davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

First main issue is that another supposed collection company collecting on behalf of XXXX XXXX XXXX has contacted me again for the same {$2100.00}. Last time I submitted a complaint the company was claiming to be XXXX XXXX XXXX XXXX collecting for XXXX XXXX XXXX, in the amount of {$2100.00}. I do not want this derogatory information to hurt my good credit that I have worked so hard to obtain and keep. Once again I am disputing that this is not my bill. Again, 1 ) I have never been in a contractual agreement with the reporting company 2 ) I have never been late with payment or delinquent with XXXX XXXX XXXX XXXXecause I DO NOT have an individual account with XXXX XXXX XXXX. 3 ) The obvious how can you be delinquent the same month an account supposedly was opened. 4 ) This is obviously a fraudulent activity and 5 ) this happened in 2020 twice but under a different name for XXXX XXXX XXXX when I disputed it was removed according to FCRA practices. 6 ) I have done my due diligence with disputing this several times and requesting they provide proof. 
I already have placed the fraud alerts on all 3 credit bureaus because of this bill that is not mine randomly shows up. Which has led me to use my right to make formal complaint against this Transunion, XXXX and XXXX XXXX XXXX XXXX. 

I do not owe anyone any money. As my credit file indicates 100 % excellent payment history because I pay my bills and creditors on time every month. 

The right and fair thing is to have this company to stop writing me and ensure removal of any inaccurate /fraudulent information from my credit bureaus and their records. As well, as for XXXX. XXXX, XXXX to cease from reporting this inaccurate information and or provide documented proof that this account belongs to me. There are no documents me for me to provide because again I have never been in a signed contract with XXXX XXXX XXXX XXXX nor am I in default or have been delinquent with an individual account with XXXX XXXX XXXX. 

I have even contacted XXXX XXXX XXXX  on several occasions regarding this same matter and they always tell me they do not have me has having had an account with them. 

Kindly, XXXX XXXX
Consumer complaint received 2017-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (NY)

I have a significant amount of student loans from law school which are now serviced through XXXX XXXX at myfedloan.org. I am on the IDR plan as I can not afford the minimum payments and I am required to recertify each year to stay on the IDR plan. I did so this year, filing the recertification on XXXX XXXX. On XXXX XXXX, I received a notice from XXXX  saying I had not yet recertified and that while my loans would remain on an IBR plan, my new monthly payment would be more than double what I had been paying. I reached out to them and was told they could put me on a forbearance until the certification issue had been cleared up and that is what I did. Later on XXXX XXXX I was told that my IDR plan recertification was approved. I emailed again on XXXX XXXX asking for clarification as to what happened and notifying XXXX that throughout the summer, my minimum payments had been {$0.00} ( despite my IDR plan being recertified in XXXX ). I was told on XXXX XXXX that they did not receive my recertifcation on time, despite submitting it days before their notice that I ( erroneously ) had n't yet recertified and thus my partial financial hardship payment on the IBR Repayment plan expired and the unpaid interest was added to the principal balance ( through capitalization ) and that this was unable to be reversed! I was never told this was a possibility and I have never had this problem before in years of paying off loans. Now my monthly payments are approximately the amount they had been before, but my current principal balances have increased by a total of about {$15000.00}! Is there anything that can be done? I 'm already going to be paying these loans for the rest of my life!
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

15 U.S. Code 1681c2 Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
YOU ARE IN VIOLATION IT HAS BEEN ONE MONTH AND THESE ITEMS ARE STILL ON MY CONSUMER REPORT PLEASE REMOVE ALL THE FOLLOWING ITEMS AS I AM A VICTIM OF IDENTITY THEFT. 
15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or I WOULD LIKE FOR ANY AND ALL ACCOUNTS RELATING TO XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX TO BE REMOVED IMMEDIATELY.
Consumer complaint received 2023-04-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: DISCOVER BANK (FL)

Since XXXX Discover Credit Card Bank kept raising my credit limit where it would be impossible to cover in whole now entrapped methodically with penalty fees mounting. I am a 100 % Veteran Administration XXXX XXXXXXXX XXXX Veteran living month to month on lower-fixed-income benefits since XX/XX/XXXX single, currently age XXXX with no savings account or assets. I am a rescued XXXX XXXX veteran living in XXXX County Florida taken off the streets in XX/XX/XXXX securing residency where I still reside. Discover was a constant caller menacing with threats in USPS mail demanding payment which my VA underfunding simply doesn't allow for. Discover belligerently refused a credit consolidation loan twice when I was up to date in payments then I watched my hard earned XXXX credit rating terminally disintegrate over the months and years that followed. I received a Small Claims Court summons by a Discover Attorney and appeared submitting my " exempt '' VA and minimal Social Security documents to the court in a timely manner. XXXX  court appearances I witnessed my XXXX condition for 100 % XXXX and every piece of my defense was equivocal to when the government uses black ink on official documents in every line my defense was methodically " blacked out '' as the judge verbally dismissed any defense provided her. The " two party contract '' was tampered with as the court only considered the Plaintiff throughout the entire trial and Final Judgement. Application for a credit card formally is a two party agreement but in court Discover altered that agreement after the fact prosecuting instead an intended conversion to a single party contract, voiding legitimacy. Other complaints to CFPB Discover refused to acknowledge my 100 % exempt documented XXXX benefits and vehemently pursue collections now locked in for 20 years with Circuit Court Final Judgement with increasing percentages and taxes annually against funds that are not accessible to them in collections. My last complaint with Discover CFPB " XXXX '' determined Discover has done no wrong even after being cited with two Florida State Statutes forbidding collection of exempt income. As she also noted she will refuse any further communication or responses and refused further cooperation with CFPB in the future rather than simply dismissing their case in XXXX XXXX in compliance with Florida Statutory law. Where now Discover is willfully, wrongfully intending to collect from documented protected income with criminal intent causing undue mental anguish from day to day compounding symptoms of my XXXXXXXX VA outpatient XXXX XXXX XXXX status vehemently and unrelenting..
Consumer complaint received 2017-03-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (PA)

I obtained several private student loans through National Collegiate and Trust between XXXX and XXXX to pay for expenses while I was going to college. Due to a death in the family and several financially difficult situations, I used the available deferment on my loans so they would not default. I graduated in late XXXX and, after moving to a new job in XXXX, was finally able to pay the full amounts due each month. I have paid my loans on time for since XX/XX/XXXX and am now more financially stable than my aging mother who is the co-signer on one of my loans. As this loan also affects my mother 's credit, I called the loan servicing company recently and requested to have my mother released as co-signer. I was told by AES ( the loan servicing company ) that because I used forbearance/deferment in the past, my mother is never eligible to be released as the co-signer. I was never told this would be a consequence when I was given the option of deferment and find National Collegiate and Trust 's policies to be unfair and unclear. Furthermore, they advised that my loans are not eligible for an interest rate reduction ( they are currently at 7.38 % and 8.0 % ), even with an auto-pay option. I can not refinance my loans because of my debt-to-income ratio, despite the fact that I have good credit and make {$61000.00} annually. My complaint is to dispute their unfair consumer practices. Deferment should not bar any future consideration of a co-signer release and if it does, this should be clearly disclosed to the consumer before they enter deferment.
Consumer complaint received 2016-09-15
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A. (VA)

Applied for a mortgage refinance with Citi Bank XX/XX/XXXX. They provided me with a list of documents they needed from me. I uploaded the documents to the website they instructed me to. They lost the documents. I emailed the documents to XXXX XXXX, who conveniently does n't work for them anymore, and she lost them as well. I overnight expressed physical copies of all documents to their office in XXXX XXXX. I have proof of a signed receipt of the documents. They lost these too. They then cancelled my loan because they never received my documents. However, they never told me they cancelled it. I have been trying to get them to respond to me since XXXX XXXX, and they will not return my calls. XXXX XXXX finally returned my call today, XXXX XXXX, to tell me that my loan has been withdrawn and I will have to start the process over. This is the most incredible incompetence I have ever encountered. I am in the process of moving all of my citi accounts to other banks. I will never do business with them again. But, I do n't want another consumer to have to go through what I have been through.
Consumer complaint received 2016-09-30
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (PA)

My Account at Citi Bank has always been a mess. They closed it when the market dropped since I paid a little late here and there. Then when I went on short term XXXX I was not getting paid on time from the State so I started to get behind and Citi would n't let me pay online. anymore. At that point I sent a check to get up to date and they misapplied the check so I decided I was not paying by check anyone. I would call in but their hours are awful and made it hard for me to pay since I work long hours. Even if I paid on the due date if it was after their cut off I still had to pay their late charge. so in XXXX I decided to sign up for ACH payments it was going fine for a couple of months then just stopped. I called no one at Citi would take the time to help but one man he saw it was set up but did n't know why it just stop pulling. I paid for that month and the next and he set me up for ACH again starting on XXXX/XXXX/XXXX for XXXX So here I think its coming out but when I was trying to see why my checking account was off balance in the Month of XXXX. I called in to Citi asking why they are not taking my payments. Everyone I talked to said I was never set up and I explained I have a letter from Citi Bank Confirming this. The Reps stated they could not help me and my account was sent to XXXX. I talked with them and they also said something seemed off on my account and put a claim in. They said my account is on hold not to make a payment that Citi has 60days to look at the account. I call back they said Citi have never replied to them so they sent in another claim telling me not to make payment that if I did then that 's admitting Fault. I tried calling them again and still nothing from Citi. Now its end of XXXX so I fax a claim in my self. Still Nothing from Citi. I mail in a payment since I keep getting billed writing a letter with my claim that I still want my late charges back and my credit fixed and my account sent up for ACH. It is now XXXX and I have still not heard anything from anyone. I tried calling and everyone tells me they can not help me. All I want to do is pay my bills on-time and if I am couple day late then I will pay the Late fee however if my account is set up on ACH and you do n't pull it when its no fault on my end then no I am not going to pay their Late fee. I am started to feel like this is a scam since companies live off fees and that 's why Citi has not responded to claim. I and XXXX have sent several claims in and Citi never responds. This is the only account I have payment issues with and can not pay by phone, online or ACH. My account is up to date I tried calling to make my payment and they refused it. I never heard of a company refuse payments I tired several times and different departments. I am sure I am not the only one. All I want is the late charges refunded a letter to fix the Late payments and my account set up for ACH. I have all forms to show you.
Consumer complaint received 2016-04-25
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (IL)

ON XXXX/XXXX/16, I ATTEMPTED TO USE THE ONLINE SERVICES OF SYNCHRONY BANK, TO REQUEST A CREDIT LIMIT INCREASE FOR MY WALMART CREDIT CARD ACCOUNT. THE FIRST STEP OF THE ONLINE PROCESS REQUIRED THE CREDIT CARD HOLDER ( MYSELF ) TO INPUT PERSONAL INFORMATION FOR VERIFICATION PURPOSES, INCLUDING INCOME. THEN, THE CARD HOLDER IS PROMPTED TO PRESS THE NEXT TAB BUTTON TO PROCEED TO NEXT SCREEN. IN DOING SO, THE ONLINE SERVICE IMMEDIATELY PROCESSES THE APPLICATION. THE ONLINE SERVICE DID NOT PROVIDE ANY MEANS FOR MYSELF TO CONSENT, CONFIRM, OR AUTHORIZE A CREDIT INQUIRY NOR REVIEW TERMS OF AGREEMENT UPON REQUESTING A CREDIT LIMIT INCREASE. I DID NOT HAVE AN OPPORTUNITY TO OPT OUT OF MY REQUEST AT ANY TIME DURING THE PROCESS. THE ONLINE SERVICE HAS ONE INITIAL STEP, THEN ONCE YOU PRESS THE NEXT BUTTON TO TAB TO NEXT SCREEN IT PROCESSES APPLICATION. I WAS UNAWARE THAT I WAS AT THE FINAL STAGE OR STEP OF THE CREDIT LIMIT REQUEST PROCESS. I BELIEVED THAT ONCE I CHOSE NEXT I WOULD BE DIRECTED TO ANOTHER STEP WITHIN THE PROCESS. THE ONLINE PROCESS DID NOT INDICATE OR DISCLOSE THAT I AM CONSENTING TO A HARD INQUIRY. THERE SHOULD BE A FINAL CONFIRMATION STEP TO ENSURE THE CARD HOLDER WOULD HAVE AN OPPORTUNITY TO CHANGE THEIR MIND. THE ONLINE SERVICE PROVIDED A MESSAGE, WHICH READ " UNABLE TO PROCESS A CREDIT LIMIT INCREASE VIA ONLINE '', SO I ASSUMED THE CREDIT LIMIT REQUEST WAS NULLIFIED OR CANCELLED UNTIL I RECIEVED A LETTER FROM SYNCHRONY BANK INDICATING " MY CREDIT LINE INCREASE WAS RECEIVED AND DENIED ''. I AM NOT REFUTING THE DENIAL, ONLY THE CREDIT INQUIRY ON MY XXXX REPORT, WHICH I DID NOT CONSENT TO BY WAY OF CHECK MARK, INITIALS, OR ANY OTHER METHOD.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. Account opened XX/XX/2019 for {$810.00} U.S.C section A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without written instructions
Consumer complaint received 2023-04-26
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

EXPERIAN clearly has no respect for congress or its laws. In response to complain number XXXX EXPERIAN claims they reached out to the alleged data furnisher and verified inaccurate information on an account labeled XXXX XXXX XXXX on my consumer report. THIS WAS A BLANTANT LIE AND HAS CAUSED ME DAMAGE. I have proof in the attached screenshots that EXPERIAN did not perform a proper reinvestigation of this account because my most recent consumer report shows this account has not been updated since XX/XX/2018. How did you verify? How did you reinvestigate?
Consumer complaint received 2016-09-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (CA)

I am having a problem with Synchrony Bank. I saw that they are reporting an account with JCPenny on my credit reports. I have written to them multiple times asking them for evidence bearing my signature that shows I have or ever had a contractual obligation to Synchrony Bank or JCPenny. I have not received anything that I requested and it is still being listed on my credit report from all XXXX of the Credit Reporting Agencies.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-04-26
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (MD)

This has began to be a problem. I am in an XXXX XXXX and XXXX XXXX XXXX XXXX, they call me. I was not sure, what type of company they were, and their shady practices are questionable. I thought it was a transportation company. I called back and asked, what kind of company they were. I thought it was my counselor from the Veterans ' Affairs, but it was this company called Transworld. Upon calling back, they refuse to give me any information about their business, but as the have called my number they are asking to give them my personal information. What kind of business calls and asks the person who calls back for personal information, but attempts to put the caller to coerce to obtain information from them without telling them what kind of business they are? I am assuming it is a collection agency- the person on the phone said to me : " If you tell me your name, I can look you up, then I can tell you what this is about ''. Me asking him again and again, what kind of business it is, because I simply would like to know, there are tons of scammers out there, who are attempting to scam XXXX XXXX. It was absolutely unnecessary and rude not to give me their information, as I do not know, who these people are and they call me from different numbers. They are called Transworld, so I have not looked them up yet, I am not sure, why they keep on calling during my work hours, which is me being in school on my phone and refuse to give me their name of their business nature or the nature of their call. I do not have a problem communication over my phone, but I do have a problem, that these people call me and refuse to identify themselves, when I call them back. I was in a meeting today, and they called me again! I am unable to answer the phone during meetings, but they called me up to three times a day. 
This feels like a form of extortion, trying to coerce the caller to give out information. I do not volunteer such information, they have called me to begin with and need to tell me the nature of their business. 
I just want them to stop calling me, as they refuse to tell me who they are and are coercive trying to extract information. Even though I blocked their phone numbers, they find a way around it, to call me. 
Thank you.