davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-10
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OK)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2016-09-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

I originated a Mortgage Loan with XXXX XXXX XXXX in XXXX XXXX, filed for Bankruptcy in XXXX XXXX, and the loan was discharged. The lien survived and was attached to the property. XXXX XXXX XXXX has been reporting inaccurately on my credit report, they are reporting Date Reported XXXX XXXX, this has to change to reflect the Bankruptcy Discharge of XXXX XXXX. I have attempted to resolve this issue for over a year and nothing has been changed. The inaccuracy has been effecting my credit and have not been able to obtain better credit offers.
Consumer complaint received 2016-09-09
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (FL)

Recently I had received an electronic notice of an insufficient fund fee. When I logged in to manage the account I noticed that there were actually XXXX fees charged, however, after looking through the charges and when transactions had posted to my account only XXXX fee was understandably applied to the account. I called Chase and spoke with a woman by the name of XXXX XXXX who seemed to have a bad attitude so I immediately asked for a supervisor to feel more comfortable expressing my concerns as opposed to feeling like I would have to potentially argue with someone about my frustration. I then spoke with a gentleman and explained how XXXX of the charges were covered by money I transferred from another account and that literally left my account at a XXXX balance. I then received an insufficient fund fee to the account due to a valid charge that took place of XXXX causing the account to be overdrawn. I asked why XXXX fees were charged instead of XXXX and he explained that although my two smaller payments were already pending and reflected in the available balance that they take the larger transaction and apply any " available '' money in the account to that transaction first. Because of this, I was charged XXXX insufficient fees rather than just XXXX. I am so disgusted with this type of procedure. It is bad business and a way to make an already expensive fee an even greater one with each fee being XXXX dollars. I ca n't even begin to review my past transactions to see how much money Chase has received from me through these fees. I would often just pay them as I blamed myself for these fees being applied due to my own negligence. Now knowing how this process works I wonder how much it has truly cost me.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information
Consumer complaint received 2017-05-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: REGIONS FINANCIAL CORPORATION (FL)

Regions Bank failed to honor the terms and conditions of a recent sign up bonus for a checking account. According to the offer promotional code  (  XXXX  ) , by   XX/XX/XXXX ,  I was required to open any new  LifeGreen Checking u sing the promo code. In exchange, I would receive a bonus of {$400.00} when I completed the following : Make 10 purchases with a  Regions  Visa C heckcard   (  must post within 60 days of account opening ) Enroll in Online Statements through Online Banking ( within 60 days of account opening ) Moreover, the terms of the offer stated : The offer is available only to the person who has registered and is non-transferable. ( this is the same language in the previous offer, which was not targeted, so theres no reason to believe this is targeted ).   {$400.00} bonus offer may not be combined with any other offer, does not apply if you have or had a Regions checking account on or afte r  XX/XX/XXXX , o nly applies to personal  LifeGreen checking acc ounts To earn this bonus, you must meet all requirements of the offer described above within 60 days of opening your new account. If earned, the bonus will be issued within 120 days of meeting these requirements, and will be in the form of a credit to the new checking account, which must be open at the time the credit is issued.   All  LifeGreen checking acc ounts require a {$50.00} minimum opening deposit.   The only checking account with a n APY is LifeGreen Preferred. No interest is paid on other LifeGreen checking ac counts.   For accounts opened in Iowa, certain account fees are subject to Iow a State Tax of 6  %, which will be assessed at the time the fee is charged, unless exempt. Taxes are the responsibility of the recipient.   Regions associates are not eligible.     I opened my account on   XX/XX/XXXX ,  and I completed all terms and conditions that I could. However, Regions Bank never sent my debit card to my registered address which prohibited me from completing t he 10 tra nsactions requirement. Regions states they sent the card, but I repeatedly told them I did not receive the debit card. I was repeatedly assured it would come. My address is valid and I regularly receive mail at the address.     Eventually at my own suggestion I requested Regions Bank send the card to a local branch so I could pick it up. I did, but wanted to confirm I could still complete the offer. I was told no, that the time had passed.     I requested the time frame be reset so i could complete the promotional terms. I was told no.     I was unable to complete the promotion due to Regions ' failing to ensure receipt of the debit card. My incessant requests for the debit card shows I intended to complete the terms and conditions. The fault is the Regions Bank, not mine.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (OH)

I had my student loans with XXXX XXXX at first then Navient took over. My student loan went from about XXXX to now {$37000.00} plus. I could not afford even the IBR payment at the time and had to keep my loan in forbearance. I would call and tell them that I could not afford the payment and they would not help me telling me there was nothing more they could do for me. Then 2 years ago when student loan forgiveness was in the forefront I called to see if I was eligible and now I have my loans with XXXX. I struggled months and months of making payments to XXXX/Navient. I was wondering if I would be eligible for any monies if Navient has to pay a fine and would give students back monies for their scary practices? I will never get my student loan paid off but I am eligible for loan forgiveness in 10 years because I work for a XXXX through the Public Service Loan Forgiveness program What is unfair is I have made many months of payments to XXXX XXXX and when I found a way to be able to get my loan bought from XXXX I had to start over making payments that would have counted for student loan forgiveness 10 years of payments. XXXX XXXX was not very helpful when I asked them for help when my loan was with them. I know I accured many late payments because of trying to stay current on my loan with them. Any help would be appreciated.
Consumer complaint received 2017-11-21
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. (MA)

Prior to XXXX XXXX, 2017 I reached a settlement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for an account held by XXXX XXXX. I received a letter of satisfaction for the settlement and have asked that my credit report be updated to reflect this is no longer derogatory. Twice I have requested this and both times I received a report in the mail stating the information is accurate and will remain on my credit report. I have contacted both companies, XXXX assures me this account is settled and closed and that they did in fact notify XXXX XXXX twice. Any time that I have called XXXX XXXX they refer me to XXXX. I am getting nothing more than the run around and it is very frustrating.
Consumer complaint received 2017-11-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MI)

I applied for PSLF and selected my preferred plan ( and only plan that I wanted to be placed in ) as PAYE. This was in XXXX 2017. I submitted all of the required documentation. I had not heard anything for over a month. Then I submitted a consolidation application. After that, I had a payment that became due ( after my grace period ) for XXXX on the standard repayment plan ( for over {$2000.00} ). I chatted with a rep at XXXX, who said that my consolidation application is what put me in the standard repayment plan, and that I should delete my consolidation application to be put in PAYE in time for my  payment due date. So I did that. 

Then I still remained in the same standard repyament plan, owing over {$2000.00}. I then received an email that I was not in a good repayment plan for PSLF as I would have nothing forgiven ( if I continued to pay in the standard repayment plan ). So I called XXXX to discuss in person, and this time they told me that when I deleted my consolidation application ( as I was instructed to do, because I was told it placed me in the standard repayment plan ), that my PAYE request was deleted ( even though I had applied for PAYE separately and months prior to my consolidation application ). 

So they told me that they now have to re-process my application for PAYE. I still have a payment posted for over {$2000.00} on XXXX ( in one week ). But they told me to just ignore that and not pay it, as once my application is complete it will un-do the previous payment that was required, and that they do n't report people for deliquency until 90 days, and that my app will be complete by then so I will not have to worry.
Consumer complaint received 2016-08-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Credit Karma (FL)

XXXX / XXXX XXXX = XXXX/XXXX/XXXX ( XXXX/XXXX/XXXX ) ( XXXX/XXXX/XXXX ) XXXX XXXX XXXX/XXXX/XXXX ( XXXX/XXXX/XXXX ) ( XXXX/XXXX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX : XXXX D.O. B : XXXX/XXXX/XXXX ( XXXX/XXXX/XXXX ) I paid into XXXX XXXX over XXXX and all the rest of my bills I paid in over XXXX Tell me how am I supposed to live if I ca n't use the credit cards to buy enough for me to make it from one week to the other without my credit score dropping back now under poor. I am ready to say XXXX all the credit cards and just live, because the more I pay the lower my credit score get. On top of that you are giving out my person information without my permission and having all these collection agency calling my phone using up my minutes. Before I started trying to straighten out my credit Because they had me mixed up with someone else, I did n't get all the harassing phone calls. Now they call hours of the day and night, and even on the weekend. They refused to remove any hospital bills that have not replied back to them in 90 days they just bound them from on collection agency to another. So this is and knows winning battle. There I will cease in paying any bills because you drop my score by XXXX to XXXX point each time and when you bring it back up it always by XXXX point. Which do n't help me at all? If anyone else is having this problems make sure you post it for everyone to see the un-fairs dealing you have with all XXXX Collection Agency. They bound them back from XXXX agency to the other causing you nothing but pain. 

This is drive up my score, that is the reason a lot of consumer do n't pay their bills, because the more they try and work with these collection agency, the harder they make it for anyone to want to pay a bill by bounding them back and forward, stressing you out. I want them to stop given out my person information without my permission, driving up my cell phone bill to make the cell phone company happier. 
Collections XXXX XXXX XXXX provided by &
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

Subject : Request for Validation of Debt - XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX I am writing in response to an alleged debt associated with account number [ Account Name and Number ]. I am requesting validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g. 


I dispute the validity of this debt and am immediately requesting that you provide the following information : The ORIGINAL contract binding me to this so-called debt. 
The PAYMENT HISTORY with the original creditor and balance. 
Copy of PROOF OF DEBT ASSIGNMENT. 
Proof that I legally owe this debt to YOUR agency. 
Proof that you are licensed and able to collect on this debt in my state. 

THIS IS NOT ANY DEBT THAT I ORIGINATED MYSELF. I HAVE NO IDEA WHERE THIS DEBT ORIGINATED FROM. 

This inaccurate information needs to be re-investigated immediately by both the Credit reporting agencies and the furnishers of this information that is appearing on my consumer report. 

Pursuant to 15 USC 1681e ( b ), A credit reporting agency must maintain accurate records at all times within the files of consumers.

Pursuant to 15 USC 1681i, please perform an internal re-investigation on the validity of this account in question that is showing up on your consumer report under my name, and notify me of your results within 30 days of your receipt of this letter and update my credit report accordingly to your findings. 

If you are unable to provide proof of my requests, then the erroneous information MUST be DELETED within 30 days of your receipt of this letter from my credit report as this erroneous account is very misleading and not mine. This account is causing me great mental anguish and I am unable to obtain a mortgage at this present time due to this inaccurate information on my credit report.
Consumer complaint received 2015-04-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (TX)

I have contacted equifax to see what is going on with my credit and they would provide me any information because my phone number did not match the XXXX on file an i want to get this resolved an dispute all the items on my credit report because they are not mine and the credit bureau is not helping me.
Consumer complaint received 2016-12-23
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: AES/PHEAA (CA)

XXXX XXXX from Law office of XXXX XXXX XXXX called me at XXXX today. XXXX XXXX asked me if I intend to make payments on the loan I owe. I explained that since I have records of only XXXX loan being signed I had requested from XXXX XXXX, the representative at their law firm, proof of the XXXX loan. XXXX XXXX proceeded then to threaten that they would enact the judgement against me, even though I 've repeatedly tried to get proof of this XXXX loan that they insist I owe them. He harassed me by belittling everything I said and when I told him I could pay about {$100.00} a month he said, " Ha, you want me to do all the leg work for $ XXXX/mo that will take you 18 years to pay ''. I explained over and over again that I wanted to work with them but I 'm in a financially bad situation. Over and over again he made me feel scared about what they could do to me. I told him that I did n't want to speak to him any further and that I wanted to speak either to XXXX XXXX or the lawyer on my case, XXXX XXXX. He then said, " do n't you hang up on me ''. My husband and mom who were listening to the whole entire conversation were shocked and my husband kept saying hang up, but I did n't, even when I was physically shaking and crying. This was by far one of the scariest and traumatizing collection calls I 've ever had. XXXX XXXX has been rude to me in the past, but never like this. Thank you for your time.
Consumer complaint received 2016-09-09
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SYNCHRONY FINANCIAL (IL)

on XX/XX/XXXX I received pre-stamped court summons from XXXX XXXX XXXX XXXX, court documents signed with a stamp dated XX/XX/XXXX while I was at work. My boyfriend 's son received the unsealed document, exposing the nature of the debt as well as the amount outstanding. I 'm being summoned to appear in court on XX/XX/XXXX and pay the balance in full as well as court costs. 

I have made attempts to settle the balance with the creditor in the past however they have refused my payments. I 'm concerned that my personal information has been exposed.
Consumer complaint received 2017-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (FL)

I had a charge on my XXXX XXXX card from a vendor I was unaware of. I may have approved charges in the past but I did not approve the vendor to post the charge in question on this card. 

All of my Barclay cards were set to auto pay except this card which was rarely used. A subsequent late fee, interest charge was placed on the account. I called and spoke to a rep who understood the situation as I was overseas at the time this happened. The rep from Barclay told me the following would be done : late fee removed, interest removed and any notation on my credit report that I was late or delinquent with any payments. The rep advised me that this would be cleared by early XXXX My credit report still shows the delinquent late payment. I called on XXXX and spoke to operator LASTME ( Escalation agent ) who was not cooperative. He stated that he would not remove the late fee notation on my account.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Entrata Inc. (GA)

On XX/XX/year> I was denied for an apartment due to XXXX XXXX. I HAVE NEVER HAD DEALINGS WITH THIS COMPANY. THEREFORE IM CONFUSED ON WHAT THEY COULD BE REPORTING OR PROVIDING PROPERTIES ABOUT ME.
Consumer complaint received 2017-03-22
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Navient Solutions, LLC. (NY)

I was at work when my co-worker called me into his office to hand me his phone. It was a woman from Navient asking my coworker about me. I took the phone from him and she came off screaming at me telling me that if I do n't pay my student loan I will go to jail and that I owed {$26000.00} I need to payment I do n't have any more time to pay I took all the time I need already. I was so embarrass that I gave her my phone number to call back so I talk to her outside my job. When I spoke to her she was nasty phone after work she told me I need to pay or she will garnish my pay and I need to give a check today for {$6000.00} and she will see what she can do after that. I was so scared I call and got transfer over to Navient letting me believed it was real. I call XXXX because I did not believe that my loan was with this company Navient. She told me I need to go borrowed from my husband, parents, friends and my employer to pay the loan back. I ask if I can me an agreement to send {$1500.00} first and then send payments of {$500.00} each for several months I went on my XXXX XXXX account I never saw the payment posted to my account and that put me in even more trouble owing more.. I called XXXX again and each time I got Navient. This women also had my mom 's phone number and call me mother to get payment from her.
Consumer complaint received 2017-06-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: BlueChip Financial (IA)

I recieved an installment loan from spot loan. I lost my job and not beem able the pay a lafy by yhe name of XXXX XXXX who said she was a CPA with XXXX calling om behalf of spot loam has beem calling friends and family members discussing my debt and telling my friends amd family memebers that they will suspend my registration for my vehicle are they allowed yo discuss my information?
Consumer complaint received 2017-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (MD)

I had settlement with prevouse debt collection to pay portion of amount and my account will be closed. I do n't remember the exact amount, approximately it was {$230.00} out of {$500.00} approximately. This happened around 7 years. But they keep transferring my account to other debt collectors.   I contacted the phone company and said I do not own anything. It 's affecting my  credit score  for price I paid. I need it to be removed from my credit report.   Thank you.