davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (DE)

Below is one of many communication sent to XXXX in which I outline my concerns. 

I am writing to request an itemized listing of my eligible payments for PSLF from XX/XX/XXXX to present. I recently received a denied PSLF application listing ineligible number of payments as the reason for the denial, which I feel is error. 

My last payment list XX/XX/XXXX online in detail 62 eligible payments while requested to have additional payments researched. A request that wasn't fulfilled until the submission of my request for forgiveness application was submitted. And since which I have made almost 36 more payments that haven't been accounted for on the letter I received today XX/XX/XXXX. Please either have a supervisor contact me or someone with contact information for the Department Education that can assist in reviewing my account because I have had very little success with your company as a loan servicer. 

Thank you, XXXX XXXX
Consumer complaint received 2017-06-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (VA)

Someone who always responded to the cfpb through the United States Department of Treasury had never mentioned  XXXX  on the response letter which always showed some signs of forged power of attorney. Someone always claimed to be a senior corresponden t specialist. What a specialist? As a reminder, the answer to the complaint portal questionaire " Should we send status updates to anyone else about this complaint? '' is no. But I noticed that a diversion trick is in place which already disparaged the server to " Yes ''. I suspect foul play at the US senate intelligence committee or USDOJ or another intelligence agency which is rigging unidentified interest by evasion. And again., " I do not  think so ''.
Consumer complaint received 2017-06-12
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: Experian Information Solutions Inc. (GA)

In  XXXX  there was a vehicle loan taken out through  XXXX   XXXX  that involves my name and my data birth I 'm not sure if the other identifying factors are associated with it it appears on my credit report I have tried on a number of occasions monthly since  XXXX  when I found out about this vehicle loan to get it removed and find out information about it I have yet to receive any information from  XXXX   XXXX
Consumer complaint received 2017-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Violated HIPPA law on a d ebt that is not mine. They keep selling my information to different collection agencies after credit agencies delete them. They hindering my score to buy a house for my family and I. I do n't have a contract with them. There is no way they are validating a debt from a company that is not real.
Consumer complaint received 2017-06-10
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. (SC)

I found out XXXX 2015 that i was a victim of id theft. I contacted all bureaus and the IRS to inform them of the fraud. Both XXXX and XXXX have cleared me of all credit cards that were fraudulently open. Equifax is the only company that continues to deny my request. They continue to report a XXXX card that i never had. I have sent numerous amounts of dispute which all included copies of my Id and SS card to prove my identity. I have also had numerous conversations with the company informing them that i am the XXXX generation, and the birth date and address that are associated with the fraudulent cards all seem to represent my father 's info with my social. The year that the cards were open i was a minor and was n't even aware nor was i old enough to establish credit.I am tried of fighting this with equifax. please help me with this because it has been going on too long.
Consumer complaint received 2017-06-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (OH)

BigPictureLoans set me up with a loan for {$200.00} starting on  XX/XX/XXXX . This loan should have been paid off in a few months but instead it has accrued from  XX/XX/XXXX  payment of {$120.00}, to  XX/XX/XXXX  payment of {$120.00}, to  XX/XX/XXXX , payment of {$120.00}, to  XX/XX/XXXX  payment of {$120.00}, to  XX/XX/XXXX  payment of {$120.00}, to to  XX/XX/XXXX  payment of {$170.00}. This shows that I have already overpaid them an amount of {$800.00} with a balance of {$300.00} to pay this loan off. This will put me at at least {$1100.00} if I pay the full {$300.00} that they show me still owing. I absolutely know that I should not have to pay anywhere near {$1100.00} for a loan of {$200.00}. This is  Extortion, Gouging o r just a plain old Scam. I definitely need help with this scam/matter to get the extra money back that they have overcharged me if I can be helped in this manner. Please give me a call if you would care to do so at  XXXX  /home-line  or  XXXX  /cell-phone..  You can also contact me by e-mail at  XXXX    XXXX   XXXX   XXXX   My name is  XXXX   XXXX   XXXX . my address is  XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX  Ohio,  XXXX . The original name of this company  is Redrock Tribal Lending, LL C d/b/a CastlePayday.com but changed to BigPictureLoans I will send copies of my online checking accout statements from   XXXX . to  the present time
Consumer complaint received 2017-06-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (CA)

This company stated in response to my dispute on  XXXX  -2017 that t hey do n't have information for me in their system. I provided everything shown on my report as far as account number as again this company has not sent anything in the mail regarding this so called debt. I will not provide my social as using the partial account number and name should bring up something. Since they admitted they ca n't find me they need to remove from my credit reports.
Consumer complaint received 2017-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I paid my credit card balance of {$16.00} balance with Bank of America by the due date. However after i was charged a {$1.00}. With no explanation as to why i was charged this by the bank. I paid the full balance by the due date. According to FCRA the law states interest shall be imposed on the remaining balance after the due date.
Consumer complaint received 2017-06-12
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: Santander Consumer USA Holdings Inc. (GA)

In XXXX there was a vehicle loan taken out through Santander USA that involves my name and my data birth I 'm not sure if the other identifying factors are associated with it it appears on my credit report I have tried on a number of occasions monthly since XXXX when I found out about this vehicle loan to get it removed and find out information about it I have yet to receive any information from Santander USA
Consumer complaint received 2017-06-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (WA)

I 've been working with  Ditech re garding loss mitigation options, I have been submitting all documentation requested on time and following up for updates 3 times a week. Since  XXXX   XXXX ,   XXXX   I have not been able to receive a call back from my Point of Contact   XXXX  . Numerous voicemails have not been returned and when calling Ditech to speak with anyone, they all direct me to her voicemail leaving it impossible to receive an update on my status that I have been working so long on.
Consumer complaint received 2017-06-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

XX/XX/XXXX   Contacted Capital One  to dispute the payments. Was not aware of this credit card and informed them that I did not apply nor receive the credit card  XX/XX/XXXX  Received letter from Capital One indicating the investigation determine that I was responsible for the balance of the credit card and demanded the payment due of {$9900.00}  XX/XX/XXXX  Received a demand letter threating to send this file to a lawyer due to non-payment (  5 pa yments past due )  XX/XX/XXXX  Received letter demanding minimum payment of {$1700.00} and stating they could send to collection  XX/XX/XXXX  Received letter agreeing for monthly payment of {$110.00}  XX/XX/XXXX  Sent a certified mail to Capital One disputing the decision that was made in  XX/XX/XXXX  and for not providing evidence that I had applied for the credit card. During that time I had loss my husband and was not in the right frame of mind to make any financial decision.    XX/XX/XXXX  Received letter fro m Capital One as accou nt was charged off and assigned to Recoveries Dept.    XX/XX/XXXX  Received letter via  XXXX   XXXX  threatening Legal actions
Consumer complaint received 2017-06-10
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. (NY)

I  XXXX   XXXX  file this complaint against  XXXX   XXXX   XXXX  as I have tried on several occasions to amend a wrongful credit reporting process that is 100 % untruthful. My student loans were in deferment until  XXXX   XXXX . At no time was I in a payment plan until  XXXX . However,  XXXX  reports my payment history as follows during deferment :  XXXX   XXXX  60 DAYS LATE NEVER A 30 DAY LATE  XXXX   XXXX  60 DAYS LATE NEVER A 30 DAY LATE  XXXX   XXXX  60 DAYS LATE NEVER A 30 DAY LATE  XXXX   XXXX  60 DAYS LATE NEVER A 30 DAY LATE  XXXX   XXXX  90 DAYS LATE  XXXX   XXXX   XXXX  120 DAYS LATE These late payments are highly destructive to my credit reports, even though my payment history has been perfect since I took the loan out of deferment.  XXXX   XXXX   XXXX  has to clean up these wrongful credit reports, and remove all past payment history up to  XXXX   XXXX .   This is a national problem collection agencies have with privatized student loan reporting, and the CFPB should support the recent investigations by the Federal Trade Commission to take sanctions and levy fines for Fair Debt Collection Practices Act and Fair Credit Reporting Act violations against companies such as  XXXX   XXXX   XXXX .
Consumer complaint received 2017-06-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I am languished by a horrible process. I suspect program and/or transaction error. It is very difficult for me to tell if it is whether excessively unfair government and/or lenders or creditors or a specific government agency which always declined my personal loan or credit applications  XXXX  for years to come. What really is the deal?
Consumer complaint received 2017-06-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Stanislaus Credit Control Service, Inc. (CA)

I was  XXXX   in  XX/XX/XXXX  and  XX/XX/XXXX . The b ill that was not paid is from  XXXX   XXXX   XXXX . I have called them and told them the bill needed to be sent directly to my insurance company,  XXXX . I gave them the insurance address and phone number to claims. My insurance paid all other bills. Instead of  XXXX  sending the bill to my insurance, they chose to refer to a collection company.  Stanislaus Credit  control service I have sent certified mail to all involved. My latest contact with my insurance company said they will pay the entire bill.   In the mean time the collection agency has destroyed my credit report.
Consumer complaint received 2017-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (CA)

I opened a business line of credit with Chase after receiving their solicitation for such many years ago. After receiving the first statement with {$150.00} fee, I decided I did n't want it because of the annual {$150.00} fee and the high interest rate. The account has never been used and I 've tried on several occasions to close it. I thought they had closed it, but now after several years, they are refusing to close the account until I pay them {$750.00} in fees they 've racked up, and my branch manager told me they are going to keep it active and will keep accumulating the annual fees until I pay the fees they have already assessed. This feels very illegal, basically locking me into a product I do n't want so that they can continue to extort annual fees.
Consumer complaint received 2017-06-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTECH DIVERSIFIED, INC. (TX)

I disputed the collection through  XXXX  originally. The collections were removed from the report. Approxima tely 30-45 days la ter it was really reported to all   XXXX   credit agencies,  XXXX ,   XXXX   and  XXXX  after obtaining information from  XXXX . It is illegal to attempt to col kk ectopic after an item has been removed for violation of the fcra. I want this removed and the company dealt with appropriately.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I looked over my credit report and found some addresses and name that appear to be incorrect and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure max possible accuracy of the information concerning the individual about whom the report relates XXXX Trans Union XXXX continues to report name, addresses incorrect on my credit report.
Consumer complaint received 2019-02-16
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. (AL)

I checked my credit report the other day because i'm trying to get me a XXXX XXXX and I notice a couple of items on my credit report that are not mine. I need these items deleted from my credrt report because they are not mine. XXXX, XXXX XXXX, XXXX XXXX. I reached out to the FTC and my local police. Im doing this on my own behalf. There are also inquires on my report that are not mine as well. XXXX, XXXX NA XXXX/XXXX, XXXX/XXXX, XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I noticed unauthorized collections on my credit report that I would like removed. I called and told them that according to the FCRA section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of original signed consumer contract for all the accounts posted to my credit report. They also stated that I didnt have an open account with them and I have not received anything from XXXX XXXX XXXX XXXX validate this account. I understand according to the FCRA, these unverified and unauthorized items must be removed.
Consumer complaint received 2024-10-26
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. (FL)

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry :
Consumer complaint received 2024-10-27
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. (OH)

I am writing this dispute to Transunion for violating the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ).

I previously disputed an account Santander consumer USA on my credit report, which was found to be inaccurate and subsequently removed. However, this account has been reinserted into my credit report without any notification from transunion within the required five business days.

This action is in direct violation of FCRA Section 611 ( a ) ( 5 ) ( B ), which mandates that consumers must be notified if previously removed information is to be reinserted into their credit report. 
The lack of notification has caused unnecessary stress and potential harm to my credit standing. 
I have already contacted transunion regarding this issue but have not received a satisfactory resolution. Therefore, I am seeking your assistance to ensure that transunion complies with FCRA regulations and corrects this issue immediately. 
Attached are copies of all relevant correspondence, including my initial dispute letter, confirmation of the account 's removal, and my recent dispute regarding the unauthorized reinsertion. 
I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue.
Consumer complaint received 2017-06-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivable Solutions Specialist, Inc. (TN)

I recently checked my credit report and I have discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a contractual agreement with this company and neither have they provided me services nor goods
Consumer complaint received 2024-10-28
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)

I am asking for your assistance with the incorrect account being shown on my credit report. This issue has harmed my reputation as a customer, and I need your help. These accounts should be removed since they are reported inaccurately and negatively.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS
Consumer complaint received 2024-10-27
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. (MD)

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

Account Name : XXXX  # XXXX ; Account Name : XXXX # XXXX ; Account Name : XXXX XXXX # XXXX, Has violated my rights.

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 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.