sent me a questionnaire asking how I like there customer service. I in detail td them I want my account closed in no uncertain terms.this month they sent me a new bill with a {$6.00} charge on it. This account needs to be closed 100 %. Waiting you as last tesort.please close this account with no charges applied to me. Thank you.
Consumer complaint received 2021-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

Applied for the CapitalOne XXXX card using their link on their site that was supposed to give {$200.00} cashback for spending {$500.00} within 3 months of getting the card. I spent the {$500.00} on the card after receiving it in the mail and I still didn't get the {$200.00} sign up bonus after 2 months, so I called CapitalOne and their representative says the offer wasn't applied to my application, even though I used their link on their official site that displayed the offer ( https : //www.capitalone.com/credit-cards/savorone-dining-rewards/ ). This is blatant false advertising and a very slimy business strategy to get people to sign up for their cards and ultimately not honor the advertised offer.
Consumer complaint received 2015-06-02
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (MI)

My loan servicer is Navient, after spending XXXX hours in their phone queue, I was able to talk to someone about my private student loans and getting them into forbearance. Navient was unable to find the forbearance letter, and suggested that I did not actually get the private loans approved by them. After asking to talk to someone about getting them into forbearance, they hung up on me.
Consumer complaint received 2016-11-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I am attempting to obtain a mortgage loan, and noted in my credit report an item from XXXX ( XXXX ), a debt collection agency in XXXX, WA. Because I was unfamiliar with this item, I contacted XXXX, and was informed that the account listed on my credit report ( XXXX ) was not my account, and instead belongs to a XXXX ( a name which is very similar to my own ). Because time is of the essence, I requested that XXXX provide the credit bureau documentation stating that I do not owe this debt, so that the item could be cleared from my credit report. I was told that they were unwilling to provide such documentation because the mistake was made by the credit bureau, and not XXXX. I then contacted TransUnion, I was told that the mistake was made by XXXX, and that my only recourse was to dispute the items and wait for XXXX to respond, which could take up to 30 days, or to request a letter from XXXX documenting the error. When I informed TransUnion of XXXX 's refusal to provide such documentation, they stated repeatedly there was nothing they could do, because " it 's not our error. '' Frankly, it is infuriating for two companies to each be playing the blame game, pointing the finger at the other, and leaving the consumer mired in red tape and caught in the cross-fire. Further, waiting 30 days could delay closing on my mortgage and jeopardize my ability to complete the purchase of a home. Both Trans Union and XXXX should be accountable for fixing mistakes. Particularly because Trans Union earns revenue from credit reporting, it 's completely inappropriate that they should directly benefit from reporting erroneous information, and claim that they have no responsibility in correcting mistakes beyond filing a dispute. They should have processes in place to expedite claims, or otherwise assist consumers who report incorrect information. The current system is akin to being held hostage by a credit reporting agency who is in cahoots with a crooked collection agency.
Consumer complaint received 2022-08-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Santander Consumer USA Holdings Inc. (CA)

Santander is in violation of UCC code they were involved in a class action lawsuit for predatory loans on fair treatment of consumers I was one of those individuals they attempted to collect on a debt that was not valid and they have continued to report it on my credit report and I'm unable to dispute them because you're not allowed to continue to dispute a situation or a credit issue more than one time and I would ask that you do a complete investigation and keep me updated thank you so much
Consumer complaint received 2022-01-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (SC)

I have tried to contact Fed Loan Servicing, a part of The XXXX XXXX XXXX XXXX  XXXX about my Public Service Loan Forgiveness status. I haven't been able to get in touch with any loan counselor. I have been on telephone hold for over 3 hours. They have counted 88 of my loan payments as ineligible payments. I want an explanation and want to know how i can get these payments considered eligible.
Consumer complaint received 2022-08-04
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. (PA)

Bought a car in XXXX they made about 13 hard inquiries but there was only suppose to be one inquiry then i applied for a soft pull prequalify and they more hard pulls again multiple times this year that i didnt authorize at all because im not in the market for a car.
Consumer complaint received 2016-08-25
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Receivables Management Partners, LLC (IL)

I have several Medical bills from this company, and I never seen these people in my life. I 've been an ID Theft victim for a long time, and I 'm very upset. These need to come off of my credit too!
Consumer complaint received 2016-10-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result.. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed.
Consumer complaint received 2016-09-13
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: American Credit Acceptance, LLC (TX)

My car payment was due XX/XX/XXXX, I 'm a little behind right now nothing major, three weeks, some unexpected issues came up.., but they started calling me XX/XX/XXXX ... They call everyday, all day long. Ive asked them repeadily to STOP calling my job, but they keep doing it ... And it 's at least three times a day ... The late payment is n't even considered a problem for my credit until XX/XX/XXXX!! Today it 's XX/XX/XXXX!!! 
I just want them to stop harassing me.
Consumer complaint received 2022-12-14
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCF Intermediate Holdings LLC (CA)

I submitted numerous complaints about this situation but XXXX XXXX still not giving a clear path to resolve this matter, XXXX XXXX never properly notified me of this debt due to circumstances I described in past and I repeat again, the address they had was not residential address rather mail delivering service which due to national disaster temporary suspended delivery of mail, mails were going in but no distribution because they were ordered by United state government to stay home. every citizen of this country was ordered to stay home, all businesses were suspended except for XXXX XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX majority of Americans jobless due to international disaster including me, a payday loan was nonsense because no pay.all financial institution suspended collection at that time, speedy cash made lots of money from consumers but yet did not act patriotic and help their fellow Americans, courts, legal and government agencies, place of business and churches were closed. Now what I am asking to give me a clear path as how we can work this out and negotiate to remove this debt from credit bureaus. What it takes and what needed for me to do considering the facts I represented, XXXX XXXX  knew about emergency circumstances at that time, many people were in hospital or quarantine, including me, how in the world they could notify anyone properly and legally at that time, they should of temporarily suspended their debt collecting activities till thing normalized. Now tell
Consumer complaint received 2020-10-07
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. (TN)

Hey, My name is XXXX XXXX XXXX. I have a huge problem that I am hoping you can help me solve. I have disputed with the credit bureaus and the collection agencies and creditors multiple times because they are reporting negative inaccurate information on my credit report. They are refusing to remove this information even though I have shown valid proof that it is not 100 accurate according to the FCRA.

Please remove these accounts from my credit profile because they are not 100 accurate and it is causing me a great deal of harm.
Consumer complaint received 2022-04-25
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. (FL)

In accordance with the Fair credit report act XXXX XXXX has violated my rights regarding a hard credit inquiry posted on my Credit Report XXXX XXXX 2021 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-01-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp. (FL)

On XX/XX/XXXX, me and my late husband bought a house in XXXX, Florida. When we moved, the house came with all the kitchen appliances, that we chose at the time we close the contract. In XX/XX/XXXX, I received a communication from XXXX XXXX XXXX that I owed {$3900.00} from a loan to buy appliances at XXXX Private Label around the year XXXX. I never gave my information neither to XXXX Private Label nor any other corporation for a loan to buy appliances. The price of the house that we bought included all the appliances and as of this date the house has the same appliances as the day we moved. The House was payed in full in XX/XX/XXXX, and I did not incurred in any other debt whatsoever. At this time XXXX XXXX XXXX is the company that is contacting me with the purpose of collecting the fraudulent debt.
Consumer complaint received 2020-08-19
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. (MS)

THE CREDIT COMPANYS HAVE YET TO REMOVE THESE ACCOUNTS THAT DOES NOT BELONG TO ME AFTER ASKING FOUR TIMES TO REMOVE THEM MY NEXT STEP IS A COURT ROOM
Consumer complaint received 2022-08-25
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. (IN)

XXXXXXXX XXXX, Date reported is XX/XX/2022. Total amount is {$130.00} In accordance with the Fair credit reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions