davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I am not an active credit user. I am a responsible consumer. I experienced a work injury and I had to file for worker 's compensation.. During the negotiation period, medical bills were piling up. Even though they were informed that it was a worker 's comp. medical case the office submitted my over due medical bills to the credit reporting agencies. I have requested often to have late payments, bills paid in full to each of the agencies, and they each take their time in responding to my request. Are they do not correct my credit report. and increase my score. My attorney XXXX XXXX has sent to each of the credit bureaus copies of the paid in full accounts. at least 3 times. I need my credit score corrected and increased and old medical bills and student loans reported as paid in full and removed off of my credit history. I was sure my score was high since I 'm not an irresponsible spender. Only to learn that I was given a low score because I did not have any debt. So, I made a purchase and started making payments. This purchase will be paid in full in the next few months. The company keeps trying to get me to make another purchase because of my prompt payment history.XXXX XXXX only reports to XXXX of the credit bureaus. This is awful. I asked them why not all XXXX of the agencies, they do n't want to pay fees. I thought my credit score was XXXX or XXXX since I am a responsible steward of my money. I am hoping that your office will handle my concern now. I want to Thank Your Office now for being available to handle challenges such as mine. I know it will be resolved with ethics something that is missing in the business world today. Thank You
Consumer complaint received 2017-06-23
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. (MO)

XXXX has incorrect balance owed on 3 credit cards that were closed. XXXX XXXX XXXX should show a balance owed of {$170.00} XXXX XXXX should show a balance owed of {$170.00} XXXX XXXX should show a balance owed of {$150.00} All 3 credit cards were closed by me because all 3 committed Fraudulent Fees to my account. I want my Credit Report to reflex the correct balance owed on all three credit cards accounts that were closed. XXXX XXXX XXXX
Consumer complaint received 2017-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Questioned billing and computer error through first and second notice. Received zero to answer my questions under FCBA. XXXX reported my account as delinquent to XXXX with no investigation. A violation of my rights!! My credit score is now damaged due to negligence on XXXX part to do a proper investigation. My credit was perfect up until this fraud and deception took place!
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

RE : XXXX  Block Request To Whom It XXXX Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Consumer complaint received 2016-11-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP (FL)

This is a rental collection for a lease on an apt i had with my husband we were both lease holders, the collection agency was initially reporting the full judgement amount of {$3900.00} + some {$400.00} in interest ( not mentioned in court ruling ) as an individual responsibility which is outright incorrect. 

I started a negotiation with them and they told me that my part of the {$4300.00} was {$1900.00} ( they took off the bogus interest and my husband 's responsibility amount ) so i negotiated that amount down to {$1500.00} with the condition that the account be reported to credit bureaus as deleted and even received a letter from them in writing acknowledging that. 

I did my part and paid the amount in XXXX and contacted them to confirm, and they confirmed to me that the account will be deleted on XXXX. At the end of XXXX i received a letter from them saying that my part of the account is paid in full and that it will be reported with the appropriate paid status, so i called them again to confirm that it 'll be reported as 'deleted ' and not just 'paid ' and they confirmed that to me again. 

Now due to the fact that no building will approve a leasing application with a rental collection on my file, i had to rent a sublet where i live an work in XXXX which is extremely expensive now during tourism season but i had no choice and I am currently approaching the end of that short term lease and with the thought that the item was reported deleted i submitted a rental application that is currently pending that i 'm sure to lose, because not only did they not report it as deleted, or even paid, it is still being reported as unpaid with the full amount again minus what i paid them. 

I have called them over 5 times and each person i spoke with confirmed to me that they reported it to XXXX and XXXX as deleted and they even claimed that after that only the credit reporting agency can delete an account, so i contacted XXXX and managed to get to a helpful person that confirmed % 100 to me that the account was never reported deleted or paid AT ALL, and the collection agency is being unresponsive and today i ca n't reach anyone there.
Consumer complaint received 2017-07-08
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. (NJ)

This compliant is against XXXX XXXX I have disputed this account that is currently listed on my credit report. I sent a mailed correspondences to XXXX XXXX and the only documentation they are showing me are invoices for me to make payment. I have never entered into any agreement with XXXX and I have asked them to verify the proof that I owed the debt.
<P/>
When I dispute these items with XXXX, Transunion & XXXX the debt is continuing being reported on my credit report as verified from furnisher which is a violation of the FCRA.
<P/>
Currently the furnisher XXXX XXXX is reporting false information for example : The date open reports XX/XX/XXXX Date of 1st delinquency XX/XX/XXXX Date of the 1st major Reporting XX/XX/XXXXHow can the account 1st delinquency which is XX/XX/XXXX, occur a year before the account open in XX/XX/XXXX.
<P/>
This information is false and I have requested all three 3 credit bureaus XXXX, XXXX and Transunion to delete the account.
Consumer complaint received 2017-06-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: STATE EMPLOYEES CREDIT UNION (NC)

I 'm trying to use a payday app,   XXXX   XXXX  , and it is showing that I have a negative balance when I just got paid. It says that my bank, State Employees Credit Union, is not sending my information.
Consumer complaint received 2017-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Student Assistance (TX)

American Student Assistance purchased this debt from XXXX and decided to temper with the original dates. I contacted XXXX to inquire about the date of delinquency in this account which was the first day after I missed a payment XXXX XXXX 2009 and should have been reported within 90 days .this account should be in default After I did n't make a scheduled payment for a period of 270 Days from last payment according to federal Regulation. I included documentation for payments schedule and proof that XXXX got no payment past the date stated above and admitting to the last payment date ... American Student Assistance provided fraudulent information to the credit agencies to default the loan at a later date so the status of limitations can be changed giving them a longer time to try to collect. Negative account information should not be reported after 7 years from the delinquency date which was XXXX XXXX 2009. Yet till this day American Student Assistance is posting negative information and their customer service is unaware of federal regulations and ignore my submitted documents that I provided. American Student Assistance should remove all negative information from all credit bureaus since the delinquency date was more than 7 years and no payment have been made since. Legal action will follow for this fraud.
Consumer complaint received 2017-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I contacted XXXX to inform them that the date of delinquency in this account was the first day after I missed a payment which was XXXX XXXX 2009 and should have been reported within 90 days .this account should be in default After I did n't make a scheduled payment for a period of 270 Days from last payment according to federal Regulation. I included documentation for payments schedule and proof that XXXX got no payment past the date stated above yet ... They included fraudulent information on my credit report to default the loan at a later date so the status of limitations can be manipulated. XXXX should remove all negative information from all credit bureaus since the delinquency date was more than 7 years and no payment have been made since. Legal action will follow for this fraud.
Consumer complaint received 2016-09-09
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Big Picture Loans, LLC (AZ)

The lender debited my account outside of the dates indicated on the repayment schedule they provided me. When I attempted to contact them to remedy, I was fed scripted lines & told that I was being charged correctly. I was told I could pay off the original loan and be finished ( after they have collected over {$500.00} in fees debited on incorrect debit dates ). I felt I had no choice but to pay off the original loan or risk more rouge debits. 

While I did not incur any overdraft fees, it has created a financial hardship as I am a single mother trying to move into a new home. 

I have the original contract and am happy to provide it to you.
Consumer complaint received 2017-07-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (IN)

They capitalized interest 7 times betwe en  XX/XX/XXXX  and  XX/XX/XXXX  which resulted in an additional {$4000.00} plus being owed on my private loan. I  have qualified for a rate reduction several times since then. When out of the reduced rate program they have increased the interest rate enough to cover the reduced rate plus. My previous rate was 1 %. My current interest rate in 11.75 %. Prior to this my interest rate was 10.75 %. So its not really reduced if they are recouping it after. I initially borrowed {$6000.00}. I owe now  XXXX . They are making 100 % interest.
Consumer complaint received 2016-09-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: DISCOVER BANK (NY)

I arranged an automatic payment to pay my student loan payment to Discover Student Loans. I authorized ONE month payment. It was due XXXX XXXX and I had to wait to get paid on XXXX XXXX. It was late, but I scheduled it to pull from my account with my next payroll direct deposit. The next payment is not due until XXXX XXXX. I did not set it up as an automatic payment, but a one-time payment. They withdrew the month 's payment I authorized as agreed, AND they then took a second payment from my checking for a slightly higher different amount. The monthly payment due was {$310.00} and I authorized this amount. They stole an unauthorized amount of {$310.00}. They overdrew my account. How can a bank do this? What recourse can you take against Discover Student Loans to police a this student loan financial institution from stealing money from my checking account without authorization? I am one XXXX, and they are a large financial institution. They know their customers are young individuals without resources to battle them.
Consumer complaint received 2017-07-08
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 compliant is against XXXX XXXX I have disputed this account that is currently listed on my credit report. I sent a mailed correspondences to XXXX XXXX and the only documentation they are showing me are invoices for me to make payment. I have never entered into any agreement with XXXX and I have asked them to verify the proof that I owed the debt. <P/>When I dispute these items with Experian, XXXX & XXXX the debt is continuing being reported on my credit report as verified from furnisher which is a violation of the FCRA. <P/>Currently the furnisher XXXX XXXX is reporting false information for example : The date open reports XX/XX/XXXX Date of 1st delinquency XX/XX/XXXX Date of the 1st major Reporting XX/XX/XXXX How can the account 1st delinquency which is XX/XX/XXXX, occur a year before the account open in XX/XX/XXXX. <P/>This information is false and I have requested all three 3 credit bureaus Experian, XXXX and XXXX  to delete the account.
Consumer complaint received 2016-06-23
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems (CA)

While checking my credit report I noticed a collection account from a Midwest Recovery Systems stating that I owe {$500.00} from an XXXX XXXX XXXX. I have had dealings with them in the past after I had received several spam/fraud emails from another collection agency XXXX that was threatening to " take me to the courthouse if I do not pay '' I asked for proof of the debt being that I am a victim of identity theft in past. The never sent me any proof of the debt. I filed a complaint with my states attorney General, and they stated that the emails I was receiving were fraudulent. I also filed a complaint with the CFPB. After this, and not receiving any feedback from any XXXX, I thought the matter was closed. Now this collection agency Midwest Recovery Systems has placed this account on my credit report which has caused my credit score to drop nearly XXXX points! I am in the process of looking for a home to rent and this has severely affected my chances of getting approved by potential agents/ landlords. I have sent letters to all " collection agencies '' that are claiming to represent XXXX with no response.
Consumer complaint received 2017-07-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: FIFTH THIRD FINANCIAL CORPORATION ()

Fifth-Third Securities Brokerage Account XXXX, Ohio XXXX XXXX Investment executive, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. OhioXXXX XXXX XX/XX/XXXX Deposited in CD XXXX. Contained a basket of 10 stocks issued thru XXXX XXXX XXXX. To receive annual payment based on the average performance of 10 stocks. Listed below 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 ( acquired by XXXX XXXX ). Never received explanation of fees or stock performance. We have received no payout or an explanation of why no payout. A market transaction fee of 4 % 3 % 2 % and 1 % have been applied. This investment has resulted in XXXX return ( not 1 Dollar ) in over 5 years. We have called XXXX XXXX and we have received no satisfaction, except inXX/XX/XXXX we may get our XXXX  dollars returned. There has been a bull stock market for the duration of this CD. A total misrepresentation by 5/3th bank
Consumer complaint received 2017-07-08
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. (CA)

I called Equifax approximately 2 months ago and disputed an error on my report. Equifax said it would take 30 to 60 days to investigate. At the end of their investigation they determined that I did not owe the debt. They removed the debt from my report. Days later I checked my report and they added the debt back but under a different company 's name. <P/>The debt I am referencing has been submitted by the company " XXXX XXXX XXXX ''. The original debtor is listed at XXXX XXXX in the amount of XXXX. I never owed XXXX XXXX any money and I verified this with XXXX XXXX and included this information in my original complaint. I do now owe this debt and would like if it was removed permanently. They did not verify this debt. In fact they verified I did not owe it when I first disputed the debt.
Consumer complaint received 2017-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX is reporting the same loan twice on my credit report. I have reported this to the credit bureau however XXXX keeps verifying both accounts as valid. I have only had one XXXX XXXX  XXXX  loan but reporting the same loan twice with slightly different account numbers is not helping my credit. Transunion has listed one account # as XXXX and the other as account # XXXX. XXXX XXXX XXXX needs to remove these duplicate records from my credit report but they are failing to do so even after I have asked Transunion to reinvestigate.
Consumer complaint received 2016-11-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The CMI Group, Inc. (IN)

Hi, I have got calls/Letter from Credit Management XXXX to collect debt. I have disputed the debt and requested details of the calculation as I do n't own any debt for XXXX. Credit Management XXXX is not able to provide any details of the debt verification. 

I will appreciate your help in resolving this issue ASAP. 

Thanks
Consumer complaint received 2017-07-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tower Loan of Mississippi, Inc. (MD)

I owe a loan 2 years ago in Tower Loan XXXX. Amounting more than XXXX , admit I have delinquent account to them in XX/XX/XXXX.I moved to XXXX from XXXX in XX/XX/XXXX. From there I never received any demand letter from XXXX XXXX XXXX, When I check my credit report in XX/XX/XXXX I saw the address tower Loan XXXX XXXX XXXX XXXX XXXX XXXX # XXXX .I contacted them to settle this account amounting XXXX $ but they said I do not have the account there I need to call XXXX Tower Loan I called and talk to the manager but said he needs to talk to their lawyer because he do not know how much I owe. They said They will call me back but since then they never called me back and I called the branch many times unfortunately they can not give me any amount I keep on calling on the branch XXXX but still do not have the amount for me to settle the loan amount.Until XX/XX/XXXX I despute the Tower Loan for collection because they can not give me information how can I settle this to the 3 credit bureaus Tower Loan verified that the item is correct so it will remain in my credit history because the company verify it correct as of XX/XX/XXXX. I called the address appeared in my credit report / history the same thing they told me I do not have an account in their office but it was reported in my credit history the address and the amount and when I called Tower Loan again in XXXX they can not provide the amount because they need to talk to their lawyer. I 've been calling them for almost a year to settle the collection appeared in my credit report but Tower Loan XXXX can not provide me the amount and the address appeared in my credit report where I owed a collection/ charge off of XXXX XXXX my account is not listed there and they said that they can not provide me information about my charge off / collection because I do not have account to them. They reported in the 3 credit bereau as of XX/XX/XXXX and verified it correct but when I called them the same thing they will say that I do not have an account from them. Since they can not provide me how much I owe and they are not helping me to settle this account in Tower Loan, I am filling complain against Tower Loan for giving wrong information about my account and the address appear to my credit report they do not have my information and data for the said loan. I even send an email through their website customer service and dispute it to them but no actions were made. I do hope you will help me to erase/delete the wrong information that they put in my credit report.