davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-28
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)

On XXXX XXXX I request for my credit report and after receiving it I saw collections XXXX XXXX asset, medical data system, and XXXX XXXX XXXX XXXX my report I had no idea who they were, so I start sending out letters to Experian XXXX XXXX, and XXXX XXXX On XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, XXXX, i sent certified letters and after a week i was getting emails stating that they verified that the account was mine but not once did they send me any document showing where my signature was on any document. I know that they did n't have the proof because the other two agencies took them off and had they prove it to them they would not have remove them as I requested. I was wondering how in less than 5 days that you verified to Experian but not the other two. I also sent a letter to the agency asking for debt validation and have not received anything from them but they continue reporting these items on my report. I have ask Experian who did they verify this with and what document they had with my signature on it and all I get is that it was verified and to send me a copy. If they can complete the investigation within 5 days why have n't gotten the document sent to me
Consumer complaint received 2024-11-04
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. (AZ)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these lists of inquiries removed from my credit report.
Consumer complaint received 2017-10-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe (CA)

I am aware of how much they deduct from me Until I start noticing why my balance is still the same amount like it goes in circles, never ending payments. After I pay {$440.00} something dollars on due date, after a week before the next due date my balance is going up again the same from the last time I paid. The interest is so high so I did call a toll free number to verify if this company licensed, and to my surprise an agent said the company is not licensed at all. I am from California, the amount I borrowed was {$500.00}, at first the pay back amount was {$170.00} dollars every two weeks, 20 times, as it was stated on the agreement. Then after I paid my very first payment, there 's an option ontheir website called " loan up '', where u can borrow again but less than to what u first borrowed, and did that few times until the agreement change from {$170.00} to {$440.00}. My main concern is is this legal In California? The interest is so ridiculous high. And it is not licensed. I dobtk ow what to do anymore.
Consumer complaint received 2017-10-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (FL)

This is a complaint against XXXX XXXX XXXX XXXX XXXX. I am victim of identity theft, I have no idea what this is. This was opened without my authorization, using my identity. This account used my social security without my knowledge of authorization meaning its fraud.
Consumer complaint received 2017-10-29
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: EQUIFAX, INC. (FL)

This is a complaint against Equifax XXXX XXXX XXXX XXXX XXXX. I am a victim of identity theft the personnel department XXXX has blocked access to my credit report, I have more than a year trying to fix this situation and they do not do anything they arrange nothing, when you call them on the phone they say they are not available and that they call you back and I am waiting for you until today. 
It is a platform of obsolete workers, they stayed in the past in terms of solutions and above that they do not fix anything, they violate the federal law of credit. When a citizen has negative accounts and is a victim of identity theft and has a report, these accounts must be eliminated from the credit bureau in the next 5 days. On the other hand I can not make disputes via online because they have blocked access. what kind of credit bureau is this that does not work. I 'm already going for more than 2 years with this problem. Dispute staff and fraud department staff are poorly educated and do not help you find a solution.
Consumer complaint received 2017-10-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

Nissan Motor Acceptance Corporation rewrote my loan in XXXX XXXX. I had to send my signed contract and payment to them by XXXX XXXX, XXXX. I did as directed. XXXX XXXX I was getting calls from collections saying I owe a past due of XXXX and I was told my loan was not rewritten. After speaking to XXXX different people it was determined that my contract was thrown out cause I sent it with the money order. But the contract told me to do so. I was then sent a new contract and had to return it by XXXX XXXX, XXXX with my XXXX payment. I did so even though they started the contract from XXXX instead of XXXX. Now I 'm being told that I have late charges and balance due since XXXX XXXX. XXXX has also reported me late since XXXX when I 've been on time based on the contract. I called the company 4 times in the last XXXX weeks. XXXX mamager said she will call me in XXXX hours after research is done, I was a week and was another XXXX kept me on hold for XXXX + min and no one called me back yet.
Consumer complaint received 2017-10-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH (IL)

XXXX switched to a new website on the weekend of XXXX XXXX. 

The first problem I had with this transition was that XXXX set a temporary password on my account for the new website. This temporary password was the last XXXX of my XXXX. Not an acceptable level of security. 

The second problem I had with this transition was that I receievd notification of the transition too late to log in to the old website and get the statements I had not yet downloaded. I figured this would not be a problem because I could download them from the new website. This is not the case. They did not move statements to the new system. 

I sent an email on the new website to request the statements, but never received a response. I then called on XXXX/XXXX/XXXX at XXXX. I spoke to a woman but did not get her name. She said that I would need to pay XXXX per statement because they had all been archived. She also said she would not be able to help me with this. 

I later called again at XXXX on the same day. I spoke with a XXXX. He said that I needed to send an email on the website to get my statements. I explained to him that I had already done this. I sent a second request after the call. 

The third issue I had with the transition is that there is no option for closing the account. I mentioned this to XXXX when I was on the phone with him. He mentioned that if I send and email that I want to close the account and withdraw all the money I will not be charged any fees. There is no verification of this that I can find, so I am concerned that they will charge me a fee.
Consumer complaint received 2017-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 

Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 

Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
Consumer complaint received 2017-10-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Designed Receivable Solutions, Inc. (CA)

This XXXX debt was issue incorrectly as a results of extreme mess in the paper work in the office internal XXXX information, and added as an extra service wich one has been not provided for me because luck of XXXX. Is not true because I have XXXX PLUS XXXX + XXXX and this service never change since I 'm on XXXX. 
They overcharge me XXXX wanted to XXXX me off, but I always had insurance and I will NOT  pay this XXXX amount. 
I already also contact XXXX regarding that incident back from XXXX. I also never has been threated in XXXX - XXXX XXXX XXXX and I never go there after this incident. 
Please make investigation.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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.

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 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2017-10-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: TRANSWORLD SYSTEMS INC (LA)

Around approx XXXX I consolidated all of my student loans. I started having financial problems and became delinquent and in XXXX filed for bankruptcy. Through my entire bankruptcy, I was not contacted. After my bankruptcy was finalized in XXXX, I was excited to be able to reclaim my credit. I immediately called the XXXX Student Loan XXXX and set up my payments at the full amount of XXXX}. I started paying on time and then lost my job in XXXX of XXXX. I requested and was granted the deferment. I knew that I would restart the payments when I got a new job. Just a XXXX or XXXX later I started receiving calls saying that I owed for my student loans. I told them that I had just been granted a deferment and they said that they did n't do deferments. I was confused and asked more questions and found out that there had been a private student loan that was not consolidated in my payments and the company who identified themselves at XXXX XXXX XXXX and by XXXX. I told them that I did n't understand and that all my loans had been consolidated. They assured me that they had n't and that I would have to pay the entire balance immediately, which was somewhere around XXXX. I told them there was no way because I had just lost my job. They called me every day for the next few days. They finally said that if I made a good faith payment that they could stop calling me for a month. I made the payment over the phone while I was driving to a job interview. I have not been answering their calls anymore. I need help finding out if this loan is my loan and if it is possible to add it into the consolidation that I have with my other loans. Could you please help? I lost my job on XXXX of this past week and am again looking for a new position. The XXXX of not having a job just adds to the collection phone calls. Since my bankruptcy, I have been able to pay all of my bills except this XXXX and I have been able to maintain rebuilding my good credit. This worries me that it 's going to set my credit record back again, just when I was beginning to see progress.
Consumer complaint received 2017-10-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

I have two major issues : 1. Despite numerous attempts to consolidate all my loans under one company, I have been unable to do so. 

I have {$270000.00XXXX under Navient ; and three separate loans for {$24000.00} under Nelnet and one for {$3400.00} under Debt Collection.  The reason I did not originally include these other loans under Navient initially is that I was advised by a Navient customer service representative that these loans would not qualify for an Income-Driven Payment Plan request once the consolidation was completed. I was later told by a separate customer service representative that this was not correct information. At any rate, I am unable to modify the consolidation to included these items and the separate payments I am being requested to pay is going to be very XXXX over time. 

2. Navient 's determination that I am able to make 9 payments of {$1500.00}, 124 payment of {$2700.00} and 9 payment of {$1700.00} from XXXX until XXXX is incredibly unrealistic and will lead me to bankruptcy. 

Despite numerous attempts to select a reasonable monthly payment of approximately XXXX XXXX monthly given my income and financial obligation -- the payment schedule they send me does not truly take into account my REAL discretionary income. Their definition for discretionary income is income which exceed 150 % of the poverty guidelines. In XXXX the poverty level for a family of three is {$37000.00}. If you multiply this number by 150 % they are saying that I have approximately {$58000.00} in discretionary income given that my gross salary is {$100000.00} annually or {$4800.00} per month. So totally, not the case.
My net pay per month is {$4700.00}.
My monthly expenses are approximately {$4100.0XXXX. See below : XXXX XXXX {$2400.00} XXXX XXXX {$70.00} XXXX {$280.00}  XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$140.00} XXXX {$280.00} XXXX {$160.00} XXXX XXXX XXXX {$70.00} XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX {$72.00} XXXX XXXX XXXX 1 {$100.00} HXXXX XXXX XXXX 2 {$25.00} Total XXXX These two items are taken from my gross income XXXX XXXX XXXX$410.00} XXXX XXXX {$73000.00} Total {$5200.00} Please keep in mind that food, gas, car maintenance, etc. are not even included. 

I NEED HELP!!!!! No one at Navient is listening or seems to care. I do not want to file for XXXX but may be headed down that path if I can not get the REPAYE payment plan of {$620.00} per month which was offered when I completed the electronic Income-Driven Payment Plan request.
Consumer complaint received 2018-12-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Recovery Service, Inc. (TN)

This company calls from XXXX, and the caller ID shows it as being from either XXXX XXXX XXXX or XXXX. It is actually National Recovery. I do not have accounts with either XXXX XXXX XXXX or XXXX, and I have asked them to stop calling. They are hiding behind both of the companies to commit fraud. I don't know if the stores know that this company is spoofing their names. 

They call three or four times a day and are blocked on my cell phone.
Consumer complaint received 2017-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I called Transunion and XXXX after receiving notification there were some changes made on my credit report. There almost XXXX inquiries that I do not recognize that are adversely affecting my report. I was told they could not be removed for 7 years.
Consumer complaint received 2017-10-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TENET HEALTHCARE CORPORATION (TX)

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against Syndicated Office Systems. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I 've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I 've suspected for this theft is now XXXX, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2017-10-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (TX)

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against COMMONWEALTH. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I 've completed the proper steps, 1. notify creditors 2. police report 3XXXX informed the state of Texas. The individual I 've suspected for this theft is now XXXX, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2017-10-29
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. (GA)

I have disputed these items XX/XX/XXXX after noticing them on my credit report along with other fraudulent accounts. I disputed this particular item with others XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX correspondence was even sent from XXXX stating they were masking them and deleting. this has not happened to date and keeps coming back as verified. I have sent copy of police report as well and requested the full description of how the investigation and reinvestigations were performed and never have received anything.
Consumer complaint received 2018-07-23
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

This is our second complain against Wells Fargo ( 1st complain # XXXX ). We Recently received a resolution letter from Wells Fargo saying that they are unable to approve us for a modification as per investors guidelines. I called cfpb spoke to XXXX and he stated that a response was received and that I was approved for a modification ; when in fact is not true.
Consumer complaint received 2024-11-03
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. (NY)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2017-10-29
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. (NC)

credit bureau still have not deleted these fraudulant accounts from my file I have filed a affidavit for identity theft sent it in.. why are they so crooked. this is not about making money from the consumers its about helping the consumer coming back from a identity theft. all kinds of FCRA laws have been broken.