davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Rosen Management Services Inc. (ID)

The debt through XXXX is paid and has never been sold.The payments were not going to that company. The XXXX payment went to Rosen Management and the second payment went XXXX XXXX which cell phone accessories. They continue to call and harass me for more money. I have disputes in about the XXXX payments with XXXX.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have asked the company to remove these addresses from my credit report because I do not live there. They refuse to do so, and these addresses are fraudulent. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-03-15
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I opened a chaecking account with bank of america. I had a loss of income and asked the bank to cancel my debit card out. They did not and they continued to allow a fraudlant charge to continue on my account resulting in fees. They closed my account bc of the XXXX in over drawn fees. They labeled my account as FRAUD. I have thus paid the matter. I am not able to open a checking account any where bc of teh FRAUD on my account. Can you help with me getting is removed?
Consumer complaint received 2024-11-13
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. (TN)

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-11-13
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. (TX)

I have submitted a dispute to you and i didn't get a response within 30 days and ya 'll are required by law to do so. Please investigates my disputes, Please. Thank you.
Consumer complaint received 2016-04-01
Product: Credit card — 
Issue: Billing statement — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I have called customer service numerous times at XXXX on XXXX XXXX and got people in XXXX that lack SERIOUS training. I was on the phone for over an hour spoke to XXXX # XXXX along with his supervisor XXXX XXXX and both of them were not able to explain to me how my monthly payments were being allocated. I am not in the banking business but to me this is very basic information that should be provided to the customer. Furthermore they stated for me to look at my billing statement to obtain the information I was inquiring about, which by the way I did and it is not there! As a customer I have every right to know this information and no one is able to assist me. I proceeded to go to the nearest branch on XXXX XXXX dealt with a XXXX XXXX, Manager thinking I was going to get my answers and once again was forwarded to the same phone number. Furthermore the branch does not deal with any credit card issues!! It is very frustrating and upsetting that I have spent hours trying to get this information and not getting anywhere. I hope this compliant gets resolved as I will proceed to look into it further having this issue resolved because as I am looking into my statements there are missing monies that I have been paying that are not posted to my account. I now have a suspicion that HSBC is stealing my money especially since absolutely no one in this bank can explain how are ALL my monies being allocated. All I want is to pay off this card as they continue to raise my APR more than I think is even legal. I am requesting in writing where I agreed to this the constant APR increase and to make matters worse I want to know why I have XXXX balances with XXXX different APR 's? I have had credit cards for over 20 years and I have never experienced such thing. How are my payments being allocated? Is this business practice even legal. Additionally, when I inquire with the HSBC branch they can not even understand why this is happening to my account, when I ask you customer service people in XXXX they can not even give me a straight answer!! This is VERY BAD BUSINESS!!!! I also spoke to XXXX # XXXX and his supervisor XXXX yesterday at XXXX spent my whole lunch hour and did not achieve anything on XXXX XXXX.
Consumer complaint received 2024-11-13
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-20
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. (TX)

I am deeply concerned about the inaccuracies I have found on my credit report. Upon review, I noticed several items that are either incorrect or unverifiable. These errors must be corrected or removed in compliance with the Fair Credit Reporting Act ( FCRA ). 

I request that you promptly investigate the disputed information and take action to ensure my credit report is 100 % accurate. For your reference, I have attached a copy of my credit report. 

I expect a timely response and a corrected report once the investigation is complete.
Consumer complaint received 2016-04-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (DC)

This complaint is about a Navient practice. I have contacted Navient directly and was told that my individual problem would be resolved, but the larger practice needs to be stopped. I have been making the same automatic debit payment for several years on my student loans. This month, my statement said the amount due was {$300.00} less than it normally is. I was given no notice of this change, and I did not request this change. If I had not been paying attention, I would have started making smaller payments, therefore owing Navient much more over time. When I contacted them, they said " the system '' automatically recalculated my debit payments. Now that I am getting close to paying off my loans, the system calculates payments to keep me paying longer and therefore owing more interest on more payments? With no notice? This is an extremely deceitful practice. My personal situation should be remedied for the next month ( but only after having a month where I could n't change it, even if I can make my own additional payments ). Consumers need to know that this is happening and to pay attention to their statements. I also do not understand how this can be done without my consent and without notice that it was happening. It feels like a trick to get borrowers to owe more by quietly changing automatic payments that borrowers are n't thinking about because they are automatic. Luckily, I always check statements and review my bank account.
Consumer complaint received 2024-11-13
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 am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.
Consumer complaint received 2016-04-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CT)

Over the last year I have filed several disputes, XXXX of them are listed above but there has been many more. I have attached a letter from XXXX which I have submitted several times, this stated XXXX will remove this inquiry, but has not done so. The next issue is relative to XXXX XXXX XXXX case # XXXX for an amount of {$2600.00} which was as a result of XXXX bills from a car accident. This was paid in full, I understand rulings from last year, state satisfied Medical Judgements should be removed from my credit report
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CT)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 
XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (KY)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I submitting this request to inform that I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXXXXXX 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2016-04-01
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NC)

I have been searching for assists for a loan modification from Wells Fargo or a hold off on a sell date of my home so that Wells Fargo can review my income and expensive to try and get a modification on the loan. I was denied in XX/XX/XXXX, and was waiting to receive my tax refund to pay the amount to make my mortgage current after finding out I was denied. When going into an local branch to make the payment, I found out that I could not make the payment because I was supposedly three days late. With receiving a raise in pay and modifying my bills I believed I would quilify for a new loan modification and was told by a Well Fargo Rep what to send in. I did just that and on XXXX/XXXX/2016 I faxed all the documents that was asked. I was also told by the Rep that the review would only take 24 hours. Then after not hearing anything in the 24 hours, I called and then was told by another Rep that it could take 72 hours. But their could be a decision made later that day. After not hearing anything again I then called back and was told everything should be ok and I should receive an answer because I had all the information in by XX/XX/XXXX. Not hearing from Wells Fargo continued and I had to keep calling to try and get an update. I call today XX/XX/XXXX. And was told because my foreclosure date is Monday XX/XX/XXXX that they did n't have time to review my loan modification.
Consumer complaint received 2016-04-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Protection Association, L.P. (OK)

Credit Protection Association has placed a collections item on my credit report. Original Creditor is listed as XXXX XXXX, amount of {$140.00}. Date opened listed as XX/XX/2015. I do not have XXXX XXXX. This is affecting my credit rating negatively and I would like it removed from my credit report.
Consumer complaint received 2016-04-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACCESS GROUP INC. (AL)

I have had extreme difficulties paying back my private student loans. Access Group will send emails to me saying to call they can help and options, when in fact they have no options. Access Group put XXXX of loans in default, even though there was no technical default ( meaning the accounts were not XXXX past due ). Most recently, I was 177 days past due. I went to make a payment so as not to default, but Access Group and " suspended activity '' on the account, making it appear that it was impossible for me to make a payment. They did it on a Friday, so that if I had tried to pay over the weekend, my accounts would, in fact, have gone into default. I was finally able to make a payment, I consider these unfair practices and fraud.
Consumer complaint received 2016-04-01
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Professional Claims Bureau, Inc. (NY)

This business has called my job twice after I specifically asked them not to. 

These people also refuse to reveal who they are when they call. When they call they do not leave a message and just hang up. I am being harrased,
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information includes : Account name : XXXX XXXX XXXX XXXX Account balance : {$6700.00} When account was opened : XX/XX/XXXX Account name : XXXX XXXX Account balance : {$350.00} When account was opened : XX/XX/XXXX Account name : XXXX XXXX XXXX Account balance : {$320.00} When account was opened : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Account balance : {$520.00} When account was opened : XX/XX/XXXX Account name : XXXX XXXXXXXX XXXX Account balance : {$1300.00} When account was opened : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries, charge offs and fraudulent collections appearing on my consumer FICO credit report. I've attached the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, # XXXX, and # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

Account XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-11-13
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-04-01
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc. (FL)

on XXXX XXXX, 2016 i went to chrysller XXXX XXXX on XXXX XXXX in XXXX to look at XXXX spoke with XXXX we looked a cars he said i can get you in this car i said not this car said lets see if you can get approved he had me sigh paperwork i came back and said your approved i said not for that car he said yes i said thats not what you told me i walked away wentt outside he allong with the finance manager followed me outside said you have to take the car its in your name and the insurance is on it you have to take it i said no he said by law you have to take it i dont have any financial information on the car they didnt give me a copy of anything i signed i was told i shoulld have gotten a copy of truth and leading i got nothing but your loan has been submitted i told them i need to speak with a manager that had me talk with XXXX who told me too bad you brought a car i said i dont want it he said i willl have it towed to your house walked out asked for a manager XXXX said he was the manager of the whole place walk AWAY FROM HIM CALLED XXXX ON MY CELL PHONE MY SALES GUY XXXX ANSwered and i heard XXXX in the back ground say i dont want to talk to her i hung up spoke with someone name XXXX who told me i should talk with XXXX i told him i allready did he said he cant help me he say he shold have been able to help me because thats who i need to talk with. i have contacted chysler capital because they are on my credit repore and XXXX chysler said you sign you have a car i said if you have the loan i want to cancel she said cant help you the lady at XXXX said the loan should have been cancelled and they want no for three weeks if they approved the loan. i was bullied and tricked into signing this paper work i need help what can i do i have no paperwork from the dealer or anything the car was left at the dealership
Consumer complaint received 2016-01-21
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Zarzaur and Schwartz, PC (AL)

I was sent an agreement to reduce garnishment withholding but the amount I owe was n't on the notice. When I called the rep could n't give me the exact amount of what I owe and break down did n't add up.
Consumer complaint received 2016-04-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NJ)

My house was foreclosed on after I moved out. The mortgage company was Ocwen Servicing. They have never recorded the deed and they have it on my credit as being behind AFTER it was foreclosed. I need to get this record corrected. I looked the property up online and that is where I got the date of XX/XX/2013 when the deed was transferred. I want proof of when the deed transferred back to the bank and no one is giving it to me.