davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-11
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)

In regards to the two XXXX collections on my credit report, I have called several times with hopes in settling the debts as I am in the process of purchasing a new home. Each time I have called, even in speaking with a supervisor, I have been told that the debts are beyond the statue of limitations and they can not collect any monies on the accounts. If the debts are beyond the statue of limitations and they are refusing to collect any monies from me, then why are they reporting these debts to my credit report. I need these removed ASAP. XXXX : {$5300.00} - {$2500.00} XXXX : {$7800.00} - {$460.00}
Consumer complaint received 2017-08-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Alliance One, Inc. (MD)

This case has reference to earlier case/complaint agains XXXX XXXX XXXX XXXX XXXX XXXX per # XXXX. Now apparently, XXXX has transferred case to another collection company " XXXX XXXX XXXX XXXX XXXX XXXX. Although XXXX XXXX has termed the case as 'in dispute ' but XXXX by transferring the case to another collection company forces me to undergo avoidable harassment and inconvenience. Thanks a lot for stepping in to help as always. XXXX XXXX
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am filing this FTC Identity Theft Affidavit to report 4 fraudulent account ( s ) appearing on my consumer FICO TransUnion credit report which I do not recognize as reported and which result from identity theft and fraud. These fraudulent accounts consist of a Credit Card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. A Personal Loan account opened at XXXX on XX/XX/XXXX under the account number XXXX. A Phone account opened at XXXX on XX/XX/XXXX under the account number XXXX. A Loan account opened at XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or charge-offs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Consumer complaint received 2017-08-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (FL)

XX/XX/XXXX PLANET HOME LENDING increased my mortgage from {$500.00} to {$1300.00} stating that they had to add insurance. I called and instructed them that my insurance the entire structure is covered by the homeowners association. I submitted the first set of paper XX/XX/XXXX after not getting a response I called and was told I submitted the wrong information. I resubmitted the proper information in XX/XX/XXXX and was also called by one of their agents i told him i am willing to pay my regular XX/XX/XXXX and XX/XX/XXXX payment he told me no it had to be the entire amount due.I called the insurance department on XX/XX/XXXX to see if everything was in order and was told that they received the proper paperwork but was not readable, we did a 3 way call to XXXX direct thats the company for the insurance paperwork and it was faxed again I was told by the agent { XXXX } that everything was good and by Wednesday everything be sent to escrow to complete. I kept calling and each time i called i was told something different until i got an agent named XXXX i told her the story and resubmitted the documation to her this was in XX/XX/XXXX and XX/XX/XXXX i had to submit the previous year insurance and once again i have to wait on escrow this was not finalized until XX/XX/XXXX and now i am being charged an additional {$3000.00} in foreclosure fee. All the information was submitted that was requested there closest office is 4 hours away and each time i call its a different agent answering its an XXXX number. I just think its crazy for their delays. I am now being punished and threatened with loosing my home. Now they are listing my new payments as {$520.00} they are still adding on.
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

These inquiries are not recognized and there are multiple of several or the time is up and they should be removed. At one time I had a fraud alert on my credit file in XX/XX/XXXX when some of these were done. XXXX XX/XX/XXXX XXXX XXXX:XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION (PA)

On XX/XX/XXXX, I called because my card was not working I was informed due to an previously overdrawn account and inactivity there was a hold placed on my debit card. But since my direct deposit was available and had satisfied the overdrawn amount the hold was taken off my card. My debit card worked all day XX/XX/XXXX. On XX/XX/XXXX, I tried to use my card at an atm and the atm said the transaction was cancelled please contact your bank. I tried to call the Telephone banking Center, which was having technical issues causing an automate voice to tell you they were having issues and to call back later. It was a few minutes before closing at the physical bank. I went through the drive through since the lobby was closed I explained what was happening and that I had the available funds to make a w/d but needed a counter check. The gentleman smiled and said sorry we ca n't help you because the lobby is closed. I pushed back and requested if an exception can be made due to the circumstance and he said no. Nor did he attempt to see why my card was inactive or present any other option. I later called the telephone bank center after several attempts and almost a half an hour wait I spoke with a representative who was great. He was able to find out that my card was closed for on XX/XX/XXXX due to more than 30 days of inactivity. Which confused us both since I used my card the day before, XX/XX/XXXX. He kindly gave me a number to contact XXXX directly to see if they could get me funds since the issue with my card was an error.
Consumer complaint received 2017-08-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: First Federal Credit Control, Inc. (FL)

I previously address my concerns of First Federal Credit control services with the Better Business Bureau informing them that I did not have a signed contract nor any contract with First Federal Credit control services. I have never done business with this company, I am not liable for collection I do not have a signed contract nor any contract with First Federal Credit control services. I have never done business with this company, I am not liable for collection from First Federal Credit control services. I am not responsible for this debt from First Federal Credit control services. The Collections that are being reported to the credit agency are in the amount of XXXX, and XXXX. Better Business responded within the same day informing me that First Federal Credit control services are licensed within the state of Florida. This information is not accurate. Better Business Bureau responded with a license number For First Federal Credit Control XXXX XXXX this information is still accurate First Federal Credit Control is not licensed in the state of Florida
Consumer complaint received 2017-08-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (GA)

XX/XX/XXXX Basically, the issue here is that Navient/XXXX XXXX has consistently reported inaccuracies on my student loan account. One source of the inaccurate data has been from XXXX XXXX failure to record my full home address even though it was directly reported. That failure to record accurately resulted in a three months delay in my receiving income based payment annual application in a timely fashion. 
This situation caused my account to lapse and collect past due fees for which I should not have been penalized. 

Second, XXXX XXXX/Navient has also caused further harm by submitting the wrong information regarding my eligibility for deferment/forbearance plan. By supplying misleading information regarding my eligibility for deferment/forbearance, XXXX XXXX has manipulated my account and this process has given the XXXX XXXX the ability to wrongly charge my account with late payment status. 

For clarity/specifics, on XX/XX/XXXX, I contacted XXXX XXXX by phone to report my change of address. The XXXX XXXX agent who handled my call informed me that she would update my account data. However, XXXX XXXX claimed that I simply failed to properly report a change of address. On the contrary, I have found my certified letter to XXXX XXXX dated in XX/XX/XXXX of that transaction request. 
( copy attached ) It took XXXX XXXX three full months before the application form was actually delivered to my correct home address. ( There has been late fees added to my account as a result of that late transaction by XXXX XXXX. ) Those late fees were added in XX/XX/XXXX when the Navient system reported my account as being ninety days past due on my credit report. 

The other major problem is that I have been on the Income Based Payment Plan since XX/XX/XXXX. My loan was consolidated with XXXX XXXX in XX/XX/XXXX. 
However, when I lost a full time job in XX/XX/XXXX, a XXXX XXXX agent informed me that I was eligible for a deferment plan. However, she was wrong, and as a result of that wrong information, when the deferment time expired on that plan, a payment was necessary to keep my account updated. Yet, my income was too low to pay it. 
In other words, I should have simply remained on the income based payment plan. 
There was no real need to change plans in the first place. 
Meanwhile, the " ninety days past due '' has been reported by XXXX XXXX/Navient on my credit report. This has limited my credit score and impacted my ability to obtain credit. 
I have supporting documents to support my above claim. There are two separate attachments which clearly identified the negative situation on my account with Navient. 

Consequently, I make the request that Navient remove the late fees from my current credit report. 

XXXX XXXX
Consumer complaint received 2017-08-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc. (VA)

It was done today and I got the money today in my account. They initially stated that the payoff would be {$650.00} with the interest which did not happen. The interest rate on a {$500.00} is 831.1006 % and my ending balance that will be paid is {$2000.00}. It was all done online and I had no idea that it was illegal to do an online payday loan until I did my research ( which I should have done ahead of time ). I was desperate in need of money but had no idea what I was getting into.
Consumer complaint received 2017-08-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

This is a serious problem for me and the second time I had a dispute regarding unauthorized use of my credit repot from XXXX. Last year someone opened a credit card in my name from XXXX XXXX. I am working very diligently to repaid my credit after a bankruptcy in XX/XX/XXXX. On XX/XX/XXXX XXXX did a hard inquiry on Experian. I do not know if its on XXXX XXXX or XXXX. I contacted XXXX and they do not have any info regarding an inquiry. Experian will not look into it stating they can not remove information. So that 's it?? these reporting companies can make their own rules and add info to your reports that affect your life. I have attached correspondence.
Consumer complaint received 2017-08-11
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Chaplain Financial Services LLC (ID)

Got a call XXXX XXXX, XXXXfrom a company stating they are from Chaplin Financial XXXX Quote '' the reason for this call is our office is in the process of proquesting you to be served by your county processor at your home of place of employment, due to a civil suit that has been filled with our company. In order for this process to be stopped you must contact our office immediately at XXXX Reference #  XXXX If you fail to respond to this message once contacted by the county processor you will be required to have 2 forms of ID, in signed documents. If you are served at your place of employment and are not present your supervisor or Human Resource person will be required to sign for you and deliver the summons to you personally XXXX XXXX ... you have been officially notified. " end quote. got a call from a lady XXXX XXXX she left number XXXX XXXX, XXXX I then called the number and talked to a XXXX XXXX whom then told me that the company was XXXX and XXXX. and that I had payday loans that where using there company to collect a debit. I asked them what companies where charging me, she asked me if I had taken any payday loans out I said yes I gave her the name and she said yes that was one and then asked me if I had any others I gave her another name and she again said yes that to was the other on, so really I was giving her the names of companies and she was saying yep those where the ones, instead of waiting for her to tell me. They were putting a judgement on me and reporting me and going to arrest me, take me to jail, it was going to cost me XXXX, but they would take XXXX off right away and another XXXX so if I paid immediately I would only have to pay XXXX. I told her I had to go to my car and get the debit card, she told me that she would have to email her attorney to see if that was okay and left me for about 30 seconds and she said that he would allow me to do it but if I did n't call back in a few minutes that they would proceed with the judgement and prosecution of me. so I called the loan companies at question and not one of them had a problem and I was up to date with payments and they suggested that is was a fraudulent inquiry. we hung up tried to call XXXX ext. XXXX the number she gave me she said was her personnel phone to her area I called and got a XXXX who actually left me a message the day before on number XXXX XXXX and XXXX which is now not working I called again and got a young lady  receptionist and quickly asked her for the address she gave it to me then I believe realized she should n't talk to me she quickly directed me to the numbers above. today XXXX XXXX no calls and no one showed up at my job or work and most of the numbers are not working. XXXX also told me that the company filling the complaint was XXXX XXXX XXXX XXXX XXXX that XXXX and XXXX and Chaplin Financial hired them to collect the debit,
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

A computer glitch that was Transunions problem, not mine has caused inquiries to be deleted from my credit report which they later placed back on my report without a legal 5 day written notice. I contacted Transunion in good faith to ask that they delete what was re-added they chose a few to delete. These inquiries that I did n't authorize are causing a hardship and my rights were violated.
Consumer complaint received 2017-08-12
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 — Their investigation did not fix an error on your report
Company: Village Capital & Investment LLC (GA)

My original complaint has not been corrected and you ( cfpb ) have closed the complaint Village Capital & Investment LLC ran a credit inquire on me and my wife without us applying for credit, actually we cancelled the contract once we realized who was involved and we refused to deal with Village Capital & Investment LLC.
I received a letter from XXXX XXXX XXXX - Compliance Representative for Village Capital & Investment LLC, on XXXX XXXX, 2017 claiming that all inquiries would be removed. Today I received a letter from XXXX XXXX that Village Capital did not run the report themselves but had " XXXX XXXX XXXX '' run the report for Village Capital & Investment LLC on XXXX XXXX, 2017, with all three credit reporting agencies for them and those hard inquires have not been removed.
Consumer complaint received 2017-08-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (GA)

Recently reviewed credit report stating that I owe a debt with XXXX XXXX that being collected by National Credit Adjusters. I have never been associated with the address they have listed/linked to report. I have never received notices about the debt.
Consumer complaint received 2017-08-12
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: Experian Information Solutions Inc. (FL)

i keep getting inquiries from this company after telling them over and over again there was no way i would make a inquiry 5 times back to back they finally send me a letter telling me they are concerned someone may be using my personal information.thats what ive been telling them for months
Consumer complaint received 2017-08-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ResidentCollect, Inc. (NY)

I am applying for a mortgage and Resident Collect of XX/XX/XXXX, Texas put an item on my credit report that says I owe {$7000.00}. I had disputed this debt years ago, and requested the company give me a breakdown of the alleged debt and they failed to do so at the time.
Now, the piece is still on my credit report and I attempted to contact Resident Collect to get a letter clearing me of the debt. When they did not respond to me, I hired an attorney to discuss it with them and they emailed the case was closed to him. However, they did not provide him a letter, and later the same employed tried to email me directly and said I needed to pay {$3600.00} to solve the issue.
My lawyer, the credit company my mortgage company uses and I have all tried to get this letter and this issue close, but Resident Collect is unresponsive and uncooperative.
I need a letter clearing me of this debt, as the company that originally claimed the debt has dissolved and the statute of limitations for collections has expired in my home state, the state the defunct company is in and the state of the collection agency.
The mortgage company will not issue it until I get this cleared up, and we have tried to clear this matter for 4 weeks.