davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello and to whom this message may concern, The credit bureaus ; Transunion, XXXX, & XXXX stated my account was properly investigated but how is that possible if across my credit reports I still have inaccuracies : Personal Information - x XXXX inaccurate errors - Spelling of Name - Also Known As - Date of Birth - Current Address - Previous Address Debt Collection Agency XXXX XXXX CO XXXX XXXX XXXX inaccurate errors - Account Type Detail - Monthly Payment - Balance - No. of Months ( terms ) - Past Due - Payment Status - Last Reported - Comments - Date Last Active - Date of Last Payment - XXXX Year Payment History ( XX/XX/XXXX - XX/XX/XXXX ) This is grounds for liability and/or removal. 

I wanted to reach out and get support for a remedy. These actions have stifled my ability to purchase a home and created multiple instances of inaccurate and defamatory account reporting against me. Every month from XX/XX/XXXX up to the present, I have been contacted by this debt collector and none of the bureaus supported my equitable action as required by law and use of diplomatic request to remove the inaccurate information being reported on my credit report. 

TransUnion has been aware of this dispute regarding the accuracy of this information since XX/XX/XXXX at XXXX PM with XXXX tracking # XXXX. 

XXXX received the notice of personal information update from me on XX/XX/XXXX at XXXX PM with XXXX tracking number # XXXX. 

XXXX received the notice of personal information update on XX/XX/XXXX at XXXX PM with XXXX tracking number # XXXX. 

I have not received any information back from the agency or any of the bureaus regarding this. In the included PDF is evidence that I had made the effort to resolve this issue on my credit report without undue XXXX or drama but this XXXX XXXX CO or the credit bureaus have yet to follow the law! I'm reaching out to you for help because I understand that you can assist me in this matter.
Consumer complaint received 2021-03-05
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America charges an $ XXXX  monthly fee for having a balance below XXXX in my checking account. I have been charged {$8.00} a month since XX/XX/XXXX. Bank of America did not charge me this fee before that time and I was not notified this change was occurring. The balance of my Savings account at that time was {$77.00}. 

Since XX/XX/XXXX I was charged {$8.00} each month totalling {$120.00}. Once my account reached a balance below {$8.00}, Bank of America took it upon themselves to deduct from my Checking account to cover the amount to pay for the {$8.00} service fee. This deduction occurred without my knowledge or consent. The first deduction was for {$2.00} and it was on XX/XX/XXXX. The next month Bank of America transferred {$74.00} from my checking account and deposited into my Savings account so they could continue to deduct the service fee from my account. This also happened without my knowledge or consent. They continued to deduct this service fee until the balanace on my account was {$34.00}. I then called the customer support line and they only refunded me {$24.00} since their policy is only to refund the past 90 days worth of service fees. I spoke with several customer service representatives and when I asked to speak to the manager I sat on hold for more than 40 minutes with no answer. Bank of America did not want to help me. 

I am writing this to attempt to get the rest of my funds returned to me as well as notify your agency of the malicious practices of Bank of America.
Consumer complaint received 2022-07-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (OH)

On XX/XX/XXXX I filed bankruptcy, there were fees that were not removed from my billing statement. I have tried countless times since then to have them removed but the Lakeview Loan Servicing refused to do so. I was told that they would look into it and never received responses. It has showed on every single statement since that time with no correction. 
On XX/XX/XXXX due to XXXX I had to file another bankruptcy and still the Lakeview Loan Servicing refuses to remove it. Any attempt to call results in another department needing to handle it, said department states theyll look into it but never resolved it. 
Almost 9 years of seeing fees that should have been removed. Bankruptcy in itself is strenuous, the stress lasts and never lets up and to see fees that should have been removed in XXXX creates even more stress. I have to continually live in fear that if I argue with them they will attempt to sell my home leaving my family and I XXXX I make my payments on time every month and have to look at this fee continuously, trying to avoid it like a plague. This is my final resort and all I can do is pray that its removed without the company holding it against me and attempt to take my home.
Consumer complaint received 2021-04-12
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (TX)

I need some help, I entered into a settlement with Naviet on my loan, all payments were set up to be debited from my account and they just stopped. Several attempts to call and see what was going on as we had a written agreement first we were told they could not take any more payments due to some hass law suit which has nothing to do with me. Called again and now they will not speak with me nor my POA person. I just want this resolved and to continue making the payments we agreed upon. Please help me
Consumer complaint received 2022-07-02
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: Experian Information Solutions Inc. (MA)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 2022-07-14
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)

I called the XXXX and TransUnion credit Bureaus after I purchased a credit report in XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : XXXX XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} 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 XX/XX/XXXX ;
Consumer complaint received 2021-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (MO)

First, I have paid all debts and keep up with my credit scores and reports. Random person called asking for my birthday. I thought it was strange I needed to give them my birth date so they can settle a debt in my name. I told them I have perfect scores and owe no one. I asked them to send me documentation of the debt as that would be the only way I will settle this debt and would not be releasing my personal information. They argued with me and hung up on me without stating their next steps. I'm afraid someone has retrieved by personal information and is trying to scam me out of money. 

The company is Paramount Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2022-04-01
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: EQUIFAX, INC. (NY)

hi i made a complaint on XX/XX/22 complaint ID # XXXX about inquiries that is deem fraudulent and my inquiries were not removed upon the investigation. I request a reinvestigation under 15 USC 1681A Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2022-07-02
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX Texas Office of Attorney General Account # XXXX, has violated my rights. 

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 2022-04-01
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. (ME)

I paid the debt, and received documentation confirming the debt was paid in full. but the debt has not been removed from my credit report. when i called the creditor they advised me to call the collector. when i called the collector they advised me to call the creditor.
Consumer complaint received 2020-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Around XX/XX/2017 billing statement i received a notification from XXXX XXXX  that my credit score had gone down quite a bit. it was showing i had a XXXX missed payment from capital one. After looking at my account there was a charge for interest that i was never notified about. I did not receive a bill in the mail an email nothing. I had thought up to this point the balance was XXXX out or close to it. After reaching out to capital one they said they have no where in their policy that states that they have to reach out to tell you when a bill is due. I find this to be very deceiving and a terrible practice that i have not had a problem with from any of my other 7 credit card companies. I have submitted several complaints and will not stop until this matter is fixed to my satisfaction.
Consumer complaint received 2022-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (ME)

I can not get ahold of anyone at Comenity Bank who is owned by bread financial. They refuse to tell anyone what is happening. They wont answer direct questions. Phone lines are down. You can not login online. You can not make payments. I had fraud on my account and they sent me a new card and I can not activate my new card. I cant even get an update on the fraud case. All my points are showing as gone.
Consumer complaint received 2021-12-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (DE)

In XXXX I submitted an application for financial relief assistance. It has been my experience my loan servicer has not been able to properly assist with. I have called customer service fir information and representatives have not been able to explain my options properly. I received notice I would get a call. When I asked customer service they advised it would be a letter. Another call I attempted speaking with the person assigned to review my app but was told the name and extension is just generic info listed on my notice 'no one is really assigned ' is what I was told. That same rep advised that per notes on account I didnt qualify for any assistance because loan was still new and my circumstance was not covid related. My circumstance is due to change in my income. Im currently out on short term leave due to having a baby and I am the only income due to loss of job of my partner. I need help and I have not been properly addressed or assisted.
Consumer complaint received 2022-04-01
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXXXXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2022-07-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (IL)

I am currently being sued by this junk debt buyer for an account I defaulted in 2015 due to being separated from my spouse and loss of income. I requested to be sent proof that this debt collector owns the debt, and proof of the date they acquired the account as well as proof of the balance that is due. Since I am currently in divorce court my attorney suggested I offer them to settle for half which I did, and they did not accept it even though they are profiting still being they didn't pay that much for the debt in the first place. I can't afford half but I am overwhelmed with trying to pay my current bills as well as being in court for divorce I need this issue to be resolved.
Consumer complaint received 2022-07-02
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: EQUIFAX, INC. (MI)

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX XXXX XXXX & I did not give this company or others permission to run my credit report and i declare this a action of fraud that has caused my credit score to drop tremendously and would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX XXXX, & I did not give this company or others permission to run my credit report and i declare this a action of fraud and would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX XXXX, & I did not give this company or others permission to run my credit report and i declare this a action of fraud and would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX I did not give this company or others permission to run my credit report and i declare this a action of fraud and would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXXXXXX XXXX & I did not give this company or others permission to run my credit report and I declare this a action of fraud and would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX I did not give this company or others permission to run my credit report and i declare this a action of fraud that has caused my credit score to drop tremendously and would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX  XXXX, for Auto financing and i believe this inquiry has aged and is to old to be on my report. I would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX for Auto financing and i believe this inquiry has aged and is to old to be on my report. I would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX and i believe this inquiry has aged and is to old to be on my report. I would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX and I did not give this company or others permission to run my credit report and i declare this a action of fraud that has caused my credit score to drop tremendously and would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX XXXX XXXX, and I did not give this company or others permission to run my credit report and i declare this a action of fraud that has caused my credit score to drop tremendously and would like this inquiry deleted. 

On XX/XX/XXXX, a hard inquiry was ran on my credit report by XXXX XXXX XXXX I did not give this company or others permission to run my credit report and i declare this a action of fraud that has caused my credit score to drop tremendously and would like this inquiry deleted.
Consumer complaint received 2022-11-29
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Central Portfolio Control Inc. (NV)

The collections company sent a text message to a former spouses phone number that I have not been associated with in over 5 years. The text message stated Hi XXXX XXXX, this is Central Portfolio Control Inc regarding a matter our office is handling. We have convenient payment or discount options online at www.paycpc.com using your agency ID : XXXX. You can also contact us at XXXX. Thank you. Text STOP to unsubscribe.
Consumer complaint received 2021-04-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Risecredit, LLC (IL)

On XX/XX/XXXX I took out a loan with Rise Credit in the amount of {$2000.00} # XXXX and made my payments on time per loan agreement. On XX/XX/XXXX I paid off the loan in full and received a paid in full email conformation. As of XX/XX/XXXX, my credit report is still showing that the last payment was made XX/XX/XXXX, and a balance owed of {$1500.00}. I've called and spoke to a representative with Rise Credit several time requesting that my credit report be updated. The only thing that Rise could offer is a paid in full letter. It appears to other creditors that I'm not paying down the loan and would hurt me getting approved for other credit loans.
Consumer complaint received 2022-07-02
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: Experian Information Solutions Inc. (SC)

n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX  account number XXXX has violated my rights.

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 2022-04-01
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: Experian Information Solutions Inc. (ME)

I paid the debt, and received documentation confirming the debt was paid in full. but the debt has not been removed from my credit report. when i called the creditor they advised me to call the collector. when i called the collector they advised me to call the creditor.
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have disputed a unverifiable bankruptcy listing on my Transunion credit report several times. Transunion states they verified the public record as accurate. I contacted the bankruptcy court and they stated they did not validate that record. they sent me a letter stating that they did not report it to any of the credit bureaus. I sent that letter and a copy of my FTC identity theft report to Transunion requesting that they remove the inaccurate listing immediately as it is causing me damages and the benefit of a good credit rating. they still continue to report the item which is willful noncompliance.