davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-11
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: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX and XXXX/XXXX/XXXX and XXXX/XXXX/XXXX XXXX/XXXX XXXX/XXXX/XXXX XXXX sent disputes to credit Bureus. These companies are all frauds, they tempt you saying low credit approved but decline after pulling hard inquiry. i even called them and there is no proper person to speak with and i end up getting ignored and agitated.
Consumer complaint received 2017-08-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (TX)

In the past couple months Ive called Naivent customer service in several attempts to be placed on hold at one time over 1 hour at a time to make reasonable payment options for my student loans. I feel like Navient systematically and illegally failed me at every state of repayment. I believe that Navient improperly directed me into forbearance causing me to acquire more debt. I was offered first a forbearance and I needed to pay a curtain amount which I paid, than later received a letter in the mail that stated that my loan was now delinquent. When i called i was told that the information that the previous associate provided was incorrect and they would not waive any of the late fees that I was assessed due the the negligence on their part. I was offered the income- driven repayment plan but was unable to make the payments provided. I also have previous late payments on my credit for a period of time I believe my loans to defer. I have reached out several times to attempt to have these issues rectified and the have gone unresolved. I am a single mother in a one income house hold. Im seriously wanting to purchase a home in the future and this is preventing me from doing so, I am reaching out begging for some sort of resolution.
Consumer complaint received 2017-08-12
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO. ()

I have filed my complaint with Chase Bank earlier ( XXXX ) and now I received another letter informing me that they would start charging me {$5.00} fee for the savings account that I 've been trying to close for months, which they did n't even informed me until NOW. They said they would waive my fee until XX/XX/XXXX since they forgot to inform me but this is just an added stress to their already sloppy service. I do NOT want to be charged for {$5.00} fee for the account that should have been closed months ago.
Consumer complaint received 2017-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANCO POPULAR DE PUERTO RICO (NC)

I received my card and the first statement closed a few days later, which included the annual fee, which I paid. Then the first month I tried using the card and at every transaction the card would be blocked with a fraud hold, so I 'd have to call to get it cleared. How annoying!!! Today I tried to use the card and it would n't work again! I received a phone call a few minutes later asking me to call XXXX XXXX XXXX to verify some possibly fraudulent transactions. I called and the person was unable to help me because there is now an access code on my account, so they transferred me to the Fraud Department. The Fraud Department claimed that they could not verify the possibly fraudulent transactions because somebody is reviewing my account. They said they did n't know how long the review could take and it could be indefinite. This is getting ridiculous! I have never had a credit card that is so hard to use! It 's like work using this card and I 'm beginning to doubt that it 'll ever work! The customer experience and customer service from this bank is horrendous! I 've never dealt with such a horrible company!
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MA)

On XX/XX/XXXX, I went to a car dealership to discuss getting a new vehicle and trading in my existing vehicle. When running # s, I was told that my vehicle has no trade value as it was involved in an accident. According to an XXXX report from Experian, my vehicle was listed as having been in a " Multiple Impact Collision '' on XX/XX/XXXX. I was never in an accident in NY. I called the XXXX County Police XXXX Precinct Auto Accident Clerk 's office and the records department and both confirmed that there were no records of an accident under my name or the accident report number cited in the report. The false information has monetarily hurt me.
Consumer complaint received 2017-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (PA)

I HAVE AN ELAN FINANCIAL SECURED VISA CARD. I HAVE PAID OFF THE CARD AND THE COMPANY SAYS I HAVE TO WAIT 60+ DAYS FOR MY SECURITY DEPOSIT OF {$3500.00}. I DO NOT THINK THIS IS FAIR. THEY SAY THEY WILL NOT CLOSE THE CARD TILL THERE IS NO ACTIVITY FOR 60+ DAYS.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Experian is reporting inaccurate information on my credit report. I have been disputing the information with both the creditor and Experian for several months. I thought the issue was with the creditor, however once I called and spoke to a supervisor and thoroughly researched the situation, it was determined that XXXX notified Experian in XX/XX/year> of the XXXX-balance action. Experian has not updated the information and although I have disputed the information online, by mail, and called directly to talk to a supervisor who manually disputed the information, my report is still inaccurate. 
I am in the process of purchasing a home and I currently have over $ XXXX of inaccurate information on my credit report. Another frightening thought is when my new lender reports to Experian, there will be almost $ XXXX of student loans on my credit report. This is unjust, unfair and negligent on the part of Experian. Honestly, I do not think they are even actually calling the creditors. At least not this one because if they were, they would find out that XXXX does not even have an account open in my name. When I call or go on their website and enter my social security number, NO ACCOUNT IS ON RECORD! Please help!
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Service Finance Holdings, LLC (FL)

On XX/XX/XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX an authorized service provider with XXXX XXXX XXXX XXXX XXXX came to our home. My wife XXXX and I listened to him for about an hour explain how he could get us on the Grid to eliminate our electric bill and maybe even get a refund at the end of the year. We were so excited about eliminating a monthly bill and helping the environment we signed the 2 purchase agreements ; one for {$11000.00} and the other for {$7500.00} ( XXXX XXXX said this was necessary to get the tax credit of {$5600.00} on our XXXX return ). Work proceeded and the system was live with our electric company ( XXXX ) on XX/XX/XXXX. Our XXXX bill came and we saw no credit and I called XXXX and was told that some electric companies delay the credit for one month due to accounting. Our XXXX bill came and only reflected a savings of {$60.00} from last XXXX or 21 %. Again I called XXXX and they sent a tech to my to verify the system was working and found it was working. Many calls XXXX management and no answers or resolution. I have now received my XXXX bill and it shows only a savings of {$13.00} from last year or 5 %. I have filed complaints with other agencies and am looking for financial relief with the finance companies in this matter.
Consumer complaint received 2024-11-04
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. (OH)

I review my consumer reports and I noticed that I had two late payments on account that I was never late for. The consumer reporting agency has assumed vital role and have a responsibility to report consumers information to the best of their ability with maximum accuracy. I have never been late on payments for this account. I have included a Screenshots and saw this complaint on. XX/XX/year>. Please investigate and provide proof which statement showing that these late payments were late. If no proof cant be provided I demand the late payments be updated to pay as agreed on time and they should be due to the fact I was never late. Thanks please see attached screenshots.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

15 USC 1692g ( 807 ) : False & misleading XXXX XXXX XXXX XXXX is NOT licensed in the state of Washington and therefore it is illegal for them to attempt to collect within the state of Washington. > 15 USV 1992g 813 ( d ) jurisdiction- XXXX  XXXX, XXXX is not licensed in the state of Washington XXXX Subject to compensation by litigation. 15 USC 1692g ( 812 ) : False and misleading- Failure to provide debt validation. Copies of statements is NOT proof of ownership of debt nor chain of ownership. 15 USC 1692c, - Communication in connection with debt collection ( b ) a debt collector may not communicate, in connection of collecting of debt with 3rd parties of which credit reporting agencies are 3rd parties. 15 USC 1692e ( 13 ) False representation or implication that documents are legal process. Copies of statements is not validation of ownership of. Failure to verify assignment contract, chain of assignment contract, purchase agreement and legal ownership of debt. FDCPA, FTC and FCRA violations-Collection agency is not licensed in WA state .
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I tried freezing my credit on XXXX/XXXX/XXXX at XXXX, Transunion, and XXXX  and systems were unavailable to process my requests for all three. I want Congress to begin regulating this industry IMMEDIATELY!! Clearly they do not have appropriate controls or processes in place. They make money selling our credit histories yet we get charged to freeze our own credit This is unacceptable and Congress needs to do something about it!!
Consumer complaint received 2017-08-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

OnXX/XX/XXXX I received a letter from XXXX XXXX saying I owe XXXX XXXX XXXX. I informed them that I do not owe this and that the account does n't belong to me. The rep yelled at me saying that it does and I needed to pay and used foul language. The debt was posted to my credit and I disputed it woth the credit bureaus and XXXX XXXX and it was removed.Now i have received another letter today XX/XX/XXXX dated XX/XX/XXXX from a different company XXXX XXXX which is a completly different cpmpany saying I pwe this debt of XXXX. I informed them it was disputed before and removed but theu say i owe please help me with this.
Consumer complaint received 2017-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Enterprise Systems, Inc. (FL)

I was recently alerted by a credit monitoring service that a new collection account was placed on my XXXX credit report on XX/XX/XXXX in the amount of {$2500.00} by National Enterprise System the original creditor being XXXX XXXX. Let me start by saying, I do n't owe this debt because it was included in my chapter XXXX bankruptcy discharged of XX/XX/XXXX. I am certain XXXX XXXX was notified of my filing and discharge at the time. I have a copy of my discharge notice as proof. I was also able to contact XXXX XXXX on XX/XX/XXXX which they then confirmed my debts were sold to an outside collection agency many years ago soon after learning of my filing. XXXX XXXX forward me an old student account summary showing a balance in the amount of {$1000.00} dated XX/XX/XXXX that I allegedly owed at the time, which i disagreed with. The collection agency ( NES ) who now owns this zombie debt plus the unexplained amount they 've added on to it has re-aging this debt by recently placing it on my credit report as if it was only 4 years old.They claim I owe this amount but can not tell me why. I have worked very hard to re-establish my credit over the past 6 years and now my rights are being violated and this is beginning to cause me great stress and depression.
Consumer complaint received 2017-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (DC)

First, Citibank changed the email address from which it sent my statements without notice ; as a result, my XXXX statement of {$340.00} was emailed directly to my spam folder and I had no notice of it. The XXXX statement had a payment due date of XXXX XXXX, 2017. Then, I did not receive notice of the overdue statement balance until XXXX XXXX, after receiving numerous phone calls -- the phone calls were basically nonstop and I had a crazy number of voicemails left on my phone. That same day, because of the phone calls, I went to my online account and saw the overdue balance, and that my XXXX statement included interest charge of {$6.00} and a {$25.00} late fee, bringing my total balance to {$370.00}. I immediately paid the balance in full ( {$370.00} ). The XXXX statement had a due date of XXXX XXXX, 2017. I then called Citibank to explain what had happened, and the customer service represented told me that once my payment had been processed, to call back in two days and they would refund me the interest and late fee. I called back two days later once the payment had been processed, only to be told that Citibank would NOT refund me the interest and late fee, even though it was their fault I had not received the XXXX statement. I was so frustrated that I decided to cancel my card -- I have great credit and have never had this type of issue with a credit card company before, and so decided I just would n't deal with Citibank. I then received my XXXX statement. Even though my XXXX statement was paid IN FULL on XXXX XXXX ( much prior to the XXXX XXXX due date ) and had a XXXX balance, Citibank charged me interest AGAIN. I then called again to explain the issue and their mistake, only to be told they would n't be refunding me. They 're literally thieves at this point. Lastly, I ca n't even download my statements from their website -- so I have had to take screen shots to send to CFPB.
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

Collection companies are changing dates of original date of debt. I contacted collection agencies and receive no response. I contacted Equifax and they tell me I have to prove it. Yet Equifax has had it on my credit for numerous years. For example : XXXX XXXX shows {$240.00} this year - the debt from XXXX was acquired in 2006. This shows up on all credit bureaus. XXXX XXXX shows I owe them, I went to court, the debt was dismissed IN COURT because I turned over my home to XXXX XXXX, Equifax will not remove from my credit, even after I mailed then proof of the court document. I have four credit cards - all in good standing - why does n't Equifax reflect that in my account or score? Also, their credit score is XXXX points less than the other credit reporting agencies with the same information, why?
Consumer complaint received 2017-08-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (PA)

So not only will they not prove to me what I owe I know that i owed like XXXX dollars and now it is well over XXXX.second issue is i tried to get in touch with this company for weeks and would sit on hold for hours to be hung up on. Third problem is they told me if i made payments that they would reflect it on my credit every month and they just said that to get me to agree to pay something. Now i call and they say they wont do so until entire debt is paid for. I have researched this company and they have tons of reviews stating that once paid they dont report that it is. My last problem is I ca n't believe a word they say now. I want the original amount from the original company because i know XXXX is completely rediculous. They treat you like XXXX and say well it is your credit. I am trying to buy a house and this rediculous company is holding me back. I am willing to pay them XXXX the XXXX for original debt and XXXX just to shut them up and get this resolved but i am at a loss. I need them to report this off my credit and for correct amount.
Consumer complaint received 2017-08-11
Product: Mortgage — Conventional home mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Shellpoint Partners, LLC (MI)

The compliant is my mortgage payments are not being sent to the three credit bureaus. Shellpoint mortgage states since I was in a bankruptcy, and discharged they would not report my payments. The representative stated, I would have get a home modification loan or refinance the loan. This makes no since, my loan will be paid off in XX/XX/XXXX. Shellpoint purchased this loan from XXXX. XXXX immediately started reporting payments after I was discharged in XX/XX/XXXX. I tried talking to XXXX to make sure Shellpoint received all the required documents. XXXX representative XXXX stated that all the rules should be the same for mortgages ; but I would have look into it. XXXX stated that all documents were sent to Shellpoint. I had the same problem with XXXX when my Chapter XXXX Bankruptcy was discharge and I had to notify CFPB to rectify the problem. Shellpoint loan number XXXX
Consumer complaint received 2017-08-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southern Financial Systems, Inc. (LA)

After viewing my credit report, I noticed a collection account placed on my credit report by Southern Financial Systems , IncXXXX for the amount of {$880.00}. On XXXX XXXX I mailed a debt validation letter to Southern Financial Systems , Inc. via certified mail requesting them to provide proof that the alleged debt is mine. The letter was signed for by a XXXX XXXX on XXXX XXXX. It is now XXXX XXXX, XXXX and I have yet to receive a response form this company. I have never received a bill or any documents from this company.
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30, 60, 90 days in the months of XXXX, XXXX, XXXX, nor XXXX. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.