davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-17
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC (FL)

XXXXrequest to Security Credit Services LLC to verify the debt at address XXXX XXXX XXXX XXXX, XXXX MS XXXX *Letter returned to sender as refused//unable to forward XXXX2nd attempt letter to validate the debt Security Credit Services LLC at address XXXX XXXX XXXX XXXX, XXXX MS XXXX XXXX XX/XX/2018 @ XXXX no response received from the company I sent letter to Security Credit Services LLC requesting them to validate the debt . My attempts have been returned or no response from the company. The amount showing on my credit report is $ XXXX.I reach out to all credit bureaus to see what method did they use to verified the debt since I received no response. I only received a letter back stating that it was accurate and verified again.This have been almost a year and no communication from the company.
Consumer complaint received 2018-10-16
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. (NC)

Cfpb I am making a complaint about XXXX XXXX and they also have another name XXXX   XXXX XXXX they are charging double interest which doesnt add up and is not agreed this is why I sent a dispute for inaccuracies it's not right under the fcra and violation of the statue of limitations. I will show proof as I upload documents. This must be removed due to fradulent increase of same amount and reporting inaccuracies of information. I also ask for proof of any promissory note and all original documents with my signature I have not recieved or gotten any proof of it.. I heard they have gotten Sued before because of this.. I am very unhappy about this situation and will do my best to proceed with litigation if theres no removal from this company I am ready bring it on I have all my documents to show in court if we have to take it that far my first step is to report to cfpb first before making any decision for litigation. 
Thanks cfpb
Consumer complaint received 2018-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

There are several accounts reporting on my credit file that isnt associated with my personal information such as social security. I have filed three disputes on these unauthorized accounts that are reporting. The reporting debtors refuse to remove these items off my credit file. I have sent legal letters to these entities asking for deletion. Below listed are the reporting agencies that are reporting negatively. 
XXXX XXXX XXXX Repossessed no balance due! Account never fulfilled XXXX XXXX- Never Opened ( fraud ) XXXX XXXX- never opened or debt owed XXXX XXXX-fraudulent Account XXXX XXXX- Social Not matching These items wasnt authorized by myself and wasnt opened with my consent!
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries.
Consumer complaint received 2018-10-16
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. (NC)

Cfpb I am making a complaint about XXXX XXXX and they also have another name XXXX    XXXX XXXX they are charging double interest which doesnt add up and is not agreed this is why I sent a dispute for inaccuracies it's not right under the fcra and violation of the statue of limitations. I will show proof as I upload documents. This must be removed due to fradulent increase of same amount and reporting inaccuracies of information. I also ask for proof of any promissory note and all original documents with my signature I have not recieved or gotten any proof of it.. I heard they have gotten Sued before because of this.. I am very unhappy about this situation and will do my best to proceed with litigation if theres no removal from this company I am ready bring it on I have all my documents to show in court if we have to take it that far my first step is to report to cfpb first before making any decision for litigation. 
Thanks cfpb
Consumer complaint received 2018-03-19
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. (NC)

All three major credit bureaus, XXXX, XXXX, TransUnion. Have refused to erase fraudulent accounts as well as accounts 7 years prior and older on my credit report repeatedly unlawful updating, and refusal to delete after these accounts have not been verified as my accounts. Theyre refusal to identify these fraudulent accounts have brung nothing but hardship on my life after I have done everything by law to dispute these accounts. These fraudulent accounts and 7plus years accounts on my report are as followed : XXXX XXXX XXXX acct # XXXX. XXXX XXXX acct # XXXX. XXXX XXXX XXXX acct # XXXX. XXXX XXXX acct # XXXX. XXXX XXXX XXXX XXXX acct # XXXX. XXXX XXXX XXXX XXXXXXXX acct # XXXX. XXXX XXXX XXXX acct # XXXX
Consumer complaint received 2018-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been denied by over 160 rental applications. XXXX, TransUnion and XXXX are attacking me and forcing me to live in the streets and in homeless shelters. This country is using credit scores to gain acceptance into rental housing. It is demanded everywhere to have a minimum XXXX credit score in order to even apply for a rental apartment. I can not get a rental apartment and am forced to live with relative. This is an attack against a human beings right to shelter and healthy physical and mental wellbeing. I file a criminal attack against these bureaus. Why is my student loan in my credit report when it is on foreberance? I see only two issues on my credit and that is the student loan from XXXX XXXX XXXX and the XXXX XXXX bill who sold all {$15000.00} worth of property. They sold all my property and some in brand new condition and yet still charged me {$2000.00} to settle the account. What is happening to America when the constitution is being buried in the ground? This is against inalienable rights and an attack against my mental and physical wellbeing. I have over thirty years of established credit and the attack is that the credit reporting reports nothing of positive influences but only seeks issues in which to destroy citizens rights to satisfactory living and lifestyles. Something must be done. I have over thirty years of payments and working with creditors to establish credit and yet my credit is worse than when I left high school in XXXX. When I left high school in XXXX   my credit was a XXXX the minimum and I never established any credit with anyone. I am XXXX XXXX years old and my credit is worse than when I left high school and have have made hundreds of thousands of dollars in payments to creditors. So what if I fell behind or missed payments once in a while? What kind of abusive criminal attack is this against the American citizen.
Consumer complaint received 2018-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PENTAGON FEDERAL CREDIT UNION (TX)

I have submitted information and spoke to managers @ XXXX and they continue to deny or ignore my requests. They have failed to provide me with proof that XXXX XXXX XXXX is the person that authorized the inquiries.
Consumer complaint received 2018-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Neon Newco Corporation (NV)

My complaint is against XXXX/Netspend for not depositing my payroll check. My check was suppose to be deposited into my bank account last night ( XX/XX/XXXX ) and I have not received anything! XXXX has a recording stating that the issue is ACH but have no estimated time of when the issue will be fixed. I have been on hold with Netspend for over an hr and a half! No one has any answers! It is scary that someone can just take my paycheck like that. I have small children, no money, no one to get money from, my electricty is scheduled to come out today and if I dont pay it, it will go off! I work from home and i need my electricty to operate. This is beyond ridiculous and illegal. After reading multiple reviews online, people have been waiting for their deposits since last Wednesday! We have not received any notice about anything. How am I suppose to do anything without any money? NETSPEND & XXXX ARE THIEVES!!!!!!
Consumer complaint received 2018-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

To whom it may concern ; I have reviewed my credit report and the following items from your company has ran an on authorized credit inquiry on me. I never authorize such actions and this constitutes a violation of my rights under fair credit reporting act section 604, as well as a violation of my rights to privacy. Pursuant Section 604 you must furnish three pillars ; One being wet ink signature Two being contract of application Three Permissible purpose According to FCRA section 1681B subsection C this inquiry was not initiated by consumer unless all three pillars from section 604, FCRA are met.
Consumer complaint received 2018-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (LA)

I have contacted and faxed Experian, XXXX, and XXXX   on several occasions asking them to remove the extended fraud alert from my credit report, but they have not removed it. I never gave them permission to place an extended alert on my credit report. I ask that they have this fraud alert removed immediately.
Consumer complaint received 2018-10-16
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. (MS)

I submitted disputes of errors on my credit report and included notarized drivers license and proof of residency to remove fraudulent address and unverified and inaccurate information showing on my credit report, namely XXXX. The following has not been validated according to the fair credit reporting act 623 ( a ) ( 3 ).

According to the FTC opinion letter, regarding the type of validation required by section 809 ( b ) of the Fair Debt Collection Practices Act, an itemized statement of services rendered, requires the information from the Original Creditor. Meaning the name of the original credit grantor as reflected in the K1 Segment in Metro 2 and should be consistent with the Credit Reporting Resource Guide., therefore provide me with the name, address and telephone numbers of anyone from the original creditor you contacted concerning the unverified and inaccurate accounts and addresses listed below per the FCRA 611 ( a ) ( 1 ) ( A ).
Consumer complaint received 2018-10-16
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (PA)

I was contacted by a collection agency regarding a collection account for XXXX utility company, an account not opened by me but by my mother without my permission. They would not let me dispute the claim even with all of the evidence to support that I didnt not open the account. I was aware of the address used on the account because I had lived there while in high school. The account was opened while I was away for college. I told them not to contact me, as my mother agreed to be responsible for the payment. They were given her contact info and told to contact her not me. For the past two weeks, they have called me everyday at XXXX. I answered one time and the man on the phone was trying to force me to pay after explaining the situation and telling him to contact my mother and not me.
Consumer complaint received 2018-10-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (AL)

1. In XX/XX/XXXX I set up a automated monthly withdrawal of {$25.00}. In XX/XX/XXXX, I received a phone call stating that my payments were several months late. Upon calling, I was told that I or my father, a cosigner on the account had signed in online and canceled the auto-payment. Neither one of us did this. The account is my bank account and my father has no access to it. I made the payment to bring up to date and the auto-payment was then reset but not without hurting my credit.

2. In XX/XX/XXXX, Navient attempted to make a withdrawal with auto pay from account which was stopped to do insufficient funds. However, a few days later I received a phone call from my father stating that navient had withdrew {$25.00} from his account. This is absurd because the auto pay is set up in my XXXX account and navient has never had my fathers banking account information. When we called them, they stated that we had entered his account information into auto pay which is a blatant lie. We asked them to send us the IP address from the computer that was used to do so and they agreed, however we never heard back. At this point we requested for autopay to be removed. We were told it had been.

3. In XX/XX/XXXX, I had an auto pay withdrawal of XXXX from my account. When called, I was told they would refund this amount and once this was done I could call back to set up repayment plan. This was never done. I was assured again that autopay was removed.

4. In XX/XX/XXXX, another autopayment of XXXX was removed. When contacted navient I was told I authorized these payments. I was told the only was they could refund this was me to fax in to a random number with no attn. to my banking account information. I was told there was no way for them to send an IP address like I was told I would receive. I asked for a copy of the recorded phone calls for the past 6 months and also denied.

THESE PEOPLE ARE THIEFS AND LIARS!!!!

I have tried to contact an attorney suing them and will continue until I reach someone.

They originally could not help me with deferment but then gave me a plan that created a massive repayment. Crooks
Consumer complaint received 2018-10-15
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. (CA)

My FICO score dropped significantly due to unpaid debt to a XXXX  credit card. The XXXX Credit card debt was true, but I want to explain why I made the mistake. 
I opened the XXXX store card when I bought XXXX clothing valued {$28.00} on XX/XX/XXXX. After four days, I returned all theclothing to the same storeon XX/XX/XXXX. The cashier refund {$28.00} to a cash card, not to the original payment method as others do usually ( see attachment 1 ). So it give me the wrong impression that I don't owe any amount on this card. In addition, XXXX/XXXX had a wrong address on my profile. XXXX XXXX showedmy original address isXXXX XXXX XXXX XXXX, XXXX , IL XXXX ( see the attachment 2 ). Its a wrong because it has no APT number.I provided the right address with APT number when I opened the credit card. 
The consequence of a wrong address is that I have never received the XXXX credit card or monthly statements. I didn't know the unpaid debt until XX/XX/XXXX, when I received a letter from XXXX XXXX notifying me that I need to pay a debt of $ XXXX.Because I was abroad at that time, it was difficult for me to figure out what's going on. All I can do then was to payback the moneyto XXXX XXXX as soon as possible. 
I don't have any intentionto not pay off the debt, it's just {$28.00}. I am new to the country. So I am not familiar with the system, which is why I made the mistakes. However, the wrong information on the bank system also partially caused my account to go to delinquent. None of this would happen if I had received those monthly statements. Can you please recover my credit score partly since I am not the only one who should be blamed for? 
BTW, the phone number on the credit report is also wrong.The correct number is ( XXXX ) XXXX, not ( XXXX ) XXXX.
Consumer complaint received 2018-03-19
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. (NY)

Each credit bureaus are showing different Details on the accounts. There are multiple accounts showing different by each bureau and i sent in a credit report with the highlighted differences and still there was no change i had disputed this accounts multiple times and still no change what is up with you guys it fells like i have to run around every single time over and over and over and i get no ware with you guys.
Consumer complaint received 2018-10-15
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: NAVY FEDERAL CREDIT UNION (NC)

I built a home and was set to close on XX/XX/XXXX. As I was walking into the attorney 's office I received a call from XXXX stating they just ran my credit and we had an issue. It is reporting that I have a mortgage that is in charge off status. I do not now and never had a mortgage. 
XXXX was able to speak with the creditors and verify the info as being incorrect. Problem solved with XXXX. XXXX on the other hand. No so receptive. I've made multiple disputes we with XXXX. I had a Mobile home loan opened in XXXX with Navy Federal Credit union. Which is a personal consumer installment loan. I received a Title with a Vin number. I did not have a closing. I have since built another home which I am scheduled to on XX/XX/XXXX. Again when my credit file is pulled. XXXX   is still reporting it as a mortgage. Causing my to be denied. I was homeless for 2 weeks following the first accurence. I spoke with a supervisor @ Navy Federal ( Mr. XXXX XXXX XXXX XXXX ext. XXXX ) He is requesting that XXXX contacts him. XXXX is requesting Navy Federal to contact them. In the last 2 months I have contacted both @ least 15 times. Now when I call Navy Federal the counselor from the recovery that is assigned to my case refuses to help and keeps asking me " When do you plan on paying this? '' I have requested multiple times to not speak to her but keep sending it to her I need help A.S.A.P or I will be homeless once again.
Consumer complaint received 2018-10-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

XXXX XXXX did not handle my automatic payment known as Direct Debts as described. XXXX XXXX also gave me misinformation about the loan payoff. 

I signed up for a direct debt to automatically pay on the XXXX of every month, but that it never posted on that day. Instead it would post 2-14 days later. The delay in payment meant more interested would grow within those days. 

Additionally when I went to make my final payment and requested for a loan payoff amount, XXXX   XXXX gave me the wrong amount. It gave me a calculated pay off at {$990.00}, but as per a costumer service representative, it was {$1.00} under the " actual amount ''. The website has a loan payoff calculator in which you provide a date and they calculate the payoff for that date. Whenever you use it, it is wrong. When I spoke to the customer service representative about this, she said me that this happens frequently and people end up having a balance even though it shows that the account balance is at {$0.00}. This happened to me twice with two different loans. The first time I paid a random amount extra, any extra funds over the " actual payment of payoff '' was not refunded to me, nor was it applied to another loan. The second time I called in and they customer service representative gave me an amount. For some reason she can see if in get system, but the online user accessible system did not have that amount. 

Both these practices are misleading and make the student loaner pay more.