davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-02
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. (CO)

I had a dispute with XXXX XXXX where they were wanting {$1100.00} to settle an account. I offered them a settlement on XX/XX/2017 in the amount of {$300.00}, which they accepted as indicated by their cashing of the check ( see attached ). However, XXXX incorrectly referred the difference of approximately {$830.00} to a collection agency. I disputed that amount with the collection agency and XXXX ( see attached XX/XX/2017 letter ). Neither XXXX nor the collection agency ( XXXX ) pursued the collection any further. However, it was reported on my credit report as a negative account. I contacted the credit reporting agencies and provided them the information but they have not taken any action and my credit report other than to note that it's " in dispute. '' I am requesting that this issue be resolved on my credit report and the negative account removed from my credit report.
Consumer complaint received 2019-03-10
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: EQUIFAX, INC. (GA)

EQUIFAX IS REPORTING ACCOUNTS DOUBLE THE BALANCE - THE PDF I'LL UPLOAD REFLECT THAT, PLEASE TAKE A LOOK AT : TOTAL CREDIT LIMIT TOTAL CREDIT BALANCE TOTAL MONTHLY PAYMENT AMOUNT THIS IS HINDERING MY OPPORTUNITY FOR A MORTGAGE AND EQUIFAX HAS NOT UPDATED AFTER MULTIPLE REQUEST THANKS XXXX XXXX XXXX
Consumer complaint received 2019-02-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PNC Bank N.A. (GA)

Ive been sent a letter in the mail earlier this year I believe in regards to a debt made out to me as a result of somebody stealing my identity. Sent money to my account using the routing number and my account number and used my card to buy stuff which I did not authorize. I called to speak on it and was told Ill be called back but never was. This was I believe two years ago as well.
Consumer complaint received 2018-12-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied Collection Services, Inc. (Nevada) (NV)

In the month of XXXX I realized that my credit report contains an erroneous medical bill on my credit report in the amount of {$9300.00} posted as ; placed for collection on XX/XX/14 by Allied Collection Services representing XXXX XXXX XXXX. 

I was not aware of this debt until I saw this on my credit report. Apparently it was never submitted to my medical insurance I was never notified by the XXXX XXXX XXXX or Allied Collection Services. Thus, I have also turned this matter over to : Office for Consumer Health Assistance ( OCHA ) DHHS, Governors Consumer Health Advocate The above mention agency OCHA contacted Allied Collection Services and requested validation of the above-mention debt. Allied Collection Services then sent an illegible copy of a bill that contained an unknown name ( see attachment ) to the Office for Consumer Health Assistance ( OCHA ).
Consumer complaint received 2018-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Auto Trakk, LLC (MI)

I have paid off XXXX completely for the amount that they stated I owe. The amount should have been listed as {$0.00} owed. They continuously report that no payments have been made or it is commonly reported wrong. I no longer owe this company anything and they refuse to report it accurately.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my XXXX XXXX. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my XXXX XXXX, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2019-02-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (NY)

I am approaching a debt collection company to make them aware that I have fallen on very difficult times. I would like to see if I can avoid filing for bankruptcy, but that decision is quickly approaching. Therefore, I am requesting a very low offer in compromise to the attached collection letter as quickly as possible. I could borrow {$2000.00} from a family member to settle this account in full, but that is as high as I can go at this time. I have over {$120000.00} in unsecured debts, and my financial position is in bad shape at this time. This company can reply through the Consumer Financial Protection Bureau portal.
Consumer complaint received 2018-12-02
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. (NY)

The credit reporting agencies Experian, XXXX  XXXX XXXX and XXXX XXXX are in violation of reporting unverified, an unvalidated account on XX/XX/2018 information provided to them by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you  are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts from my credit eport
Consumer complaint received 2018-11-30
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. (AL)

m writing this complaint as my second complaint against both Transunion and XXXX  credit bureaus because I have noticed a incorrect fraudulent bankruptcy that is reporting on my credit file within their bureaus and I have asked for them to dispute the information and to ultimately remove this information from my credit report. I have been informed by both bureaus that they have received their information from XXXX XXXX and they claim that they have verify this information. I have been in contact with XXXX and have recently discovered that my file is frozen and has no information to report as well as they have not had an inquiry done by these credit bureaus. I am requesting that they eat mediately remove the chapter XXXX bankruptcy that is reporting on my credit files with in their bureaus immediately. Power of the federal credit reporting act this is a violation and it prevents me from furthering my credit score which I am entitled to do as a consumer, my information should be correct and report it correctly, I should not have to fight with these barrels for over six months to remove something fraudulently when there is already a police report in my file.
Consumer complaint received 2018-11-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (IL)

XX/XX/2018 : A debt collector has reached out to me via phone to collect a debt for XXXX from 5-1/2 years ago. There has been no prior billing for this fee. I asked them for written verification of the details of what this bill is for and they stated that they could not provide but I needed to pay the bill. 
XX/XX/2018 : Received a USPS mail communication dated XX/XX/18 providing the requested information. Attached was a bill from XXXX showing a payment received of {$360.00} with a balance due of {$140.00} from XX/XX/18. 
XX/XX/18 : called Southwest Credti at XXXX and spoke to XXXX XXXX. She reviewed the collection and was not notified in her system of a 5 year statute of limitation in Illinois and they have a policy not to dismiss any debts. I asked her to verify that they would no longer be contacting me on this debt and she agreed. She then told me she would transfer me to the Executive Relations Manager as I told her I was filing a claim with the CFPB. I was put on hold for several minutes and then directed into a voice mail for the Executive Relations Manager. I did not leave a message.
Consumer complaint received 2021-02-12
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: Nelnet, Inc. (GA)

In XX/XX/2020, I consolidated my old Dept of Ed student loans with XXXX. I am paying XXXX, however the old student loans are still reporting on my account as open and showing late payments. They are reporting inaccurate information monthly. Ive written to the credit reporting agencies to have them removed, but nothing has happened yet.
Consumer complaint received 2020-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$72.00}, {$130.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$72.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$130.00} -This is not my account.
Consumer complaint received 2019-03-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

I was not told that interest would capitalize on my loans with XXXX XXXX XXXX when I was in forbearance in XXXX. I was in the process of trying to enroll in IBR and instead directed into forbearance as a better option. I recently looked at my records and there are multiple charges of interest capitalization totaling over {$65000.00} between XXXX and XXXX. At the time I was in XXXX   and thought that it was just the interest from XXXX school  capitalizing, but looking back at the account now, something is suspicious and I see at least {$65000.00} of interest that capitalized between XXXX that doesn't make sense on their paperwork and seems excessive. There is {$28000.00} of interest that capitalized in XX/XX/XXXX when my grace period from XXXX school  ended which makes no sense since the interest was already capitalized on earlier statements and I was not even in forbearance. It happened again when I was in forbearance but again, I was not told that the interest would capitalize when in forbearance, just that it would accrue. 

Also, I have made payments in the past year to completely wipe out certain loans and then the next month there was nearly {$1000.00} back on the account. When I try to resolve with the company they always have an explanation, but not one that really makes good sense. 

I just thought I had overlooked something, but now I have heard that they are making errors like this and have been looking into my account and find it almost impossible use their system to understand my loan balances and how the balances are being calculated. I feel very uncomfortable, similar to when I had a property manager who turned out to be stealing from me by using a rigged spreadsheet to calculate my revenue. 

I have a significant amount of student loan debt from XXXX  school ( {$260000.00} borrowed initially ) however over {$200000.00} in interest has accrued since I have been in XXXX. It just doesn't make sense that {$65000.00} worth of interest could accrue within the first two years and then be capitalized without me being told this would happen. If this is an error the interest that has been charged on these amount will need to be recalculated as well because I should not have to may interest on principle that was improperly capitalized interest. 

The amounts they report that I have paid in total so far also continues to fluctuate and seems to be wildly inaccurate on some of their spreadsheets and account statements. There is not good information and easily accessed information on the website. It is very difficult to make sense of how they are keeping track of the principle and interest. 

Something is wrong and I need to get it cleared up.
Consumer complaint received 2023-06-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Affirm Holdings, Inc (OH)

on XX/XX/XXXX I was attempting to purchase a shed on line the only way to pay is through Affirm. I had to get pre-approval from Affirm and did so then I was returned to the website only to find that the item is not available any longer, so no sale... next day I received several Emails from Affirm offering a credit line, credit card and also a reminder of first payment due. I called to find out if they were not made aware that there was no sale. Since then I have conferred with them on their on line chat box and on phone at least 8 times not being able to contact anyone looking into the matter. I have been told there is no other phone or E mail to contact the safety or investigation div. I must wait for them to contact me by E mail with their Findings in 30 days from XX/XX/XXXX? which is the day that they say was their first contact with me.
Consumer complaint received 2023-06-12
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: EQUIFAX, INC. (MI)

This debt was included in a cXXXX XXXX  that was field on XX/XX/23. The creditor did NOT show to the meeting or the creditors and was notified of the filing by the XXXX XXXXXXXX XXXX  XXXX of Michigan. The debt was discharged on XX/XX/23 and the creditor was notified by the court and I also emailed proof that the debt was discharged. However, the creditor then reported that this debt is over a 120 days past due when it was was discharged in XXXX XXXX XXXXXXXX  which is illegal. I am asking that this be removed due to legally they CAN NOT collect on this debt. I am trying to rebuild my credit and this caused my score to drop XXXX points when legally they should not have been allowed to report this debt because they can not college on the debt. This was discharged in XXXX legally I dont owe then a dime. It is not past due because it was discharged. I have also called and emailed this company several times and received no response.
Consumer complaint received 2021-02-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CO)

I have a mortgage with XXXX services by Loancare. I had never missed any payments in all the previous mortgage history. However, last fall, I was having financial difficulties due to COVID issues. I applied for a forbearance and was granted one. At the time, the woman I spoke with stated that the forbearance would add a couple of months to the length of the loan and would result in a little extra interest, which was expected. She said there would be no late fees or application costs or anything else to apply for or receive the forbearance. I did not make my XXXX or XXXX payments in 2020. I was able to resume payments for XXXX and am still current as of now. 
In looking to refinance with the low rates, I pulled a Payoff statement which was {$320000.00}. I checked the Loancare site and my Principle balance is sitting at {$320000.00}. Looking at payment history without the unexplained additions, that should be correct. I called today to ask why there was an almost 6k difference and she pointed my to my payment history. On or about XXXX, there were charges added to my loan balance of XXXX and XXXX. She stated that that would represent the 2 missed payments. These two increases to my account increased my total loan amount. I asked why the loan amount increased and she stated that that was because those missed payments had been added to the loan. I do not believe that the 2 payments should be added as an amount. They should more properly as explained to me have not been deducted and my principle balance simply left alone to accrue interest during that time. I feel that this is double dipping and is wrong, but especially egregious considering the circumstances. The length of the loan increased to account for those, but the addition and increase of the loan amount itself is a concern and remains unexplained after a 45 minute phone call. She then said that it does not show up on the principle balance as it had been added as a secondary loan amount. I did not agree to this and feel that there is a fraud committed. Also, the 2 amounts added to my loan ( XXXX and XXXX ) total XXXX. My monthly payment is XXXX. The 2 missed payments totaled XXXX. So, even if they added the total amount of the 2 payments, then it is still still an additional XXXX that was charged that was not explained. I attempted to get an explanation and did not receive one, so i am reaching out to see if i can get some help explaining this.
Consumer complaint received 2023-06-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

On XX/XX/2023, I sent a letter regarding inaccurate and unknown things on my credit report. Over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days now so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information by the Equifax data breach may have got into the hands of the wrong person.
Consumer complaint received 2018-11-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My mother-in-law sent money from her account with XXXX through XXXX to my account with Bank of America that was never received. I used the phone number XXXX that was linked to my XXXX account and my Bank of America account. I received a message and a confirmation number to find the funds. The bank kept stalling telling us to wait. My mother-in-law filed a claim with her bank to retrieve the money. They gave her the transaction number and the name of the person 's account it went into. We took the information to the bank and they told us that they can't go into someone's account and get the money back even though we have proof of thwhere the money was suppose to go, transaction number, and confirmation number. It was a mistake made by the bank and we are not getting any help to get the money back. They keep referring me to her, telling her bank to file a complaint and we've already done that. The amount lost was {$410.00}.
Consumer complaint received 2019-03-09
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: Dwight Financial, Inc. (CA)

My personal XXXX credit report score decreased by more than 50 points as a result of improper reporting of a debt more than 7 years old per FCRA regulations. 

I contacted Dwight Financial Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, A XXXX ( XXXX ) XXXX and they would not correct. Also, I contacted the XXXX  credit agency on XX/XX/2019 and was told my dispute was already processed and since Dwight financial will not update their records the item will remain on my credit report. 

I believe this reporting violates the FCRA 7 year rule.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-06-12
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: EQUIFAX, INC. (NY)

In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.