davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

TransUnion Consumer Solutions XXXX, PA XXXX ATTN : Legal Department I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is of a derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX search. Please also notify the source, who reported the item within five ( 5 ) days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. 
I will expect you to notify me the results of your investigation within five ( 5 ) business days from the completion of your investigation. In addition, I will expect you to complete your investigation within thirty ( 30 ) days from the date you receive this dispute or the item being disputed will be unverifiable. 
The items that appear on my credit report as : 1. ACCT. NAME : XXXX ( XXXX ) ACCT. BAL : {$420.00} This ACCT. is charged off. Error please delete inaccurate. 
2. ACCT. NAME : XXXX ( XXXX ) ACCT.. BAL : {$0.00}. This ACCT. was transferred. Error please delete inaccurate.
Consumer complaint received 2017-03-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivable Management Group, Inc. (GA) (TX)

I have insurance through the Veterans Affairs purchase offices. I am a XXXX Veteran and the issues of this company being paid by the purchase office of the VA care setting. This company cliams that the VA did n't pay them. They are charging me XXXX dollars and are harassing my employment, school, wife, and life. They are a comoany based out of their home. They have commited fraud and want an investigation into what their doing. Highly illegal practices. All three of my XXXX scores have been lowred by them. I 'm also military which have certain laws protecting me. I need help with this case please.
Consumer complaint received 2016-11-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have provided the attached documentation of identity theft to all XXXX Credit Bureaus regarding an identity theft and wrongful IRS Tax Lien being reported on my credit report. The IRS removed the claim, as have XXXX of the XXXX reporting agencies. TransUnion has said that I did not provide enough proof, even though it was sufficient for the other XXXX agencies. When I pressed a supervisor for what more information needed to be supplied the answer was 'I do n't know. ' This is unacceptable that a CRA can report obviously incorrect information on my credit report, and refuse to tell me what information I need to provide in order to have this fraudulent information removed. TransUnion in my opinion is making up their own rules, and is operating outside of the law with regards to credit reporting. I was a victim of identity theft, and TransUnion is continuing to victimize me by reporting false information after being provided sufficient evidence to support this. Additionally, they are causing me undue aggravation and duress by failing to comply with the law regarding removing false information from my credit report. I am requesting you take action against them, and let them know they are not above the law.
Consumer complaint received 2016-10-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (IL)

I have repeatedly disputed identity theft accounts on my credit bureau with Experian. I completed an identity theft affidavit along with a Police Report and sent it to Experian. When I called to find out why the items have n't been removed, I was told that I am no longer eligible to dispute incorrect items on my credit report and Experian would not be removing these items. I have asked for proof of verification and have not received it. There are currently XXXX items which do not belong to me on my credit report and they are damaging my credit. I have contacted the creditors and they do n't have any accounts for me. How is it possible for Experian to damage a consumer 's credit without proof.
Consumer complaint received 2016-10-16
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: WELLS FARGO & COMPANY (MI)

I have private student loans with Wells Fargo Bank. I have a full time job that requires me to travel both out of state and out of the country, I had a gap in college attendance last XXXX. Because of that, my student loan payback was scheduled to begin. I enrolled in College XXXX to begin in XXXX, as I have approximately XXXX classes left to complete my XXXX XXXX. 

In XXXX I spoke with a Wells Fargo representative and was told if I made a payment right then, it would keep my loans out of default and then when my classes started in XXXX my loans would again go into deferment. So I made the payment they required to keep my loans out of default. I started school in XXXX and asked my college to send verification to Wells Fargo, as I was instructed to do by the Wells Fargo Representative. 

My college 's policy ( XXXX XXXX ), is to only verify enrollment after the class drop date is passed, which is 4 weeks into the semester. Wells Fargo did try to verify my enrollment - but it was before the school will provide verification. This week I received notification that my loan is in default, and Wells Fargo also reported this to all XXXX credit bureaus, which in turn lowered my credit score from XXXX to XXXX. I have worked hard to maintain a great credit rating by always paying all my bills on time. 

After receiving notification I have spoken to several Wells Fargo representatives and explained my College 's policy and requested they verify it now as the 4 weeks has passed. 
They told me there is nothing they can or will do and are proceeding with the defaults. There is no way I can currently begin paying back these loans. I followed what Wells Fargo told me to do and they still continue to process a default. My college has now provided verification of my attendance to Wells Fargo and yet they still refuse to remove the default and restore my credit rating. 

it is unjust for Wells Fargo Bank to tell me how to resolve this situation and then after I follow exactly what they instructed me to do, they do n't do what they promised to do and instead force me into default ruining my financial future.
Consumer complaint received 2016-04-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NE)

XXXX XXXX ( now Navient ) misallocated payments between the loans in a Billing Group. I request that the payments be properly reapplied. 

At the time of the error, Private Loan XXXX had a principal balance of {$31000.00} with an interest rate of 3 % and Private Loan XXXX had a principal balance of {$27000.00} at 2 % interest. 

Despite repeated requests to move these private loans out of the same Billing Group, at the time that this allocation error occurred, XXXX XXXX had denied my requests. They repeatedly denied these requests to separate the loans from a Billing Group until XXXX XXXX. 

In the attached documentation, you 'll see that a {$10.00} payment made on XXXX/XXXX/XXXX and a {$12.00} payment made on XXXX/XXXX/XXXX were XXXX allocated towards XXXX loan only : the Private Loan XXXX, which has the lower interest rate and the lower principal balance within the Billing Group at the time. 

Payments made on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX seem to be properly allocated between XXXX loans within the same Billing Group.
Consumer complaint received 2016-09-10
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (IN)

I have been going over my credit report, and have noticed that Experian is posting inquiries on my report that I did not authorize. Moreover, there are instances of duplicate entries. 
The ONLY inquiries that I have authorized are below : 1 ) XXXX ( XXXX XXXX, 2016 ) 2 ) XXXX ( XXXX XXXX, 2016 ) 3 ) XXXX ( XXXX XXXX, 2016 ) 4 ) XXXX ( XXXX XXXX, 2016 ) There is no excuse for any other inquiries on my report. Moreover, XXXX ( in XXXX ) was given my report XXXX times within 5 days, which is obsurd since the only financing I sought out ( and received ) was from XXXX in XXXX. I believe there is a huge mistake. Experian needs to correct this - giving copies of my credit report without my express written consent violates FCRA. 
The only inquiries to be on my report at this time are the XXXX that I mentioned above. I am not currently seeking credit, and have only sought credit during the aforementioned 4 times above. 
Anything else from TODAY 'S DATE to XXXX XXXX must be removed. Permissible purpose was not established nor granted by me as I did not ask for credit, and these are not soft inquiries. They are hurting any future chances of me legitimately asking for credit, which means it is hurting me financially. 
My identification has been uploaded for your convenience. 
A copy of this complaint has been forwarded to my attorney.
Consumer complaint received 2016-09-10
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Experian Information Solutions Inc. (NC)

Experian is reporting XXXX Mortgage as 60 days late. The first payment was due XXXX 2016 from a refinance, per FCRA law a mortgage company may not report the first 60 days late due lender changes. I am XXXX Military and XXXX. I did not receive any document on who to pay before I left. I just learned by email on XXXX XXXX that the lender is XXXX. I do n't even have an email or account to pay them. I contacted the refinance company XXXX XXXX and they could not tell me who lender was either.
Consumer complaint received 2016-04-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

just recd new credit report # XXXX from trans union they have put adverse accounts XXXX # XXXXback on report 90 days late 6o days late this is cc ending in XXXX we now have a credit balence why is this back on my credit report these people are driving me crazy please get off my report
Consumer complaint received 2015-10-09
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

At the time of the lease agreement, I was under legal age to sign lease agreement. I was still in XXXX school and on the lease we agreed he was head of house hold. I had no job just school That was also written on the lease XXXX.
Consumer complaint received 2016-06-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (TX)

Credit Bureau refuses to remove or validate erroneous false information on my credit report. Credit Bureau Reps admit that a " computer " verifies it. I have repeatedly asked for their method of verification which is my right under the FCRA section 611 ( a ) ( 7 ). I have contacted the courthouse and I have a letter from the Clerk of Court that stated that they DO NOT VERIFY with the bureaus. They will not tell me what third party vendor they " verify '' with so that I can dispute directly with them. 
The information that they are reporting has many factual inaccuracies which they refuse to correct or delete.
Consumer complaint received 2016-08-31
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth (AZ)

While living in XXXX in early XXXX, I received a collection notice for a hospital bill for XXXX ER visits that was addressed to someone with a different spelling of name for my son. I called the collection agency and informed them that my son was not in the state of XXXX for the first visit date and the debt did not belong to my son. I then called the hospital to inform them of the error and the debt did not belong to my son. My son, who was back in XXXX, drove XXXX miles to the hospital to provide his ID to prove he was not the person on the debt. I was told they would correct the issue, but it was not corrected and I continued to receive collection letters and phone calls. Each time, I notified ARS ( Account Resolutions Services ) of the error. On XXXX XXXX, XXXX as instructed by ARS, I sent a letter with a copy of one of the collection letters informing them of the error and to cease and desist collection from my son. I continued to receive collection notices so in XXXX XXXX, I reached out to the hospital 's parent company 's compliance department and spoke with XXXX XXXX. She said she would investigate and on XXXX XXXX, XXXX I received a letter from their financial department stating it was verified the debt did not belong to my son and the credit reporting agencies were notified. XXXX assured me that the records were corrected and the collection agencies, including for the physician bills, were notified of the error. All was quiet until XXXX/XXXX/XXXX when I again received a collection call from ARS. ARS was notified on multiple phone calls that this debt was not my son 's and in writing on XXXX XXXX, XXXX and to stop collection on this account. ARS has violated my son 's rights by refusing to remove his personal information from their records and to stop collection efforts.
Consumer complaint received 2016-06-23
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: CITIBANK, N.A. (NY)

I was not aware when I first entered repayment. Because of this, I fell behind in my payments. The monthly payments ( without the late fees ) were already impossible to make without assistance ( approximately $ XXXX/month ). When I spoke to Citi, they told me " ask your cosigner ''. I informed them that my cosigner 's financial situation had changed and could not help me. I asked if there was a way to change my monthly payments or to return my late payments to the principle so I could try to make my payments. Every time I was told no, there were no options for me. When they asked why I was behind, I explained that I already was struggling to make the basic payments and they responded by offering that I could do a payment plan where I pay more each month until I caught up. I explained every time that I work XXXX hours a week and only take home {$250.00} a week. During these hours, I can not answer my phone, but they never would leave messages so I had no way of knowing who was calling or what was happening. Every time this was explained, they said they would make a note on the account, but nothing ever came of it. Citi began threatening me that the account would be charged off and I had to pay over {$2000.00} immediately every time I called to talk to them about the loan. Because of these problems, they referred the debt to a collection group, but did not sell the debt. I spoke to the collection group and was told I had to either pay {$21000.00}, lump sum, or monthly payments of {$720.00}. I tried again to call Citi to try to come up with a repayment plan with them. The loan was still in their possession but they would not discuss the loan with me and kept directing me to call the collection group, telling me that the debt had been charged off. I asked the representative directly if Citi still owned the debt or if they had sold it to the collection group. I was told yes, Citi still owned the debt and that the collection group was only collecting for them, but Citi still refused to speak to me about the debt. I have XXXX to make it possible to live a normal life. Because of the extreme debt burden, I was XXXX.
Consumer complaint received 2016-10-17
Product: Credit card — 
Issue: Billing statement — 
Company: DISCOVER BANK (MN)

I check my balance today at Discover it it displyed the following ( information also in the from as an attachment from the website ). 

Last Statement Balance : {$310.00} Recent Transactions : {$850.00} Recent Payment and Credits : - {$0.00} Current Balance : {$1400.00} I am not sure how you do that math. How can you add XXXX to XXXX and arrive at XXXX? That is just incorrect and Discover is trying to deceive customers. How are they off by {$300.00}? 

Now Discover might state that it is because of Pending Transactions. However, that is not true. Also included in the transaction is all of the current Pending Transactions. You will notice that this total is {$59.00}. So I will give Discover the benefit that my current balance may include pending transactions but that still means there is a difference of {$240.00}. Additionally, Discover gives the definition of Current Balance to say " Your Current Balance is the total of all transactions posted to your account as of the previous business day. '' Please note the key words of POSTED and that there is no mention of PENDING in that statement. This information can be found at Discover.com. I understand that there are some merchants that can impact the Available Credit ( i.e. Hotels, car rentals, etc. ) But as stated on their site, this will affect the Available Credit and NOT the current balance. Current Balance seems like a pretty easy calculation and they even lay out that calculation on the website as seen in the attachment. 

This needs to be corrected.
Consumer complaint received 2017-03-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ad Astra Recovery Services Inc (LA)

XXXX XXXX, LA XXXX Ad Astra Recovery XXXX, KS XXXX Account # XXXX Dear Ad Astra Recovery, I am in receipt of your company 's letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records, I am unable to nd any documentation of any contractual relationship between ( name of company ) and me which makes you a person entitled to enforce a commercial claim against me. This letter is not a request for verication or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certied copy of an original contract, with my signature, specically naming your company as a person entitled to enforce a commercial claim against me. Certication can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you, ( name of president ) and ( name of company ), are not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I will le a complaint with the Attorney General and Federal Trade Commission, and le a police report against you for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. If you transfer this account to an attorney without providing proof of contract, he will be immediately reported to the State Bar Association and XXXX for code of ethics violations. Sincerely, XXXX
Consumer complaint received 2017-01-12
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A. (NY)

I have a checking account with Citibank. As I was going through my automatic payments online yesterday on XX/XX/XXXX, I noticed a monthly charge of {$25.00} service fee. I than checked the past account details going back to XX/XX/XXXX ( I did not check older dates ) and noticed that I was penalized by {$25.00} in every month of XXXX for not having sufficient funds. As I called their customer service, I was told that if the balance goes below XXXX, I would be charged {$25.00} as service fee. My argument is, when I use my citibank card outside XXXX, I would receive an alert from Citibank to confirm about that particular payment, however, when my balance goes below XXXX, I would be charged {$25.00} without any notice via text or phone call. I already talked to the branch manager earlier, and downgraded my agreement. The manager agreed on paying me back for only past three months. I have always trusted Citibank until now, yet unfortunately due to this dishonest policy I am extremely disappointed. The Citibank took advantage of my unawareness. They should discontinue such dishonest policy to take advantage of customers or at least they should inform the clients via phone call or text message promptly before they penalize them. 

ps : After talking to the branch manager today XX/XX/XXXX, I tried downloading the transactions beyond XX/XX/XXXX but it did n't allow me to view older transactions. Therefore, I am only able to attach transactions until XX/XX/XXXX
Consumer complaint received 2017-03-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (WI)

XXXX XXXX sold my mortgage to XXXX. I have been paying {$50.00} to {$100.00} more on my mortgage every month for at least 3 years and maybe more than that yet it seemed as if the principal never went down. So then XXXX sold my loan to Loancare. I did n't even get one payment in and they raised my payment yet I know taxes did not go up because the value of my condo has gone down. It was one of the first payments of the year and they found a way to bilk me out of almost {$200.00} because they say there was n't enough money in escrow. Of course there is n't it was only XXXX so nothing had accrued as yet. I did not agree to make that amount of a payment when I bought this condo and if they can artibitrarily raise my payment then they can say well now you have to pay a XXXX a month more or a XXXX dollars a month more cause we say so. I know my mortgage does not provide for that.Do n't I have anything at all to say about who has my mortgage and can they just force me to do anything they say when that is not what I signed up for at all? I have never missed a payment and have paid extra almost every month.