davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Account Name : XXXX XXXX XXXX  Account Number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2016-07-19
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: LDF Holdings, LLC (CA)

I only got the loan on XXXX XXXX 2016. The agreement was to pay XXXX/w. I have made 2 payments so far of XXXX. I called to get the pay-off amount on XXXX/XXXX/2016 and was told I still owe XXXX. The guy told me they are only putting XXXX/w towards the principle amount. The original loan amount was XXXX and the company added a finance charge of 657.65 or 720.01 % interest rate. The terms state you may prepay your loan at " Any '' time without penalty, but when you call for a pay off amount they tell you you have to wait for 2 days and add 2 more days of interest.
Consumer complaint received 2017-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I submitted a complaint to CFPB ( XXXX ) and XXXX denied the allegation and were snide in their response as well, I might add. Per XXXX 's letter dated X/XX/2017, 'We respectfully decline to request any changes to the information provided to the credit reporting agencies '. To this I reply, " XXXX, you are not at liberty to decline. It is the law that you delete the information per The Fair Credit Reporting Act and the State Attorney Generals Office of Consumer Affairs, because it is not accurate information as you purport. '' You are not truth telling when you state in your letter that you are reporting in a consistent and accurate manner to the agencies. I have attached, and have hard copies, from the three different credit bureaus to prove that you in fact have been reporting different balances and payment histories to all three agencies, to include wrong/different reporting for the month of XXXX  2017. Ill regardless of my payment arrangement, that I made a payment on today, you must delete the account as I am requesting by law, as you have violated credit reporting laws, and refuse to obey and delete. '' In your letter you mention a {$100.00} difference you credited me in the total remaining balance on my settlement agreement as the reason for the credit agencies having different totals, etc. The difference you are reporting to XXXX and Experian is a {$2700.00} difference. And the XXXX  difference in comparison to what is being reported to Experian is $ XXXX.You XXXX , suggest request that I contact the Credit reporting agencies regarding discrepancies. You contradict your earlier statement of, 'XXXX is merely a furnisher of credit information, and not the agency, and has no control of the contents of credit history maintained by the agency. ' You are the original reporter and must request that they delete this inaccurate/inconsistent account from all three agencies. I did not say delete my payment arrangement, I said delete this account off my record as is your responsibility to me the consumer, per fair credit reporting laws.
Consumer complaint received 2017-07-21
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. (TX)

I submitted a complaint to CFPB ( XXXX ) and XXXX denied the allegation and were snide in their response as well, I might add. Per XXXX 's letter dated X/XX/2017, 'We respectfully decline to request any changes to the information provided to the credit reporting agencies '. To this I reply, " XXXX, you are not at liberty to decline. It is the law that you delete the information per The Fair Credit Reporting Act and the State Attorney Generals Office of Consumer Affairs, because it is not accurate information as you purport. '' You are not truth telling when you state in your letter that you are reporting in a consistent and accurate manner to the agencies. I have attached, and have hard copies, from the three different credit bureaus to prove that you in fact have been reporting different balances and payment histories to all three agencies, to include wrong/different reporting for the month of XXXX  2017. Ill regardless of my payment arrangement, that I made a payment on today, you must delete the account as I am requesting by law, as you have violated credit reporting laws, and refuse to obey and delete. '' In your letter you mention a {$100.00} difference you credited me in the total remaining balance on my settlement agreement as the reason for the credit agencies having different totals, etc. The difference you are reporting to Transunion and XXXX is a {$2700.00} difference. And the XXXX  difference in comparison to what is being reported to XXXX is $ XXXXYou XXXX , suggest request that I contact the Credit reporting agencies regarding discrepancies. You contradict your earlier statement of, 'XXXX is merely a furnisher of credit information, and not the agency, and has no control of the contents of credit history maintained by the agency. ' You are the original reporter and must request that they delete this inaccurate/inconsistent account from all three agencies. I did not say delete my payment arrangement, I said delete this account off my record as is your responsibility to me the consumer, per fair credit reporting laws.
Consumer complaint received 2017-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (TN)

I checked Fedloan after checking my credit report to buy a home, when it came back I had XXXX > past due XXXX. I havent lived at the address they have on file for over XXXX years, nor have I received any phone calls from them. I was never offered any type of assistance or forbearance. I only realized they were out there after I applied for a home loan, I was only enrolled in the schooling for 3 months before having to leave due to XXXX and my husband leaving for the XXXX. Also had problems with mail forwarding even after moving out and now the loans have defaulted leaving a huge mark on my credit to where I can now not purchase a home for my family. The loans are also over XXXX and I never received any where near that amount of schooling.
Consumer complaint received 2017-08-28
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Systems,Inc. (MD)

On multiple occasions, I have attempted to contact NCS in order to resolve disputed charges. Every time I try to ask questions regarding the portion of the debt that I am disputing, the Collection Representative XXXX XXXX refuses to answer any questions about what documentation they will accept. He will then say that the conversation is over and hang up on me, or say I can talk to a supervisor and then hang up on me instead. This has happened every single time I have called them regarding my account. It is impossible to make any progress if they refuse to give me any information on what they will accept as proof of my claims.
Consumer complaint received 2017-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have mortigage with Merilynch/Bank of America on my Condo+Parking in XXXX XXXX NJ since XX/XX/XXXX.  The mortigage company had missed payments of tax for the parking, but were paying tax for the condo only. The missed payments were only for the year XX/XX/XXXX. The XXXX county send me the notice of foreclosure in XX/XX/XXXX and i had just one day to pay off the amount and avoid foreclosure. I discussed with XXXX XXXX ( Bank of america ) and have not been successful to get the money back that i had to pay at the Tax office of XXXX county.
Consumer complaint received 2017-07-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Contacted this company XX/2017 with certified mail asking to validate debt they are trying to collect. Portfolio responded but not with suitable verification of debt, no sign agreement or verification they had the right to collect. Sent a second letter asking for validation Company sent same information as the first time and a letter stating that their dispute department has review this information and they are not going validate the alleged debt again. My issue is that they did n't validate it at all nor did they provide documentation that they have the legal right to collect this alleged debt.
Consumer complaint received 2017-08-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

XXXX XXXX XXXX XXXX sent me a letter on behalf of XXXX XXXX XXXX original creditor is capitol one ending in XXXX ref number XXXX total due is XXXX. this is not my account nor did I ropen this account ever in my lifetime,. It is n't on my credit report nor has it ever been listed in my credit report ever. they can be reached at XXXX XXXX XXXX. they do n't want to XXXX me all the want is my XXXX XXXX XXXX XXXX XXXX XXXX money. XXXX them I do n't owe them. They have a very poor rating as a scam company after researching on google. this is the XXXX letter I have received from them in XXXX years .. I would like it if you can help me purge myself of these insidious predators. working in a bolier room to steal mine and others money.
Consumer complaint received 2017-07-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

I have been receiving more than one call a day from Navient with regard to my outstanding balance on my student loans. Because both my husband and I carry outstanding balances on student loans, we want to consolidate our loans and apply for income based payments. Navient has denied me that right, claiming that because the loan they are calling about is a " private '' loan they can not speak to the facts about my subsidized and non-subsidized loans. They have given me options to make payments towards only the private loan for which they call about and they refuse to entertain that I can not afford the payment options they are giving me. This is above and beyond the fact that the institutes who sold me my education falsely promoted wages and career opportunities to get me to go to them. I can not afford to hire an attorney to help me with this issue. I have applied to the Borrowers Defense on https : //studentaid.ed.gov and I am patiently awaiting someone to contact me to help. Furthermore no one at Navient has responded to my request for documentation to review from my original loan ( s ). What can I do? Where can I turn?
Consumer complaint received 2017-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

my accounts XXXX account number XXXX date opened XX/XX/XXXX and capital one account number XXXX date opened XX/XX/XXXX, are reporting one late to credit reporting agencies. which are inaccurate, so please have these inaccuracies removed especially when i have the creditors letters as approval to do so. 
thank you for your cooperation please find attached the creditors letters.
Consumer complaint received 2017-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX IS REPORTING NEGATIVE LATES ON MY ACCOUNT NUMBER XXXX DATE OPENED XXXX LATE REPORTING IS ON XXXX XXXX AND ACCOUNT NUMBER XXXX DATE OPENED XXXX, THESE ARE ABSOLUTE INACCURATE. 
I HAVE WRITTEN REMOVAL REQUESTS TO XXXX XXXX XXXX. BUT NO RESPONSE FROM THEM I HAVE REQUESTED THEM CURRENT LETTER OR ACCOUNT STATUS LETTER, BUT THEY ARE NOT RESPONDING. 
AND PLUS THAT I HAVE CONTACTED BUREAUS TO HAVE THIS REMOVED THEY ARE NOT COOPERATING AND PLACING DISPUTE AFTER DISPUTE. 
PLEASE HELP I NEED TO REFINANCE AND THIS IS AVERY IMPORTANT ISSUE AT THIS POINT IN MY LIFE. 
I WOULD GRATEFUL IF YOU HELP ME
Consumer complaint received 2017-01-20
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

capital one I asked to have my credit limit lowered. They said they could not lower it. My limit is almost XXXX and this affects my credit as I am not using the line so have a low utilization. They said their contract with jordans the furniture company who I set up the account with has expired. 
However they are the group still managing the account so are responsible for the credit limit reported to the credit bureaus. I said they are reporting incorrect information as the line is no longer available to be utilized yet it is having a negative impact on my credit rating for not being used, i.e. the low utilization rate. Please tell capital one that they can not report inaccurate information that negatively impacts the consumer. This leads to me being charged higher interest on any new cards. I spoke with XXXX who hung up on me on XX/XX/2017 at approximately XXXX. Thank you
Consumer complaint received 2017-07-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc. (CA)

In XX/XX/XXXX of this year I paid {$70.00} to XXXX XXXX  Hospital for services received. I subsequently received calls from them in XX/XX/XXXX requesting payment again for the same amount. I provided proof of payment to two different individuals when they called. On the second call I received acknowledgement from the representative that the bill was indeed paid and heard nothing further from XXXX XXXX Hospital. In XX/XX/XXXX I received several calls from a company called Aargon, XXXX XXXX XXXX XXXX, XXXX XXXX Nevada XXXX, purporting to be collecting for the same debt that had been previously paid. I explained the situation verbally and then finally via email on XX/XX/XXXX with proof of payment attached. I warned in that email that continued harassment would be reported to the appropriate authorities. This morning I received yet another harassing phone call from Aargon for the same debt. I explained that the issue had been resolved and referenced my email of XX/XX/XXXX. The representative XXXX ( would not provide last name ) stated " we have not received such an email '' and insisted that the payment was still outstanding. She provided another contact email which I have forwarded the earlier correspondence to in response to her call. I am happy to provide any and all reference materials in support of my case but request assistance to stop this undue harassment.
Consumer complaint received 2017-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

I received a letter from the IRS stating that in XXXX 2015, XXXX XXXX XXXX which was acquired by XXXX XXXX XXXX XXXX, a subsidiary of Fidelity National Information Services , INC.,  reported a retirement income to the IRS in the amount of {$12000.00}. The problem I am having is that the IRS is saying I owe them money now and I never heard of nor had an account with XXXX XXXX XXXX. The IRS is stating this is an IRA. As much as I would love one, I do not own any IRA accounts. The only thing I can think of is that they, in error, used my SSN ( XXXX ). Either way I have nothing from this company nor about this company and I am furious that I have to go through this. Is n't a company suppose to send a XXXX to the person who took a distribution? I want a copy of what was sent to the IRS. I need a corrected XXXX or income statement and I need a written statement stating this was an error. I have searched via the internet and found 2 phone number, left messages and no one has gotten back to me. I need this corrected ASAP.
Consumer complaint received 2017-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NM)

On X/XX/2017 I authorized a funds transfer to another bank. That evening I received a phone call at a number that I never had given to the Chase Bank, NA. They mentioned the amount of the transfer and then tried to get me to register my phone with them by sending a code. I had no reason other than their possession of this one piece of information to believe that they were legitimate representatives of Chase Bank. I hung up and soon thereafter called Chase Bank at the number on the back of my debit card. 

I was informed that the transfer had been canceled and I should talk with their fraud prevention dept. This department insisted that I was not who I said I was and that they had also frozen my account and access to their website. I spoke with XXXX among others. They said in order to prove who I am, I would have to go to a Chase Bank and show two forms of ID. I told them their was no bank near my home and asked them if their was a bank close. They asked my address and then hung. This happened three times. I am ill and have a limited ability to travel 100 miles to another state to verify my identity.
Consumer complaint received 2017-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

I submitted a complaint to CFPB ( XXXX ) and Santander denied the allegation and were snide in their response as well, I might add. Per Santander 's letter dated XX/XX/XXXX, 'We respectfully decline to request any changes to the information provided to the credit reporting agencies '. To this I reply, " Santander, you are not at liberty to decline. It is the law that you delete the information per The Fair Credit Reporting Act and the State Attorney Generals Office of Consumer Affairs, because it is not accurate information as you purport. '' You are not truth telling when you state in your letter that you are reporting in a consistent and accurate manner to the agencies. I have attached, and have hard copies, from the three different credit bureaus to prove that you in fact have been reporting different balances and payment histories to all three agencies, to include wrong/different reporting for the month of XX/XX/XXXX. Ill regardless of my payment arrangement, that I made a payment on today, you must delete the account as I am requesting by law, as you have violated credit reporting laws, and refuse to obey and delete. '' In your letter you mention a {$100.00} difference you credited me in the total remaining balance on my settlement agreement as the reason for the credit agencies having different totals, etc. The difference you are reporting to XXXX and XXXX is a {$2700.00} difference. And the XXXX  difference in comparison to what is being reported to XXXX is $ XXXX.You Santander , suggest request that I contact the Credit reporting agencies regarding discrepancies. You contradict your earlier statement of, 'Santander is merely a furnisher of credit information, and not the agency, and has no control of the contents of credit history maintained by the agency. ' You are the original reporter and must request that they delete this inaccurate/inconsistent account from all three agencies. I did not say delete my payment arrangement, I said delete this account off my record as is your responsibility to me the consumer, per fair credit reporting laws.
Consumer complaint received 2017-07-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Best Service Co.,Inc (CA)

I received a copy of my credit report from XXXX, XXXX and XXXX and noticed a collection account reporting against my SSN from The Best Service Company. Prior to me obtaining a copy of my credit reports, I had no knowledge of this account or alleged debt. I have requested validation multiple times from the credit reporting agencies regarding this account and have only been told it 's " verified '' with no supporting documents. I have also contacted The Best Service Company multiple times, the last being on X/X/2017, for validation of this debt and have yet to receive anything. I have no contract or agreement with this company and have never received any goods or services. I have a right to have information validated that is contained on my credit report or it needs to be promptly deleted. I have not received a copy of a signed contract or any other verification from The Best Service Company.
Consumer complaint received 2017-07-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Express Recovery Services, Inc. (UT)

The collection agency has refused to supply me with the requested documentary evidence bearing my signature that I have some contractual obligation to pay them. In the absence of any such evidence, I must assume that this is not a valid obligation. Express Recovery Services has damaged my credit by reporting this unsubstantiated obligation to the XXXX major credit bureaus. I want this erroneous information deleted from my credit reports. Furthermore, Utah Code states that the statute of limitations for an open ended account is four years. A debt collector no longer has a right to sue for payment once a debt ages past the statute of limitations. This is a violation of the Fair Debt Collection Practices Act.