davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Convergent Resources, Inc. (TN)

I have been a victim of Identity theft since 2004, this has caused so many problems in my life. My purse was stolen and my identity has been used in so many ways. Many accounts have been open in my name still to this day and I have been contacting companies and disputing with the companies and the credit bureau for over 10 years.Once I contact the company and provide documentation they would remove the debt, later down the line maybe six months later the debt will appear again. I have become very frustrated with these companies because I have put fraud alerts on my credit report and still have 18 to 20 inquiries on my credit report. PLEASE HELP ME!!!
Consumer complaint received 2016-12-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

CFPB Complaint XXXX/XXXX/2016 Credit reporting and investigation issues. 
This complaint is a direct result of the statements provided by XXXX XXXX with CFPB Case No : XXXX. The statements provided are of such low quality they are difficult, if not impossible to read ; therefore I am attaching their original response. 
I attempted to send the statements to TransUnion via fax but was informed by a TransUnion representative the statements provided by XXXX XXXX are not legible when printed or fax. 
I am attaching the statements and the letter, that were uploaded by XXXX XXXX to the CFPB complaint dated XXXX XXXX, 2016 signed by XXXX XXXX, stating the account is reporting correctly with the CRA 's with a balance of {$2500.00}. 
My current credit report of XXXX/XXXX/16 shows a high balance of {$1900.00} and/or the credit limit of {$1500.00}. This is incorrect. 

I have attached my current credit report, showing XXXX XXXX reporting inaccurate, along with the CFPB XXXX response from XXXX XXXX. 

Thank you for time and assistance in this matter.
Consumer complaint received 2016-12-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I had a tax lien through WA state and its been paid off for over 2 years. Numerous times I have asked for it to be removed from my credit report both with XXXX and transunion and both stated I needed to ask WA state to do it. I called the state court again today and they said the credit agency needs to do it. No one is helping me and this is affecting my credit big time
Consumer complaint received 2016-12-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am disputing account number XXXX with XXXX XXXX XXXX for an amount of {$290.00} because I have sent several dispute letters to the credit bureaus and it comes back verified every single time. I have contacted XXXX XXXX XXXX to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.
Consumer complaint received 2016-12-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Years ago I lost my purse that contained a lot of pertinent sensitive information. I have XXXX hard unauthorized credit inquiries from XXXX ( in 1 year! ) and an unauthorized hard credit inquiry from XXXX XXXX XXXX on my TransUnion credit report. I have been in contact with TransUnion informing them that these were unauthorized credit inquiries and that I wanted them deleted from my account. Transunion stated for me to reach out to the Creditors and request a deletion letter. The creditors informed me that they do n't do deletion letters and do n't even have a way to process them anymore that the credit bureau would have to call them. I have been back and forth between the credit bureau and the creditors but to no avail they keep pointing blame at each other. As I have been consistently checking on this I noticed that in XX/XX/2016 on my TransUnion credit report these items had been deleted but reinserted later on without giving any notification. I spoke with the TransUnion supervisor informing them of this and they stated that it was a glitch but informed me that I still would have to speak to the creditors to get a letter of deletion before hanging up on me. I would like for this to be permanently removed from my credit report due to reinserting it back on my account and being an unauthorized inquiries.
Consumer complaint received 2016-12-01
Product: Credit card — 
Issue: Payoff process — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

Gentlemen : I have a Union Bank Visa credit card and had been making automatic payments of {$100.00} per month for several years. My current balance is {$2500.00}. 

Recently there has been some management reorganization and restructuring and now they will only allow XXXX options. Either pay off the full balance or make only their minimum required payment of about $ 55/ month. I wanted to pay {$150.00} per month and get out from under this debt as quickly as possible. 
" No way '' according to them!!! 

This unethical practice effectively extorts maximum interest dollars from all of the bank 's credit card holders.. I have other credit cards and every one of them allows me to select my monthly automatic payments. 

I have called the bank many times and talked with many bank supervisors and they all say that these XXXX options are the only ones allowed. I just got off the phone with their Customer Advocate and was told that they are not breaking any regulations and their XXXX options still stand. It still smacks of greed and extortion to me. 
I would appreciate some help for both myself and all the thousands of other XXXX Bank Visa card holders. 

What they are doing is definitely unethical and constitutes the highest level of greed. 
This practice needs to be stopped immediately. Please help.
Consumer complaint received 2016-12-01
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Routhmeir Sterling Inc. (OR)

I have recieved a letter from First nations Collection bureau inc. In this letter they claim that XXXX is the creditor as well as Routhmeir Sterling inc Asset Management. This is FALSE. XXXX was sold XX/XX/XXXX to XXXX XXXX inc which continued to run it as wholly owned subsidiary. Class action suits began XX/XX/XXXX, They settled with the governmental agencies and this constituted the largest settlement ever against a credit card company for widespread unlawful business practices. I received a check as part of this settlement. XX/XX/XXXX, XXXX XXXX was seized by the federal government and then sold to XXXX XXXX. I have spoken with a XXXX executive named XXXX XXXX XXXX ext. XXXX. She assured me that XXXX does not collect on accounts that are as old as this. So, with that said, XXXX XXXX XXXX XXXX and Routhmeir Sterling are committing several crimes in trying to collect this debt. Fraud, violation 's of both Federal and state law 's. They obviously have no right to try and collect any debt from me as neither company posses a state license to operate as collection agency in my state. XXXX bought up the bank that bought XXXX. They do not have XXXX 's permission to try and collect this debt, I have spoken with a XXXX executive They list XXXX as the creditor and that company no longer exist 's. This is fraud as far as I am concerned. If either of these collection agency tries to put this on my credit reports then I have no other recourse but to bring legal action. for violation of the Fair Credit Reporting Act, violations of the Fair Credit Reporting Act, various state law 's and Defamation of character. They even sent coupons for me to make payments with, how nice of them. This company obviously PREY 'S upon people that do not know the law. They are continuing to try and collect a debt that I do not owe or is not mine. 
I am pondering the avenue of legal action against these companies at present.
Consumer complaint received 2016-12-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

To whom it may concern ; I am writing you to dispute multiple items that are still reporting on my credit report. Some of which are accounts/collections and others are inquiries. Please understand that I first became aware that I was a victim of identity theft approximately one year ago. Since then, as you will see, I have filed multiple complaints ' with the CFPB to both the creditor 's I am disputing along with all three credit reporting entities ; XXXX, XXXX and now Experian. 

At this juncture, I would like to dispute the following information as unauthorized and fraudulent on my behalf ; XXXX - XXXX XXXX COLLECTION ), Acct # XXXX, amount : {$3500.00} as of XX/XX/2016 XXXX - Rental Property Solution ( INQUIRY ) - XX/XX/2016 & XX/XX/2016 XXXX - Previous address ( XXXX ) to which I have never lived : XXXX, XXXX, WA XXXX XXXX, XXXX, CA XXXX With regards to XXXX, I have been a customer of theirs for almost 9 years now and am still currently a customer. I do n't understand how it 's even possible for me to have a collection with a company all the while maintaining a current account. I have disputed this numerous times without any luck whatsoever. In fact, they have always been insanely rude to me and never seem to care about helping me to rectify this issue. I have always been and will continue to be more than willing to do whatever is deemed necessary in order to help expedite this from being removed from my file. 

Lastly, my husband and I have been in corporate housing with his employer since XX/XX/2016. I say this because there is absolutely no reason that I would be inquiring as to any type of apartment housing options. If you notice, that both of the inquiries to which I am disputing are via the same third party company that apparently someone has inquired on my behalf on different residences on opposite coasts. I have called this company several time ( XXXX ) in fact to no avail. They said it is their company policy to never remove inquiries unless I can prove it was a fraudulent inquiry to begin with. Of course, I have never been told how exactly one might be able to do that. Please dispute the aforementioned items as fraudulent on my behalf. I am requesting this as myself and in no way shape or form have been nor will be represented by a third party company. Please feel free to contact me anytime at XXXX. 

Regards, XXXX *********** Credit file # : XXXX
Consumer complaint received 2016-12-01
Product: Credit card — 
Issue: Balance transfer — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

This is a credit card fraud case beginning in XXXX 2016! I orignally reported the fraud charges to usaa in XXXX 2016! Total fraud charges of over {$3000.00} were added to my credit card balance due, of which {$26.00} were charges belonging to me! Most fraud charges have been credited to my balance due except {$670.00} which were transferred to my balance due payment for XXXX 2016. After reporting fraud charges I have repeat- edly talked to customer service, fraud dept. attempting to reach a conclusion and a " XXXX '' balance! A letter, e mails were sent asking for verification ( transactions ) of balance due! 
At this time usaa has not responded and the calls to c/s has been promises and no results!
Consumer complaint received 2017-07-15
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. (MI)

On  XX/XX/XXXX  a medical service was provided at   XXXX   XXXX   XXXX   which entailed a {$100.00} copay.
<P/>
 XX/XX/XXXX  After receipt of the bill for this charge, I requested a financial aid application packet sent to me. This was completed by me and returned within the 30 day time frame allowed by the provider. They would reply tome in about 30 days after receipt of the packet.
<P/> XX/XX/XXXX  I was unsuccessful in my attempted to contact the provider by phone.
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On  XX/XX/XXXX  placed in collections by   XXXX   XXXX   XXXX   and not noticed by me until  XX/XX/XXXX .
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On  XX/XX/XXXX  at   XXXX   XXXX   I spoke with  XXXX  at  XXXX  who indicated since the blll had not been paid in full after three statements, the bill was sent to collections. A request as to the status of my financial aid packet indicated the paperwork was not processed at that time. Another packet was sent to me to complete. She would pull the bill from collections until receipt of the new and current data was received. This included the   XXXX   XXXX    income just received that may have impacted the income level requirements.
<P/>
On XX/XX/XXXX  another call t o   XXXX   re vealed bo th  XXXX  a nd  XXXX  were both working on " this ''.
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On  XX/XX/XXXX  The medical bill was closed for collection as paid in full. I would presume that was as a result of the recent phone call initiated by me. I was approved for the financial aid and the {$100.00} bill was written off. Please note I was timely in my request for assistance in this matter and did everything I could to handle this matter timely.
<P/>
On  XX/XX/XXXX  I received a free TransUnion credit report. Upon my review and much to my surprise is XX/XX/XXXX placed for collection from  XX/XX/XXXX  for {$89.00}.
<P/>
I understood that  XX/XX/XXXX  had pulled this medical bill until the financial aid packet I completed timely and returned had gone through their internal review process. I had no idea of the errors made by them which included losing my original mailed financial aid packet and pulling the promised report when requested.
Consumer complaint received 2016-12-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Windham Professionals, Inc. (CA)

My loan started at about {$35000.00}. I consolidated the loan to lower my monthly payment. Then, I could not make my monthly payment. My business failed.So I had to file for Chapter XXXX re-organization and I did pay every one back. I wanted to paid the student back but the late fee 's and Late Interest Fee 's ballooned to {$40000.00}, {$50000.00}, {$60000.00} ... ... .. to now {$140000.00}. 
Plus according to XXXX XXXX they are adding about {$4000.00} each month until I am out of default. I think it is unreasonable for me to pay {$3000.00} per month on a {$35000.00} loan. 
Even if I paid {$500.00} per month back. I would never be able to pay this loan back. If I paid {$4000.00} a month back it would take me over 27.5 years to pay it off. I am XXXX XXXX XXXX today. So I could complete my outstanding debt at age XXXX at {$4000.00} per month. Please help reduce these Fee, s, Fines, High Interest Rates. 
I am willing to paid back what I owl but without over {$100000.00} in penalities. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2016-12-01
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CAVALRY INVESTMENTS, LLC (TN)

I have a collection account on my credit who was supposed to be included in my bankruptcy and XXXX. I want this issue to be resolved in the time manner and reported to all credit agency. Also not expecting anymore calls from collection agency.
Consumer complaint received 2016-12-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (AL)

Experian is refusing to block information on my credit report that has been asserted to have resulted from potential identity theft. I have filed a police report and thus complied with the provisions of section 605B and have asked for a block of the information. These accounts contain information regarding transactions I never made and thus state an inaccurate balance. I am submitting a copy of my police report, my FTC affadavit, and my identity for proof.
Consumer complaint received 2016-12-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

I had a tax lien through WA state and its been paid off for over 2 years. Numerous times I have asked for it to be removed from my credit report both with XXXX and equifax and both stated I needed to ask WA state to do it. I called the state court again today and they said the credit agency needs to do it. No one is helping me and this is affecting my credit big time
Consumer complaint received 2016-12-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (MA)

PennyMac Loan Servicing is filing foreclosure NOTICE of order etc with county registry of deeds during Hamp Streamline Loan Modification TPP. They have cashed 2nd check and yet are moving forward illegally on fabricated documents to foreclose dual tracking non compliance fed & state laws. they must be stopped from this illegal action to illegally take my house, while I am trusting the documents they are sending indicating I have qualified for STREAMLINE HAMP no doc, just send payments and they will provide Hamp Affidavit and 2 copies of loan mod for notary signature. they indicate 3 % fixed etc. IT IS OUTRAGEOUS THAT THEY ARE PROCEEDING WITH PHONEY DOCUMENTS WITH A FORECLOSURE BEHIND MY BACK. IT WAS DISCOVERED BY A FRIEND THAT THE DOCUMENT WAS FILED IN REGISTRY OF DEEDS XX/XX/XXXX THEY MUST BE STOPPED AND FORCED TO ANSWER AND COMPLY I HAVE WRITTEN REPEATEDLY TO PENNYMAC CEO XXXX TO COMPLY WITH LAWS.
Consumer complaint received 2016-12-01
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo is allowing fraudulent activities and theft in the amount {$3700.00} in unauthorized checks in which I was not present over the course of XXXX months. I suspected fraud activity related to my account in early XX/XX/2016 and went in to a branch on located at XXXX, XXXX NC. At that time, I put a verbal pass code on my account and specifically indicated is authorized to make withdrawals from the account. XXXX on XX/XX/2016, an unauthorized withdrawal was made in the amount of {$2000.00}. At that time, I was informed that this money would be refunded back to me if I was not physically present to obtain the money. Since that time, there has been XXXX more unauthorized transaction made on XX/XX/2016 * {$1000.00} XXXX and XX/XX/2016 ( {$750.00} XXXX. Today I was informed that my claim for the {$2000.00} was denied because the signatures matched. This is ridiculous and fraudulent as I was not physically present to authorize these withdrawals. The XXXX is allowing this fraudulent activity and failing to verify identification and my verbal password for the account. My business has suffered as a result and my account balances are falling low due to the NSF fees of more than {$200.00} and these transactions. I am requesting that this branch pull the video and refund me my money and NSF fees for allowing these unauthorized transactions to occur this is ridiculous. Please be advised that I will file a suit for damages if these funds are not placed back in my business account. Additionally, I all NSF fees refunded since XX/XX/2016. On XX/XX/2016, Wells Fargo XXXX my account due to NSF fees and I have not been able to use this card since that time ; therefore, it is impossible to have withdrawals for this account without providing identification and my verbal pass code. 
This is my final demand before I proceed with a adversarial approach and file a suit in court.
Consumer complaint received 2017-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (VA)

I have a  Mastercard Account issued by Comenity Bank. This Comenity Bank Mastercard  is co-branded with  Gander Mountain and routinely advertises promotional financing for purchases at Gander Mountain stores. Recently Gander Mountain and Comenity have been advertising a promotion where purchases over {$990.00} would have deferred interest for 12 months, and be interest free if paid in full before the 12 month period expired. This promotional financing rate was prominently advertised by Comenity Bank on my Comenity Bank statements, as well as online and in-store by Gander Mountain I made a major purchase at Gander Mountain on    XXXX / XXXX /  XXXX   for {$1800.00}. I made written contact with Comenity Bank on  XXXX / XXXX /  XXXX   after receiving a statement where the promotional financing rate was not applied to this purchase.  Comenity replied that there were investigating the dispute and would not charge me interest in the meantime. I contact Comenity ag ain on  XXXX / XXXX /  XXXX   and received the same response - they were investigating.   As of  XXXX / XXXX /  XXXX   I still have not received any response on the status   of Comenity 's " investigation, '' however, Comenity has assessed me a finance charge of {$29.00} even though my outstanding balance consists solely of items purchased at this promotional financing rate.
I have had this same issue with Comenity with three prior purchases - where I made a purchase under a qualifying promotional purchase plan, but Comenity   still assessed interest. I have received excuses that this was a " mistake by the clerk who entered the purchase, '' or a " billing irregularity. '' Given the frequency this is happening and Comenity Bank 's slow response, I am concerned this may represent a purposefully deceptive business practice where they entice purchasers with advertised promotional financing rates they do not intend to honor. As I have been unable to resolve this issue with Comenity Bank themselves, I am hoping CFPB can assist.