davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Delta Management Associates, Inc. (MA)

I XXXX XXXX am being pressured by a number of collection agencies that state they have a right to an administrative garnishment against my wages. Administrative garnishments can only be procured by the United States Government, period. My student loans are privately owned, and these private debt collectors are disguising themselves as collectors of federal debts that are private only. I have been harassed at my work and home with threatening phone calls, all in violation of my rights with the Fair Debt Collection Practices Act. I demand to know what entities own my student loan debts. 
I DEMAND A CEASE & DESIST ON ALL COMMUNICATIONS OUTSIDE OF WRITTEN CORRESPONDENCE!!! 
I DEMAND A COMPLETE FORENSICS REVIEW ON THE CHAIN OF OWNERSHIP OF MY STUDENT LOANS!!! 
I DEMAND A FULL REVIEW OF EXISTING STUDENT LOANS FOR A CONSIDERATION OF CONSOLIDATION!!! 
There must be a court order on any private debt, which would require a summons and complaint and an actual judgment. That is the actual protocol with my student loan situation.
Consumer complaint received 2017-11-18
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. (CA)

On or about XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX someone with an intercepted copy of my California  Driver License was able to pay cash at the Federal Bankruptcy Court Clerk window to file three skeleton chapter XXXX cases without ever listing a single creditor. As I was not aware of the filings I never completed the documentation necessary and each was Dismissed and Closed without any creditors even notified. I was having financial difficulties at the time and would have utilized the filings to fix my status but as they were not filed by me I was unaware. 

I disputed this information with the three major Credit Reporting Agencies who of course violated the FCRA by not validating my concerns with the original credit furnisher but rather a third party not involved with this dispute. I was then recently told by law enforcement to file an affidavit with the Federal Trade Commission as a victim of identity theft during this non sensible event. 

XXXX XXXX XXXX XXXX case numbers XXXX, XXXX and XXXX are all completely bogus. No dollar amounts, nobody benefitted and only I have been harmed. I also had a direct conversation with the Clerk of the Court who stated he has never had a Credit Reporting Agency call to validate a case and that his court would never do that with a third party either. Please contact XXXX XXXX at XXXX as the Clerk to verify this info.
Consumer complaint received 2016-10-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (AR)

I have tried requesting my cosigner to be released multiple times with no success. XXXX. I do n't want this to XXXX her in her last days nor do I want my loan to default at the time of.hwr death and to overshadow my mourning of her. Please help me I want to pay my loans monthly but I do n't want her to fear the loss of.her social security due to me being late on payments when/if that happens. I 'm begging for any help you can provide. My credit is horrible by the way so refinancing is really not an option
Consumer complaint received 2017-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Bread Financial Holdings, Inc. (WA)

In the early morning hours of Wednesday, XXXX XXXX I was shopping on XXXX. I decided to purchase a small item. When XXXX brought up the payment page, I had the options to 1. buy & pay using my normal paypal account 2. buying and then paying with Paypal Credit , which I do not have. 

I checked the latter box by mistake. I remember a pop-up that stated if you pay for an item with " paypal credit '' you are basically applying for a paypal line of credit. I did not want that, so backed out of the purchase. On my XXXX account there is no record of purchasing the item. 

On my paypal account, it immediately showed that I now had a line of credit of {$7500.00} with paypal. I emailed paypal and told them I did not initiate this account and would they please close it. 

The next day I received an automated email response from paypal, which did not address my concern. So I call paypal. They did close the account, but in the mean time I was alerted by XXXX XXXX of an inquiry on my credit ( note : this happened after paypal 'gave ' me the line of credit ). I told the customer service rep that I wanted that inquiry removed as I did not authorize any of this. They said they would not do that as this is not a fraud. Well I think this is fraud as I never applied for this line, let alone authorized them to check my credit. 

The companies involved are : XXXX XXXX  Bank/PayPal Credit.
Consumer complaint received 2017-11-17
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. (OH)

XX/XX/XXXX an application was put in XXXX XXXX XXXX, by my husband, with me as co-applicant. Without my permission to use my name and social security number. Also on XX/XX/XXXX these other companies were contacted. 
2.XXXX XXXX 3.XXXX XXXX 4.XXXX 4. XXXX 5.XXXX XXXX XXXX 6.XXXX 7.XXXX XXXX XXXX ON XX/XX/XXXX XXXX XXXX. ALSO ON XX/XX/XXXX AND XX/XX/XXXX XXXX XXXX AND XXXX XXXX all of these businesses said I was an co-applicant on the applications with my husband being the primary applicant
Consumer complaint received 2017-11-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CO)

As of XXXX, XXXX, XXXX has been taking money out of our Wells Fargo Checking account without our authorization. They have done this XXXX times, sometimes bi-monthly for about a total of {$1300.00} as reported to me by Wells Fargo. 
I contacted Wells Fargo on XXXX XXXX, XXXX to report this unauthorized withdrawal. I contacted the fraud department as instructed. The woman from Wells told me that we would not be liable for these charges. She said that Wells Fargo would cover this for us. She did a search to see the history of the charges and found that XXXX was at times taking {$29.00} BI-MONTHLY FROM OUR ACCOUNT. She then transferred me to another person on the fraud unit. I had thought that I was already talking to the fraud unit. The case number that she gave me was XXXX. The fraud unit Representative the told me that there is a statue of limitations and they may only go back XXXX months. He implied that we were at fault for not reporting this sooner. He said that it would take about XXXX business days to get a reply from Wells Fargo and that we may or my not get our money reimbursed and that if it was, it could be taken away. He said it could take from XXXX days to process this. He said a lot of research goes into this. We may get a provisional credit or temporary credit but it can be taken away..He then transferred me to his supervisor after I told him that we were not responsible.I told him that I did not know if what he told me about the statue of limitations is legal. The supervisor came on, and she said that she could not hear me and ended the call, whereupon I had to call back and deal with another person who then told me I had to answer several questions which I did answer. I asked her to please email me the questions that I had answered so that I could have that for my records. I have not received that information. 
I hope that you can help me with this as I do not know what my rights are with Wells Fargo.
Consumer complaint received 2017-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MO)

XXXX handed all my data over to an unknown third- party ( hackers ) ... .the want me to enroll in some monitoring service but what safeguards to that being compromised? What I want is access to my CREDIT SCORE 24/7 ... if hackers get it for free I want it for free to ... that info belongs to me and they will still make money selling that info to others -- -but it is me -- -my info ... .I was never asked if I wanted them to collect share or sell it ....
Consumer complaint received 2017-11-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (MO)

Dear sir or Madam : I bank with Chase. I have XXXX credit cards, a savings account, and a checking account active with Chase Bank. I have been a member of Chase Bank since XXXX. I like having my accounts all in XXXX location, so I decided to use Chase to finance an auto-loan. Technically, this was a refinance because I purchased my previously leased vehicle. 

The facts are as follows : - I leased a vehicle - The lease term ended in XXXX XXXX, at which point I decided to use Chase Auto Financing to finance the purchase of my vehicle. 
- I financed the vehicle on XXXX XXXX, XXXX. 
- Chase incorrectly calculated the sales tax of the vehicle - Chase sent title documents to XXXX XXXX, MO in XXXX XXXX - Chase failed to provide me the appropriate amount of sales tax on the vehicle, so the title documents were not processed. 
- I called chase to determine where my title documents were numerous times. Chase punted me around to numerous departments before finally telling me that my title documents were not processed because they incorrectly calculated the sales tax on my vehicle. 
- I did not receive the title documents until XXXX XXXX, XXXX months after I financed my vehicle. 
- Chase caused me to violate numerous Missouri laws and jeopardize my car insurance coverage by their failure to properly process the title of my vehicle. 

As a result of the continuous errors with Chase Auto Financing, I have spent an unquantifiable amount of time dealing with this situation. If you pull the logs and calls that I have made, it accounts for what I can imagine is over 6 hours of communication, just with Chase, not counting the calls I have made to the local licensing office and the Department of Revenue. I first received notice that I owed more money for sales tax, again in XXXX XXXX, Missouri, where I do not live on XXXX XXXX, XXXX. This was over XXXX months after I financed the vehicle. 

Further, I have been assessed a tax penalty for failing to declare personal property by XXXX XXXX, XXXX in the amount of {$44.00} by the XXXX of XXXX XXXX, Missouri. I expect that this amount will be paid by Chase.
Consumer complaint received 2017-02-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This information is incorrect pleas remove it asap DEROGATORY PUBLIC RECORD OR COLLECTION FILED Your credit report shows a derogatory public record ( such as a bankruptcy, foreclosure, civil judgement or tax lien ) or collection which is generally more risky to lenders. Note : A satisfied public record or paid collection will remain on your credit report for 7-10 years 2. TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN Missed and late payments ( delinquencies ), including the number of late payments, how late they were, and how recently they occurred, are an important part of your FICO ( R ) Credit Score. Your credit report shows recent missed and/or late payments with creditors.
Consumer complaint received 2017-09-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TX)

1. Put me in forbearance for delinquency when no payments have been missed or late 2. Redesignated lump sum payments to paid ahead purposefully made in not paid ahead status with a permanent do not pay ahead selected on account prior to lump sum payments 3. Combined loans into single payment when asked before and I elected to keep two separate pay dates 4. Cancelled current contracted pay as you earn program for 12th month ( XXXX 2017 ) because of recalculating payment under a new plan and telling me for the 12th payment I either have to be placed in forbearance for delinquency status or pay the standard payment for the month of XXXX and that the payment would not qualify under my Public Service Loan Repayment program. Would not allow for contracted income driven repayment plan final payment amount to apply.
Consumer complaint received 2017-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Account has been open since XX/XX/XXXX. Account started reporting to all 3 credit bureaus as being closed 2 months after XX/XX/XXXX when my checking account had Charged Off because of a negative balance. My credit card was placed on a block until my Charge Off was paid for the checking account. My credit score went from XXXX to XXXX due to this matter at that time. They stop reporting that my account was open and as well they had taken away XX/XX/XXXX& XX/XX/XXXX months of payment history from my credit reports then later put the information back on my credit report which was at least 6 months later when the Charge Off was paid. I regularly made payments on the account even though my access to my credit card was blocked. They kept stating that my account was still open and it should n't be reporting as closed, but someone within the financial institution was giving bad information to all 3 credit bureaus.
Consumer complaint received 2024-10-22
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: EQUIFAX, INC. (FL)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2016-06-08
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (GA)

XX/XX/2016 I applied for a loan with Paramount Residential Mortgage Group based out of XXXX, Ga. I was mislead in thinking that my loan would be approved by the local loan officer. He kept informing me that we will close your loan. With his confidence, I put money down on a home, paid for an inspection and an appraisal. To my dismay about six days before the projected close date on the contract, he pulls the plug and gives a denial. I feel that an act of detrimental reliance has occurred. I lost money based on his advice.
Consumer complaint received 2024-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX  XXXX XXXX Balance : {$1000.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX  XXXX Balance : {$1300.00} CXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith.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  - Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. XXXX Better XXXX XXXX. XXXX State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency.
Consumer complaint received 2017-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

Credit dispute was filed with Experian XX/XX/XXXX involving reporting by XXXX XXXX. Debt was paid in full XX/XX/XXXX receipts and proof of payment, plus court documents were furnished to Experian on date of dispute filing. On dispute outcome creditor still reported debt unpaid as of XX/XX/XXXX even though supporting documentation was provided to both credit agency ( Experian ) and creditor ( XXXX XXXX ). Inaccurate information allowed to remain even with supporting documentation.
Consumer complaint received 2017-11-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: American Credit Bureau, Inc. (FL)

The doctors office charged me for procedures that were paid for that were done by specialists. XXXX paid them and another office for same procedure. also took my co pay in cash stated they would email receipt. I contacted XXXX legal department on this office and also XXXX XXXX. I also contacted there billing office for XXXX XXXX XXXX. They continue to be rude and ruin my credit. I stopped goinmg to them after wrong medication and billing issues. This has been the 6 collection company that wont stop calling and threatens me. XXXX legal dept is working on this care. Iam XXXX with XXXX XXXX and other XXXX and am ununable to get financing for procedures that will save my quality of life cause of this collection opn my credit bureau and the time it has taken for XXXX to fix it.
Consumer complaint received 2017-12-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (PA)

Chase bank would not accept payment by credit or debit card for an overdrafted checking account, and refused to close the account until money was either sent or transferred. Meanwhile, negative debt was accruing due to fees, so the amount of money transferred was never enough due to accrueing debt from vendors mistakenly trying to debit the account despite being told not not, and chases own penalties for negative accounts. I have been trying to close this account for a month. Chase told me to go to a branch ( I have moved to a state with no chase branches ), or to transfer extra money which they will refund later. Neither is acceptable. I have credit and debit cards and money and wish to close my account but they refuse to accept payment.
Consumer complaint received 2017-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc. (IL)

They have been asked repeatly for the last 18 months to produce a signed credit appl, a loan repayment or loan document that has my signature they can not because I never signed one removal of account and XXXX damages for failing to comply with FDCRA