davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 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 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 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 XXXX XXXX
Consumer complaint received 2018-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CO)

I have been a victim of identity theft for several years. Around XX/XX/XXXX, Department of Revenue sent me a bill of {$700.00}, which is supposedly a loan debt, which I did not recognize. In contacted IRS, filled out dispute form, and they fixed issue and told me I no longer owed that amount. I received a loan debt of {$700.00} from XXXX XXXX, XXXX on XX/XX/XXXX, under an account opened in my name. This creditor states that this account was opened XX/XX/XXXX and the original creditor is XXXX XXXX XXXX XXXX. I filed a police report and sent a letter of dispute. Then the debt collector notified me by mail, XX/XX/XXXX, stating that they have ceased collection activities and have closed my account back to the current creditor ( XXXX XXXX ). Then on XX/XX/XXXX, this debt collector sends me another letter stating that I owe {$700.00}, because there is insufficient information to support my claim that this is a fraudulent account. I went through the steps with Federal Trade Commission, set up an account, and filed another police report. On XX/XX/XXXX, I receive another letter from this debt collector saying that I can resolve this account for significantly less than the balance of {$700.00}. They gave me the options of making one payment of 40 % of the balance, making 6 payments of 50 % of the balance, or 18 payments of 60 % of the balance. I refuse to make any payments on an account I didn't even open.
Consumer complaint received 2018-09-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants' Credit Guide Company (IL)

I called and the information provided was that I was being charged for {$110.00} as a " Charity Write Off '' for a medical procedure from XXXX years ago. I was also told this was due to no insurance and I was fully insured during this period. The total bill was for {$500.00}. What medical bill is for {$500.00} and why would I only owe {$110.00} if I didn't have insurance? 

This is negatively impacting my credit and isn't fair. I pay my bills and the collection agency makes you feel like you need a shower after dealing with them. I shouldn't have to pay this extortion, but for {$110.00} to make it go away is tempting. Please let me know if you can help. 

I did not take the time to pull all of my old insurance info and medical history, but I am sure I can provide documents if necessary to prove that I had insurance and paid my copay at all visits.
Consumer complaint received 2018-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Credit Karma (NV)

I have tried to get my credit report from all of the credit reporting agencies. None will accept the information I am giving. I did contact XXXX, who said they had me as deceased, this was supposed to hve been corrected 2 months ago. Yet I still can not log in and get my free credit report on line, it said to call for my free credit report, I did and after answering the questions they sent me an e-mail asking for a credit card? why if its free?
Consumer complaint received 2018-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (WA)

I had just finished my XXXX XXXX Degree and decided to consolidate my student loans so that I could qualify for the Public Service deferrment. I completed all of the paperwork and was given a letter from Nelnet stating the terms. The terms were not what I was expecting so I called them within the 10 day window prior to consolidation and spoke with a cheerful representative. I told her that I had signed up for the REPAYE program and was initially given a much lower dollar amount and she confirmed all of this. Told me what the payment amount should be ( which is what I was expecting ) and when my first payment was due. When the first payment date was a week away ( according to the info provided to me by the rep ) I called because I had not received any information on where to send my payment. I finally connected with a supervisor who told me that since I had a parent plus loan I did not qualify for the plan that I had requested and that I was given bad information from the initial rep and that there was nothing they could do to help me as they had already consolidated the loans. Now I am looking at really struggling as these new payments are on the worst income contingent plan without a cap at an amount that I will not be able to comfortably make.
Consumer complaint received 2018-06-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I was contacted on XX/XX/XXXX concerning a debt from XXXX XXXX XXXX , XXXX from Portfolio Recovery Assoc. LLC. XXXX XXXX XXXX, XXXX, XXXX XXXX. Phone XXXX I contacted them today to get more information on this debt. They state the debt was originally for a credit card obtained in XX/XX/XXXX with a balance of {$2000.00}. They stated they have spoken with me on several occasions and was told not to contact me again. They have ignored that and called me again on XX/XX/XXXX. When I spoke to someone at that time and also again today I requested an original contract with my signature on it. I also requested their surety bond number for the state of XXXX that proves they can collect a debt. I told them the statue of limitations is 4 years in the state of XXXX. I am being harassed for a debt from XX/XX/XXXX with no proof that it's mine. I was told that they will open a dispute for me and I answered I will dispute as well. I was told this will be reported on my credit file, why? This debt is from XX/XX/XXXX and no proof has been provided that it's my debt. They are violating the fair credit reporting act as well as my rights.
Consumer complaint received 2018-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Someone opened up ac account with XXXX in my name. This was fraud/ID theft. I saw a hard inquire pulled in my name in XX/XX/XXXX. I called XXXX immediately and told them to cancel the account, this was fraud. They replied that they would handle it and I put the issue to bed. In XX/XX/XXXX, XXXX reported to Transunion that I had an account past due of {$2200.00}. I contacted XXXX and Transunion. After many hours and repeating my issue, they took off the derogatory mark of the amount due of {$2200.00}, but the hard inquire is still on my report!
Consumer complaint received 2018-09-19
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. (TN)

In XX/XX/2018, I checked my credit using the XXXX XXXX App. I noticed that my score with Transunion had plunged more than 50 points,  while the other bureaus did not. After looking into why, I discovered that Transunion was reporting that I was more than 30 days late on a loan payment from XX/XX/2018. I have never been late in payments with the creditor they were reporting the payment was late on. I contacted the creditor and was told they do not show any late payments on my account, and that they do not even report to Transunion, but to XXXX when a payment is late. I then opened a dispute with Transunion to investigate and contact the creditor. After two weeks the investigation was complete and the damage to my score was reversed after finding the payment was not late. The next month, XX/XX/2018, once again my credit has dropped more than 50 points and is showing the same incorrect late payment as last month. I also have a co-borrow on this loan and this problem is also damaging their credit. I have contacted the creditor to give them information regarding the repeated hit to my credit. Once again I was told I do not have any late payments showing, but to dispute it once again through Transunion to remedy the problem. I am concerned how Transunion can report incorrect information from a creditor that does not report directly to them. If my credit reports are side by side from all bureaus, Transunion is the one that reports my payment history incorrectly. They are also showing the creditor 's name incorrectly. The creditor was bought out 11 years ago. The creditor information does not even match-the XXXX XXXX , telephone number, etc.How can this bureau constantly report incorrect information that they are not even privy to?
Consumer complaint received 2018-09-20
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PHH Mortgage Services Corporation (FL)

We closed on our home XX/XX/XXXX with a perfect payment history even with my husband losing his ability to work due to his health. Then in XXXX of XXXX came Hurricane Irma which caused a financial hardship and a trickle down effect. We live in a very strict HOA and had to take care of trees and shrubs immediately. This along with the care of my husband took a huge toll on us, he did not have medical Insurance until XXXX of this year so everything was coming out of our pocket. When things calmed down from the hurricane we called our mortgage company PHH MORTGAGE and ask for help, they offered us three options one being A FORBEARANCE, A REFINANCE, OR A LOAN MODIFICATION. We ask PHH MORTGAGE to put everything behind on the back of the loan which the said they would do. We received a new coupon book with a lower payment that was to include PITI our payment was to start XX/XX/XXXX in the amount {$980.00} for XXXX, XXXX & XXXX then we had a 30 day grace for XXXX with a new modification and new payment of {$920.00} everything included. No mention of any shortage during the whole process of modification. PHH MORTGAGE contacted us after the closing documents were signed and said they now needed more money for escrow and taxes. A REAL ESTATE ADVISOR highly recommended that we investigate our mortgage due to the thousands of illegal loans and modifications done by PHH MORTGAGE where they did not follow Service Rules and they are still under indictment.
Consumer complaint received 2018-04-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE (CA)

On XX/XX/XXXX I contacted Barclayscard to discuss my account ending in XXXX. 
I was advise by agent Barclays offered a payback plan of XXXX per month to save my credit and to attempt to pay back what was owed. However I would need to pay the past due balance in XXXX payments of XXXX in XXXX and XXXX to bring current. They would wave the late fees and I could change my due date and set up auto payments. 

I made XXXX payments in XX/XX/XXXX for XXXX dollars and new for XXXX dollars. 
i also made the payment XXXX dollar payment in XXXX and started to make the auto XXXX dollar payments When I checked in XXXX my balance in only XXXX dollars less than i started over 4 months ago and they are charging illegal late fees and refusing to change my due date unless i come up with hundreds of dollars more. 

They made a commitment and an agreement with me to pay back certain debt. now they are attempting to revolve on the agreement and charge me additional monies or report me to credit bureau
Consumer complaint received 2018-03-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BMO Bank, N.A. (WI)

Around summer of last year ( 2017 ), me and my spouse had gone to BMO Harris to open a joint checking account in which we would pool together our funds for living expenses. Despite having known that we were both still XXXX XXXX at the time, the banker had opened a heavily fee-associated joint account for the both of us. Being XXXX, our account was not always well-funded, even though we had pooled all of our expenses together and used the account for rent and other heavy expenses. We soon found out that the {$35.00} NSF fee that had been continuously charged to us despite us not engaging in overdraft activities were piling up, and too much to bear.

One specific incident where the fee was charged and the transaction returned, however, has caused significant damage to my then-good credit score. Last XX/XX/XXXX, I had made a credit card payment of {$25.00} to XXXX XXXX XXXX, which was a very routine situation as I make 100 % of all my payments on time. The payment had even shown up on my XXXX XXXX   transactions the next day. However, two days later, the transaction had been reversed by BMO Harris because my account was in NSF standing, even though I had intended to make a payment immediately. Instead of giving a 24 hour grace period like most banks, however, BMO Harris had reversed my last transaction. This in turn resulted in a missed payment with my XXXX XXXX credit card, an additional fee of {$35.00} f

rom BMO Harris, and a significantly dropped credit score. When I decided that the banking relationship with BMO Harris that I
had was too harsh for my situation as a XXXX, I had gone to a branch office physically to close my account, as XXXX XXXX had offered better financial buffers for XXXX XXXX. At that time, in an effort towards retention, the banker had told me that they could switch me to a XXXX account instead, though our accounts should have reflected our XXXX status from the start.
Consumer complaint received 2018-04-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (OR)

I have sent 3 certified letters to XXXX  XXXX  and XXXX  asking them to verify accounts per section 609 of the frca. They have never provided verification what do ever of accounts. There reply everytime is account verified per frca. Per section 609 these accounts must be deleated if they can not verify with original document i signed these accounts are account # XXXX. Next account # is XXXX ' next account XXXX.i also have a non medical account that they havnt verified its account number is XXXX
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (KS)

On XX/XX/2024 I received an email from XXXX XXXX XXXX XXXX assignee of XXXX. The email advised me to call or write them by XX/XX/2024 to dispute all or part of the debt. I sent a validation letter through the mail on XX/XX/2024. On XX/XX/2024 I received a notification from all three credit Bureaus that a collection account from XXXX XXXX XXXX XXXX was placed on my credit report. They have not replied with any correspondence and validation proving I owe this debt. 
This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of inaccurate/invalidated credit information. I've attached below a copy of the correspondence I sent to the collector.
Consumer complaint received 2018-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I opened a XXXX XXXX Card back in XX/XX/XXXX, I requested that the card be closed due to the interest being so high and to send me a final bill. I received a final bill in XX/XX/XXXX for {$900.00} I phone XXXX XXXX and spoke to XXXX  to let her know there was a discrepancy in the amount owed. In XX/XX/XXXX I made a pmt of {$75.00} money order XXXX  on XX/XX/XXXX a payment of {$75.00} was made conf # XXXX  it was then determined the correct balance owed was {$570.00} and I received a revised bill with the correct amount. On XX/XX/XXXXa payment of {$400.00} was made conf # XXXX on XX/XX/XXXX a final payment of {$170.00} was made conf # XXXX that would be the final payment. InXX/XX/XXXX I received a collection letter from XXXX XXXX XXXX for this account collecting {$900.00} I phoned them immediately to get this all corrected. I spoke to a XXXX  and he said he would verify the account and if it was an error he would have XXXX XXXX correct the account and fix my credit report. Late XX/XX/XXXX I received a letter from the collection agency and XXXX XXXX showing there was a XXXX balance and that my credit report would be corrected. As of today my credit report still has not been corrected and is still showing all these late payments and shows as a charge off. I am asking that the lates be removed and it reflects as a paid account and close at customer request.
Consumer complaint received 2024-08-24
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. (MI)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumers rights to Privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-09-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (CA)

I was called on XX/XX/18 from a company going by the name " XXXX XXXX XXXX '' about an alleged overdraft amount of {$320.00} sent to them for collections from an old Wells Fargo account I had almost 10 years ago. They told me after fees the amount went up to {$580.00}. They followed that up with an offer to take off {$180.00} if I paid the remaining {$400.00} today. If I didn't then there would be legal action against me. It all began with someone calling me telling me important documents were waiting for me and they were quick and got me very nervous. It felt very sketchy. They rushed off after telling me to call XXXX regarding file # XXXX. I spoke with an " XXXX '' at that company and she told me that I had to pay. Her number is XXXX. Because it felt so odd I went to Wells Fargo to talk to them about this. The personal banker I spoke with spoke to someone and they told me that it looked like a scam. They said that they had no records of debt or anything sent to collections or any other 3rd party. Wells Fargo confirmed that I owe them no money.
Consumer complaint received 2018-09-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: M&T BANK CORPORATION (NY)

M & T Bank offered me a consolidation credit card loan for my XXXX XXXX credit cards. However, M & T Bank sent one of the checks to an incorrect address and after several weeks, M & T Bank is continuing to refuse to provide me with total loan. M & T Bank has forced me to have to pay the debt from my personal bank account as I do not have access to the this portion of the loan M & T sent to the wrong address. Also, M & T Bank lured me into the XXXX, NY branch under false pretenses to sign a letter taking responsibility for M & T Bank 's error of mailing a check to the wrong address and is refusing to provide me with the money even after several weeks. I visited the XXXX, NY branch on multiple occasions ; contacted the M & T Bank customer service ; contacted M & T Bank corporate office ; and M & T Bank is refusing to refund me the money from the loan that M & T Bank lost.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (MN)

I was incarcerated at the Minnesota Department of XXXX from XX/XX/XXXX to XX/XX/XXXX. I was recently released from prison on XX/XX/XXXX. I was incarcerated for 21 years. Theres recent derogatory items, delinquencies, credit inquiries, bank accounts, addresses, cell phone numbers and email accounts listed on my XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX thats fraudulent derogatory items, delinquencies, inquiries, bank accounts, addresses, cell phone numbers and email accounts from the result of identity theft. I was in prison for 21 years and was just released on XX/XX/XXXX, so all of the information on my consumer and credit reports is fraudulent and is the result of identity theft. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX