davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TCF NATIONAL BANK (IL)

TCF bank has refused to process or honor dispute requests. I have had several hundreds of dollars loss in a game through XXXX play that loss all my game investment data so I was left with a dispute request after XXXX and the developers failed to resolve the matter. TCF told me they would not dispute the matter because I used my debit card for purchases in which I did not receive and that I would have to handle the dispute directly with the merchant. TCF has also denied a dispute claim from XXXX XXXX in which I was not informed of all the fees associated with joining. The gym failed to honor the 30 day cancellation period I was quoted by on site management and the fees were continuously charged even after trying to cancel with the gym. TCF charged me so hundreds of dollars in fees for insufficient funds and stop payment fees. When I first opened my account I was with a representative that seemed new to the branch because she had to keep asking her manager about how to open my account and so forth. The bank rep was supposed to open my account so that if I did not have funds in the account to cover a transaction they would be reversed and cancelled or not able to go through. This was not the case the overdraft and stop payment fees were never explained to me or honored as when the account was opened and even going into conversations with customer service. I would also like to add that the account originally was mistakenly overdrawn for appx 250 dollars which I had no problem putting back in with some sort of arrangement but now having I believe two to three hundred dollars worth of bank fees is ridiculous. The corporate office has refused to address or respond to letters and phone calls. The bank has failed to honor my dispute right with my accounts also once claiming it was denied because I had tried to continue to resolve the matter after filing my dispute in which the case was that TCF did not initiate or resolve the matter. The dialogues was started prior to the dispute and continued on as the developers of that game ran me around for months trying to resolve the matter. The disputes that have gone unresolved as well as the hundreds of dollars of fees is why I am filing this complaint. I have consulted with counsel and if the bank still does not pose any interests in resolving this matter I will proceed accordingly. This is unlawful and unethical financial actions and behaviors that have caused me undue stress and financial burden ongoing.
Consumer complaint received 2018-12-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Kirschenbaum & Phillips P.C (NY)

A debt collector company by the name of Kirschbaum and Phillips out of  XXXX, NY ( XXXX XXXX ), has sent over paperwork to XXXX XXXX Sheriff 's Department, trying to hard ball me for a debt from 14 years ago ( XXXX ). At the time, I was totally clueless that someone could dispute a debt, and I wound up paying somewhere around $ 14k, paying off one debt and started paying another before I found out that debts can be disputed. I never told the collector at any time that I wouldn't pay the debt, but I DID send them a letter via certified mail, asking them to send me validation of the debt pursuant to section 809 ( b ) of the FDCPA back in XXXX and they never did. I never contracted with this company for them to collect any funds from me, and all I asked for was a copy of the contract with the wet ink signature from both parties, that I gave them permission to collect these funds. The statute of limitations on a debt in XXXX is 6 years. So why are they giving this to XXXX XXXX Sheriff 's Department NOW, when all they had to do was present me with what I asked for a couple years prior? I will be attaching a copy of the letter that I presented them 2 years ago that wasn't followed up with any response.
Consumer complaint received 2018-04-04
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: EQUIFAX, INC. (NY)

There are several personal information that are very old on all three credit report agencies that I have written letters to to have these information removed and/or updated to which responses have been sent back to me indicating that these information were removed. The following year once I've requested a new report I then see that the same old information reappears on the report. Particularly XXXX  has several times failed to verify my identity while I made attempts to apply for credit due to their systems still containing old information that I could not confirm/verify during phone calls. 

Any help in having this issue rectified would be greatly appreciated. 
Thank you XXXX XXXX
Consumer complaint received 2018-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

I submitted a public record investigation request to LexisNexis XX/XX/2018 & XX/XX/2018. I received a responses more than 30 days after stating that the public record item was verified. In my correspondence, I request the Method of Verification which LexisNexis did not give in clear violation of FCRA. Additionally, they exceeded 30-day response requirements as per the FCRA. 

PUBLIC FILINGS US BKPT CT IL XXXX/XXXX not mine US BKPT CT IL XXXX/XXXX not mine US BKPT CT IL XXXX/XXXX not mine
Consumer complaint received 2018-12-03
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

They sat I owe XXXX XXXX XXXX XXXX XXXX for some sort of medical I've made several attempts to tell them I've been on Florida medicade since XXXX giving them all info to confirm this. I've filed a dispute with trans union they denied the dispute here is the number they gave me. XXXX. I'm at my wits end I've tried to rectify this to no avail. I can't even get the date of the service I was billed for but i was in a Florida prison from over a year prior to the date on my credit report until XX/XX/XXXX. No one will give me any info they just want ne to arrange a payment plan
Consumer complaint received 2018-04-04
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: Experian Information Solutions Inc. (FL)

There are two accounts that do NOT belong to me which are XXXX/XXXX # XXXX XXXX XXXX  # XXXX  I am NOT liable for these two accounts these need to be removed off of my personal credit file.
Consumer complaint received 2018-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I spoke with XXXX XXXX when the account was originally delinquent, then closed over 7 or 8 years ago I believe. The reason that I am not sure of the date is because I thought it was resolved until another collection company popped up, then another, and another, then the account was somehow reopened. I paid them and had closed out the account so I was confused by this. Now they have another collection agency saying it open and under 2 years old which is absurd and ruining my credit on equifax, which always has a problem with their website when I try to dispute, I requested forms which I never got, none of the other agencies report this. It is killing my credit.
Consumer complaint received 2018-12-03
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings (NV)

During lulls in work with my employer during the summer and fall of 2016, I sought help to keep other bills current by taking out loans against my vehicle and a personal loan backed by the vehicle. As things worsened I was unable to make the high-interest payments on the regular basis they wanted and sought some relief from the loan company. They gave a little relief on some of it, but a short time later XXXX XXXX repossessed my vehicle, selling it to settle my debts, but providing no documentation regarding the proceeds of the sale. They didn't provide any further details or overages, but then started collection action on the remaining loan. 


They later submitted the alleged balance to collection agencies, where it currently resides with XXXX XXXX XXXX XXXX, which is currently reporting false or incomplete information, that doesn't show the original amount, doesn't show the payments I made, doesn't show that they may have been charging more than 200 % interest, nor that the loan should possibly have been paid off from proceeds from the sale of the vehicle. 


I believe that XXXX XXXX 's reporting of this is in violation of my rights, since even if the alleged amount is correct, it is incomplete and misleading since I had made consistent payments to them, and is very negatively affecting my credit.
Consumer complaint received 2018-12-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (LA)

Original letter from XXXX XXXX XXXX , XXXX. 
Alleged date of violation : XX/XX/18 Alleged balance due : {$160.00} Letter from Transworld Systems , Inc. ( " Company '' ) : XX/XX/18 Company has taken on debts from the City of XXXX XXXX as a loophole to circumnavigate Louisiana State Law in collecting Red Light Camera civil fines. As part of an ongoing class action lawsuit, I wish not to be contacted or harassed by a company which is not affiliated with the City of XXXX XXXX or XXXX XXXX XXXX Parish for collection of a debt that is currently in litigation. Future letters or calls with consequences of reporting to a credit bureau will result in further complaints to CFPB and/or included as part of the above litigation.
Consumer complaint received 2018-12-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MA)

The XXXX XXXX XXXX XXXX is reporting to Experian and XXXX XXXX erroneous information they have submitted XXXX different versions of late payment now it shows charges off since XX/XX/2017 this account is included in a chapter XXXX bankruptcy and is still being paid this company is know for such actions my ss # is XXXX dob XXXX I want this removed from my report
Consumer complaint received 2018-12-03
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 — Investigation took more than 30 days
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MA)

The XXXX XXXX XXXX XXXX is reporting to XXXX  and XXXX XXXX erroneous information they have submitted 3 different versions of late payment now it shows charges off since XX/XX/XXXX this account is included in a chapter XXXX bankruptcy and is still being paid this company is know for such actions my ss # is XXXX dob XX/XX/XXXX I want this removed from my report
Consumer complaint received 2018-04-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

My name is XXXX XXXX. I am being victim of banking fraud for mortgage since XXXX. My house is in foreclosure and I have applied for loan modification. Lender did not want to help us with affordable payment and we decided to exist the house by doing short sale since they told us they stopped sale date only with short sale application. However, they dont even want to help and lied to us about short sale. We have short sale package and offer is pending review. However, they dont want to stop the sale and counter offer with ridiculous. I believe that California Homeowner Bill of Right Effective XX/XX/XXXX, it added for avoiding dual tracking during short sale or review alternative options. All we need to be fair with us for any decision. They dont approve loan modification nor give us options to exist in peace. We are all retired and old and need peace in mind to exist our house. We want to continue the short sale and they must give us time and effort to help not just want to foreclose. We have spent time to explain that we dont want to foreclose because we need to look for another place to rent. With foreclosure record, it would be tough and hard for us to find replacement house due to foreclosure. Please help us
Consumer complaint received 2018-04-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

I have requested validation/verification of debt in the amount of XXXX and XXXX that XXXX XXXX is saying I owe. These debts are not my debts. I have requested proof of these debts to no avail
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2018-12-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

XX/XX/2018 I was contacted by a company called XXXX XXXX XXXX representing XXXX XXXX XXXX in relation to an account with XXXX XXXX XXXX which was a direct result of identity theft and in which XXXX XXXX XXXX has agreed and absolved me of all relation with this account. I was told by XXXX XXXX  XXXX that i owed a balance from this company. I paid this amount under duress to prevent my credit score from hurting further. I have sent faxes to XXXX XXXX as well as letters demanding the payment to be paid back to me immediately. This was a deceptive collective of an debt I did not owe. I will pursue legal recourse if this matter isnt settled here. I am demanding my {$400.00} back immediately otherwise the amount i will be seeking through legaslative matters would far exceed this. XXXX has acknowledged receipt of all documentation in relation to my dispute but has not responded via letter nor phone call. I have had to reach out personally only to find out my claim has been denied by the highest level possible without merit nor just cause.
Consumer complaint received 2018-02-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

XXXX XXXX, A.K.A. Navient, purposefully denied receipt of written correspondence that specifically requests for help. 

In XXXX, I was able to work as a loan underwriter for several months. I learned how interest rates and the number of loan periods can affect the total finance costs of a loan. I realized that forbearance and interest only payment plans do not add help to the overall financial health of the borrower. 

Normally, when I ask XXXX XXXX, A.K.A. Navient, for help, there are a couple of standard responses that include forbearance & interest only payments. This help would temporarily allow me to survive the next couple of months, however, forbearance & interest only payments actually make my situation much worse as these temporary situations will come to an end and I will be left with a larger economic deficit. The idea is that after a couple of months, my financial situation would magically change and Id be able to afford payments. However, this is highly improbable to occur. The end effect is not help but distress. 

I currently owe about {$200000.00} in student loan debt and given the magnitude of this long term liability, I will need more than the average increase in income to survive than say someone with {$30000.00} in student loan debt. I realized this during XXXX of XXXX and decided to reach out to XXXX XXXX ( Navient ) and ask for a real, permanent solution to my financial situation. 

On XX/XX/XXXX, XXXX, I sent a successful fax to XXXX XXXX at XXXX, see FAX pg 1 PDF through FAX pg 5 PDF, which requested interest rate hardship status. I provided a graph of my economic situation and mentioned previous conversations with XXXX XXXX regarding solutions that were offered to me for help. I also asked that XXXX XXXX stop compounding interest. This would stop additional interest accruing on interest. I provided financial information to prove that I had negative capacity to pay my liabilities. 

After I submitted the fax, I called XXXX XXXX ( Navient ) about week later and they denied receiving the communication. The XXXX XXXX, A.K.A. Navient, representative sounded a bit suspicious, as if she didnt want to admit that such a letter even existed. I later checked online to see if any received documents were uploaded. To my dismay, my fax was not found. The fax cover, see FAX pg 1 PDF, proves that the fax was successfully received with the marker OK. At the time, I was scared of XXXX XXXX ( Navient ) and didnt push the letter. 

My question to Navient, A.K.A. XXXX XXXX, is as follows : Why did XXXX XXXX ( Navient ) deny receipt of my letter when it was clearly received? What reasons would there be to deny borrowers acknowledgement of their written communications?
Consumer complaint received 2018-12-18
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mr. Cooper Group Inc. (TX)

A mortgage company reported derogatory information to the credit reporting bureau for a mortgage that doesn't exist. It is for a house that I am unaware of ever existing. 

I don't own a house. The house I did own I sold over three years ago,  was financed by XXXX, and was paid in full at time of the sale. It was old after I remarried, about 3.5 years ago. 

This Nationstar/Mr Cooper mortgage company claims I am {$7200.00} behind, and my payments are {$2400.00} on a home mortgage that does not exist. 

According to my XXXX  report, there were payments made in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. We are a middle class couple, and my husband is near retirement. We haven't been making mortgage payments on anything except my husband 's house. He is the bread winner, I am stay at home due to XXXX. We don't even know where this " supposed '' house IS! 

He called ( recorded the call, which is legal in Texas ), and spoke to an XXXX XXXX, who wouldn't do anything about it without my Social Security number, which my husband refused to give him. Then Mr. XXXX transferred the call to his " esculation department '' who never answered the phone.
Consumer complaint received 2018-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

I talk to Experian office of consumer affairs that no companies cant access my Experian credit report when they tried to access it they get no hit and also I tried to access it thru Experian .com and it keeps giving me a message saying technical difficulties theirs no freeze or credit lock on my report. I think Experian office of consumer affairs put a block on my file from their system so that I can't access it or any other creditor also I call them about this all the time is they act like theirs no problem with my report what they doing is holding my file hostage it's causing damage to me in delay me in getting credit. My name XXXX XXXX social XXXX XX/XX/XXXX date of birth please take action
Consumer complaint received 2018-04-05
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: ONLINE Information Services, Inc. (NY)

I have disputed this debt online with the credit bureau and requesting validation of this account. Company failed to respond or send any proof of validation. I have no contract with the agency. This is the second time this debt has showed up on my credit report under a new collection agency. I have not been notified and will be referring this to an FDCPA attorney for review.
Consumer complaint received 2018-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (TX)

After sending XXXX XXXX in Corporate services who claims to be a customer advocate volumes of evidence showing without a doubt that XXXX XXXX  a supposed dating service that I made purchases from does not run a legitimate or honest operation I have had nothing but excuses, refusal to communicate, and a very unprofessional level of effort made to resolve the obvious fact that I never received the services that were supposed to have been rendered! 

The one technicality that Discover tries to rely upon is that their policy of time passed since the dispute was made from the date of purchase. 1 ) If I had known at the time I was being scammed I would have notified them sooner! 2 ) There is no legal statute of limitations on criminal fraud! 3 ) All they do is tell me to work it out with a merchant who has already unmercifully defrauded me! 4 ) All I have gotten is an e-mail saying that they will investigate the matter while continuing to negatively report my credit status in violation of law which states that while in dispute there can be no such report! 
I am appalled at Discover 's lack of effort and ambivalence to their cardholders!
Consumer complaint received 2018-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There are several personal information that are very old on all three credit report agencies that I have written letters to to have these information removed and/or updated to which responses have been sent back to me indicating that these information were removed. The following year once I've requested a new report I then see that the same old information reappears on the report. Particularly TransUnion has several times failed to verify my identity while I made attempts to apply for credit due to their systems still containing old information that I could not confirm/verify during phone calls. 

Any help in having this issue rectified would be greatly appreciated. 
Thank you XXXX XXXX