davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-26
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)

I am writing in regard to the several attempts I have made to Transunion to remove the multiple inquiries that's showing on my report. I have sent certified letters ( XXXX & XXXX ) to Transunion with a copy of my ID and SS card and proof of my current residence. I advised also by phone that these are not recognizable inquiries and it is impacting my credit score. I also advised in a certified letter that there is a bankruptcy that is showing on my credit file that needs to be removed. I contacted the US bankruptcy court to ask them about a case that's showing on my Transunion and XXXX  report, I was advised by the clerk that they do not report information to the credit bureaus. I called back ( XXXX ) to advise that the information that you are reporting on my file is incorrect and needs to be removed. I received a letter in XXXX stating that my inquiries and Bankruptcy came back as verified. I sent another letter in XXXX asking them to please send me proof on the evidence they attained to verify if any of the information was indeed mine. I have yet to receive a validation from XXXX or Transunion.
Consumer complaint received 2018-01-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Unisa, Inc (KS)

Was using XXXX as the previous student loan finance company, before my loan was transferred to Unisa. I never had any issues with payments being received by XXXX. However, with the current provider, I have had an issue every single time I have tried to make a payment, resulting in several " past due '' marks against me -- each time due to their computer system that repeatedly fails to handles the payments. I contacted the company by their email contact form, concerning their system continuously having errors. I never received a response. I mentioned the issue to the customer service representative when having to make a past due payment due to their system, again, to no resolution by the company. 

I have attached a screenshot of my account payments, all being late due to their faulty payment system. Only one payment with them had been made previous to what was shown in the screenshot and it was on time due to their system being completely inaccessible ( could not even log in ) the first time I attempted to use it -- so a call was made to make the payment. Every following time, I had access to the system, the system indicated that everything went through and was processed correctly, and then would later tell me it was past due and would have to call and make a late payment. 

The continuation of the issue and the disregard for it indicates that these errors may be intentional so that the consumers of their system will have more interest to pay them on the payments, resulting in purposeful inaccessibility and essentially a fraudulent payment system.
Consumer complaint received 2018-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (MD)

I opened a new checking account on XX/XX/XXXX with TD Bank located at XXXX XXXX XXXX, XXXX XXXX, MD XXXX. I had opened a new account due to a fraudulent check being cashed on XX/XX/XXXX under my previous checking account with TD Bank that I had open since XX/XX/XXXX. My bank account was originally handled by XXXX XXXX and was taken over by TD Bank. The fraudulent check has been reported and is currently under investigation with TD Bank. I had closed that account on XX/XX/XXXX and opened a new checking account with TD Bank. I was also issued a Debit Card in the bank that same day. I then did not use my debit card anywhere until XX/XX/XXXX at the ATM in the bank located at XXXX XXXX XXXX, XXXX. I then received my bank statement for the new checking account in the mail on XX/XX/XXXX and discovered 11 fraudulent charges were made between XX/XX/XXXX and XX/XX/XXXX at XXXX XXXX XXXX in XXXX, MD totaling the amount of {$360.00}. I contacted TD Bank on XX/XX/XXXX to file a complaint where I spoke with XXXX who advised me the charges at the pub totaled the amount of {$400.00}, and that money would be back in my account within 5 business days. On XX/XX/XXXX I went to TD Bank and spoke with XXXX XXXX who issued me a new debit card. On XX/XX/XXXX I went to a XXXX XXXX Police station located in XXXX on XXXX XXXX XXXX XXXX, XXXX, MD XXXX to file a fraud report with XXXX XXXX # XXXX. He told me that he would go to XXXX XXXX XXXX to check if they had video surveillance. On XX/XX/XXXX I went to the bank and they told me the fraud claim was denied. I acquired the police report number from home and went back to the bank to have them take a copy. Following that I was issued an ATM only card and the girl cut up my debit card. I did receive the ATM card in the mail. On XX/XX/XXXX I went to TD Bank and requested the denial in writing. On XX/XX/XXXX XXXX XXXX called me from TD Bank and told me it was denied because the chip was presented at the pub. He said he had the denial in writing for me to pick-up. On XX/XX/XXXX I went to the bank to pick-up the denial e-mail that XXXX received. The email was from XXXX XXXX of the fraud department and she stated that the reason for denial was that chip cards can not be counterfeit at this time, so the card must have been present. It read the pub was 25 minutes away from my home address, and no decline attempts were made with the card after it was closed, leading them to believe the person who used the card knew it was closed. It should be noted that no other fraudulent charges were made between XX/XX/XXXX and XX/XX/XXXX when I reported the fraud to the bank. I spoke with Manager XXXX XXXX who told me that there was nothing further they could file since the chip card was used at the location. I asked if it was possible an employee at the bank created a second card and used it and he told me that it was not possible. I have since found reports online of TD Bank employees creating second debit cards on customer accounts.
Consumer complaint received 2018-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

1. XX/XX/2017 Bank of America rejected my application for a Visa card. 
2. I was informed that this was because I had a payment modification made on a previous credit card. 
3. Responsibility for paying the credit card was assigned to another party in a judicial settlement. 
4.Since I was the primary holder of the card only I could request a modification to the payments.

5. I neither made nor approved anyone to make such a request nor was I informed by the bank that such a request had been made. 
6. The bank refused to correct the error and remove the injurious report from my file.

7. To protect my credit from future injury I subsequently had to pay off the remaining balance on the credit card. 
8. The bank has refused to accept responsibility for the error and to provide a written apology.
Consumer complaint received 2018-01-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

I have been contacted by Transworld systems attempting to collect a debt that I supposedly owe XXXX XXXX XXXX. The alleged debt is {$37.00}. 

I have no idea what the debt is for and I would almost pay it just so the don't try to ruin my credit, but they do not even communicate what the debt is for or a reasonable way to pay the debt online or over the phone.
Consumer complaint received 2018-01-27
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. (TX)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA Section 623 ( a ) ( 1 ) ( A  ) Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your failed to mark the XXXX XXXX XXXX with the balance of XXXXacct. # as disputed by consumer within 30 calendar days since my first dispute on XX/XX/2016 and how I`m entitled to XXXX per occurrence for this violation. 

I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 623 ( a ) ( 1 ) ( A ) if the XXXX XXXX XXXX with the balance of XXXX-acct is not deleted immediately. 

I`m filing this complaint through the Federal Trade Commission because this will be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

The item listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to mark this item as disputed by consumer within the first 30 calendar days since my first dispute in XX/XX/2016 and you violated this law. 

I hereby demand immediately deletion of XXXX XXXX XXXX with the balance of XXXXacct. # XXXX from my report in which you violated Section 623 ( a ) ( 1 ) ( A ). 


Please note, you have already violated Section 623 ( a ) ( 1 ) ( A  ), which you failed to mark as disputed within the first 30 days of my first dispute in 2016, which entitles me to XXXX for damages and other violations. I have copies of every credit report since 2016 showing you have violated the FCRA.
Consumer complaint received 2018-01-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Armcon Corp (CA)

XXXX XXXX XXXX obtain a judgement without my knowledge, my due process was violated. XXXX claims I was served 2 times, both to different individuals that do not live at the address or do not excist, eventually XXXX petition for a clerks judgement and got it, all without me knowing of a court date. Or a chance for me to respond to the summons. When I recived noticed of this judgement I contacted XXXX XXXX XXXX to discuss and even offer to settle, XXXX, the owner was very unprofessional and threatening he said if I tried to fight them he will continue to add more attorney fees to the account, this account was from 2012 from a XXXX XXXX XXXX when I was in the XXXX   academey. It's a fund XXXX county provides XXXX   to help during the first couple of weeks of training due to the extended wait for our first pay period, I was hurt during my training and had to drop out, I was told I didn't have to repay the debt since I was out due to injury.overall this collection company violated my rights and defrauded the courts in order to get a judgement on me an damage my credit rating, I also hold a government XXXX XXXX with my employer this is threathing my job as well can you please look into the type of business these people run, I have read many complaints on this company and their shady business practices and how they have victimized many other people the same way
Consumer complaint received 2018-01-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: STATE FARM BANK, FSB (IN)

State Farm Bank whom I had an home equity loan with once I paid the loan down to % 20-25 in late lump sum payments I told them I would receive and did from XXXX XXXX XXXX benefits. After the 1st portion of the settlement and 1st payment I was sent to credit reporting agencies for the reminder ( the % 20-25 ). 
Since being reported and I believe that they wrote the debt off filed claims or taxes on the debt Years later I have received threats of foreclosure for the whole original debt of the entire loan. 

S.o.s.
Consumer complaint received 2018-01-28
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. (AR)

Last month I sent Transunion a letter informing them of unauthorized/fraudulent inquiries on my credit report. To this date Transunion has not removed the unauthorized/fraudulent inquiries that shows on my report. I have not given anyone listed on those hard inquiries permission to check into my credit report for any reason. Further, they have no proof, no contact info, no contract, no signature proving anything, yet they continue in their inaccurate reporting. If they do not remove these inaccuracies from my report I will have to ask you ( CFPB ) to fine them for their noncompliance of the FCRA, I will further file a complaint with the FTC, the attorney general 's office as well as the BBB. As I am entitled to a fair credit report just like anyone else. 
Thanks
Consumer complaint received 2018-01-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Simon's Agency, Inc. (NJ)

I was admitted into the hospital back in 2014 and a doctor who seen me while I was in the ICU kept sending me bills. I called up XXXX XXXX XXXX and gave them my insurance information again. My insurance paid the bill and XXXX XXXX XXXX placed me in collections. I called up the collection agency and they are saying that they have no record of the collection account. When they are the ones who are reporting the account on my credit report.
Consumer complaint received 2018-01-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

I have contacted the company about having the PMI insurance being dropped as I have met the requirements to do so.They insist that the rules for this are different for my loan and the PMI will remain. I have spoken with my account who has reviewed the paperwork and he agrees that it should go away based on the current value of the home ( XXXX ) vs the amount of the loan currently ( XXXX ). Wells Fargo said that this is based off the original value of the home, not the current value, but even if that were true my home was valued at XXXX when it was purchased. 

I feel like I am being strung out to pay this additional @ XXXX each month for no reason, and if this was taken care of when I had called originally over 2 years ago, I would have saved over {$4800.00} in that process. 

I am also looking to have a real estate attorney look into this as well, but wanted to have something documented since this bank has a reputation of shaddy practice.
Consumer complaint received 2018-01-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IN)

I have been making on time payments on my student loans to Navient and have been paying even more than the requested amount each month. I went to make a payment today online automatically drafted from my bank account, they are calling my payment past due even though Im paying on the the date it is due. I tried looking all over the website and their is no information to contact anymore their to speak to.
Consumer complaint received 2018-01-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

I received notice of an escrow shortage from XXXX XXXX. That letter stated that I had the option to pay the shortage outright by XX/XX/XXXX or to accept a payment increase on XX/XX/XXXX which would ( over time ) correct the shortage. I elected to pay the shortage outright and they received my payment on XX/XX/XXXX. Because the escrow shortage was less than the regular payment amount, they placed the funds in suspense. I sent a secured email ( ref ID XXXX ) through their website on XX/XX/XXXX which informed them that the payment was to cover an escrow shortage. On XX/XX/XXXX I checked the account and LoanCare had misapplied the funds ( as loan curtailment ) so I called and was told that my XXXX payment ( for the increased amount ) would not change. I replied I would pay my regular amount and not the increase because I complied with their instructions and they misapplied the funds. There was similar miscommunication relative to escrow shortage when XXXX assumed servicing for my loan in 2015.
Consumer complaint received 2018-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

2 Certified lettershave been sent to XXXX # XXXX and EXPERIAN # XXXX they have refused to VALIDATED & investigate all accounts that were list on paperwork I have asked called they now state they were never sent or have recipe any CERTIFIED mail from me which is a Lie I'm now ready to file lawsuit against them for not VALIDATED proof that these accounts are my accounts and the amount they have stated I owe is true I also request a Certified copy of the True Bill as proof all updates of the Investigation shall be sent to me by email @ XXXX by XX/XX/2018 I gave them 25 days to reply and they have refused all actions I have requested them to do also I stated that a IRS Tax Lien Claim also be VALIDATED all claims have been denied from these companies to VALIDATED these claims UCC 1-308 WITHOUT PREJUDICE
Consumer complaint received 2018-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCC Business Services, Inc. (FL)

I was a resident of XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX Fl XXXX from XX/XX/XXXX to XX/XX/XXXX - - Upon moving suddenly due to a job loss, I was told I owed an egregious amount ( XXXX ) that I am not acknowledging or accepting without proper documentation on behalf of XXXX XXXX. On XX/XX/XXXX I sent my first email to the property asking for clarity on the charges and documentation on how this incorrect number was put together, I did not get a response.. I submitted a letter to XXXX XXXX XXXX on XX/XX/XXXX ( I have receipts etc ) - after reaching out for weeks and months via phone and email to no avail- In this letter I submitted photographic evidence of the state of the apartment before and after my occupancy and requested a delay in credit reporting due to what I'm sure was mistake in accounting. A few days later I received notification via a delivery receipt that XXXX XXXX had indeed received my letter, I also received a credit alert stating I now had an open account in collections in the amount of XXXX. Very Very shortly after on XX/XX/XXXX, I finally receive an email from the property manager -XXXX XXXX- now informing me that they had made a mistake and that the correct balance is actually XXXX. Which is a very far cry from XXXX - I did receive a breakdown to how that number was formulated but after this circus I am not sure of these charges either. Naturally, I am very apprehensive about if this number is correct, especially since if I would have been told the " correct '' number I very easily could have paid, but I was unwilling to send 1700+ at the wim of simply being told that is what i owed, when I knew the contrary. I feel XXXX XXXX is practicing shady business ethics and I am requesting receipts for the " Tile/Grout cleaning, Broken Blind replacement, carpet replacement, and drip pans '' - I am also requesting this be removed completely off of my credit report, largely in part to me being given incorrect information after repeatedly calling to get the correct information to avoid this hoopla. I am needing to find a home for myself and my son, and this extreme hindrance is not only very inconvenient, I'm pretty sure it is illegal.
Consumer complaint received 2018-01-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management (NC)

I received a letter from a company called XXXX. They have many complaints on the BBB. They are saying I owe XXXX for taking my child to the emergency room. I did take her but cleared up that bill completely a month ago. I called the hospital to double check that everything was paid. This company is commiting a crime. I don't have a lot of money and I'm trying to build my credit so I am scared.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$35000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX