davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-18
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. (TX)

I sent letters to XXXX XXXX and Experian asking them to verify and validate XXXX XXXX for two accounts with different balances but the same account number. I was never informed about the debt and didnt ever know that it existed. Both are under account number XXXXxxxx balances of XXXX and XXXX. I was sent a letter that say account were verified but with no proof of documentation that I asked for.
Consumer complaint received 2018-01-18
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: EQUIFAX, INC. (TX)

I sent letters to XXXX Equifax and XXXX asking them to verify and validate XXXX XXXX for two accounts with different balances but the same account number. I was never informed about the debt and didnt ever know that it existed. Both are under account number XXXX balances of XXXX and XXXX. I was sent a letter that say account were verified but with no proof of documentation that I asked for.
Consumer complaint received 2018-01-18
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Trident Asset Management, L.L.C. (FL)

Collector is saying I owe XXXX form XX/XX/XXXX, its XX/XX/XXXX now. Its a balance of {$170.00} and they I have told them I have paid off this amount back in XX/XX/XXXX, they keep calling and saying need to pay, I need to pay.
Consumer complaint received 2018-01-18
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One put credit inquiries on my report on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. I did not authorize these inquiries. I sent them a letter disputing these inquiries and was sent back a generic response that inquiries are a matter of record and it would n't be removed. I did not authorize these inquiries and I would like them removed from my report.
Consumer complaint received 2018-01-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (NC)

Identity Theft/ Mail Fraud filing ; homeowners ' not in foreclosure ( XXXX ). 
NC DOJ # XXXX XXXX - Citibank ( 2 ) Accounts - Debt placement and amount confirmation
Consumer complaint received 2018-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent letters to TransUnion XXXX and XXXX asking them to verify and validate XXXX XXXX for two accounts with different balances but the same account number. I was never informed about the debt and didnt ever know that it existed. Both are under account number XXXX balances of XXXX and XXXX. I was sent a letter that say account were verified but with no proof of documentation that I asked for.
Consumer complaint received 2018-01-18
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (TX)

I have been called 2 - 4 times daily, including weekends by Transworld Systems since XXXX XXXX. They refuse to talk to me unless I confirm my information is correct. I told them, you called me, I do not know who you are and refuse to give you any information. They immediately become aggressive, and tell me they will not remove my phone number without first confirming my information and that if I want anything from them then I have to confirm my information. They refuse to remove my phone number or send me correspondence through writing unless I confirm my information and I refuse! They leave and empty voicemail, which fills my voicemail box before the end of the week. I can not delete them quick enough and have missed numerous important calls because my voicemail box is full from there blank messages. They continue calling from different numbers starting with XXXX. Several have claimed to have already contacted me via writing, I have no idea what they are calling for as they refuse to tell me unless again I confirm my information. If they have contacted me via writing, then they know my information and do not need me to confirm it. I believe this an attempt to collect a debt from XXXX XXXX XXXX XXXX XXXX, whom has already told me that I have no debt.
Consumer complaint received 2018-01-18
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: SYNCHRONY FINANCIAL (CO)

On Wednesday, XX/XX/XXXX I spoke with the XXXX department with XXXX. They indicated that an individual applied for a credit card with XXXX and used my name, XXXX XXXX, and my land line phone #, XXXX, and my previous address, XXXX XXXX XXXX XXXX, XXXX, XXXX, CO XXXX to apply for a credit card. The fraudulent information that was submitted was a wrong DL # and wrong SS #. Due to my conversation with the gal with XXXX XXXX Department ( XXXX ) the person who tried to get a credit card, their application was denied due to the fraudulent information provided. I am still very concerned about this, however. The credit inquiry on my Credit Report will remain for 90 days per the gal with XXXX. There is now a Fraud Alert with them as well as on my credit reports with all the Credit Bureaus. I did the Fraud Alert with the credit bureaus just about one hour ago. It 's now XXXX XXXX MT. There are a couple of other credit inquiries on my Credit report : XXXX XXXX XXXX XXXX  on XX/XX/XXXX & XXXX XXXX on XX/XX/XXXX that are also Fraudulent. The one with XXXX, I previously reported in XX/XX/XXXX.  However, it still remains on my credit report and should have been removed after 90 day. Since I reported it, and it still is there, WHY? Thank you for all your attention in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXXXXXXXXXX
Consumer complaint received 2018-01-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (GA)

XXXX XXXX, XXXX written request to validate debt sent certified mail directly to XXXX XXXX XXXX. As of today, XXXX XXXX, XXXX I have not received written documentation to validate such debt. Furthermore, I have submitted 3 times already a dispute with EQUIFAX this same information and keep being told to make contact with XXXX XXXX XXXX. I have done so and XXXX XXXX XXXX has failed to validate this debt in a timely manner. 
EQUIFAX states that this collection agency has supplied information confirming this debt belongs to me but has failed to provide me with said information. 
EQUIFAX states 'Notice to Consumers- " You may request a description of the procedure used to determine the accuracy and the completeness of the information.. '' I HAVE BEEN DENIED THIS INFORMATION IN ALL 3 DISPUTES SUBMITTED TO EQUIFAX. 
The collection agency has failed to validate this debt and I have been treated unfairly by the credit bureau in reference to this debt.
Consumer complaint received 2018-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (FL)

AES/XXXX XXXX is reporting wrong information on my credit report. 
XXXX and XXXX and XXXX have two different open date when the account begin. 
How can one account open on two different day.
Consumer complaint received 2018-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (OH)

I paid my bill by check on XXXX. Payment was credited once on my statement, but debited electronically from my checking account twice ( XXXX ). On XXXX, my checking account was credited XXXX. That would have been the end of it, but then XXXX presented the actual paper check on XXXX. Repeated calls to XXXX to check my transactions were met with " we do not show a transaction for XXXX at all on XXXX. '' I spent many hours with XXXX bank trying to straighten out what appeared to be their error. Corporate XXXX was of little assistance, as they gave little or no details, just kept saying I had to straighten it out with the merchant. Once my local bankers explained how payments are processed ( electronically vs. paper ), I could see it was XXXX that was the problem. Each time I call Comenity I get a different person. On XXXX XXXX XXXX XXXX told me to have XXXX fax over supporting documents and request that my account be credited for XXXX. I immediately had that accomplished, and heard nothing. One document that XXXX provided showed the two debits to my account on XXXX and two credits the same day. The second credit did not go through, as indicated by an icon next to it. XXXX XXXX XXXX on XXXX said that XXXX was requesting " unedited '' bank statements. Her comment was " What do they need that for, this is cut and dried. We owe you XXXX. '' She said that with the weekend and the XXXX holiday, it might take until XXXX to get it fixed. Today, XXXX, I get 2 envelopes from XXXX, both containing the exact same letter requesting unedited bank statements. Is n't that odd? They duplicated the letters just like they duplicated taking money out of my account! I called XXXX again at XXXX XXXX. I believe it was XXXX this time. After explaining the whole saga again, he said this was above his level, please hold for a supervisor. After several minutes, he came on again to let me know he was n't ignoring me, just waiting for a supervisor to pick up. Back on hold for a minute and then the call was cut off. I do n't know if XXXX was hacked, but them sending my paper check through 5 weeks after receiving it seems scammy. I have been exceedingly patient up until this point, but have spent WAY too many hours of my precious personal time taking care of and being upset by their incompetence, let alone being lied to. I was fortunate enough to have had a buffer in my account or this would be worse. I now need that buffer money to pay bills.
Consumer complaint received 2024-10-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: PNC Bank N.A. (NJ)

Hello, On XX/XX/XXXX I opened a fixed rate home equity loan with PNC Bank XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
Each and every month since inception I had the minimum monthly payment automatically deducted from my PNC checking account. No months missed or late. In addition to the minimum payment I have made additional principal payments using PNC online services. 
It has recently come to my attention PNC has been deducting interest from my additional principal payments. I called them and they exactly told me, " the computer does not understand additional principal payments and therefore interest was taken from the extra payment even though the minimum monthly payment had already been satisfied. '' I have been making extra payments for 4 years but PNC will only provide me with 2 years worth of history and refused to fix the problem in full and offered to fix only the past 3 months. 

My loan has no pre-payment penalties, I am allowed to make extra payments and expect if i make an extra payment that 100 % of that goes directly to the loan principal. I am attaching a XXXX document downloaded from PNC which details the payments sent. Unfortunately PNC will not provide history older than XX/XX/XXXX while the loan has been in place since XXXX. 

PNC can not demonstrate any additional service or goods provided in order to be able to charge interest twice in the same month. The process they have in place is grossly a consumer ripoff and I also put forth the executives of PNC are aware of this process of double charging interest and knowingly allow it to happen. I have been a XXXX XXXX for XXXX years and know PNC can very easily program their mainframes to understand additional principal payments they choose not to correct this issue because while broken increases profit. Furthermore to have procedures in place to refuse to fix the problem at the customers request and only offer to fix 3 months of payments is an additional tactic to ripoff borrowers and increase profit. 

No legitimate reason has been provided why PNC is allowed to charge interest twice in the same month for the same loan even after the minimum monthly payment has been satisfied.
Consumer complaint received 2018-01-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

The school attended was University XXXX XXXX XXXX campus ( online ) and I was not given the option to obtain a federal loan. The University XXXX XXXX XXXX campus only offered XXXX XXXX ( Navient ) loans and I was under the belief that in order to obtain a XXXX  degree that I would have to take out a loan from XXXX XXXX ( Navient ). There was no other option outside of not going to school. I am questioning whether XXXX XXXX ( Navient ) and University XXXX XXXX have a business relationship in which students are strong armed into applying for a XXXX XXXX loan ( Navient ) because there are no other options. 

My second issue is the high interest rate that XXXX XXXX charges ; my payments are directed to my interest and not my balance so at that rate I will never remotely pay off my student loans. I will also question XXXX XXXX ( Navient ) payment policy. I have contacted Navient in order to try to work out a settlement or a way to relieve the burden and they are unwilling to assist me in anyway. That is why I am not filing a complaint.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2024-10-29
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. (GA)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2018-01-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC (PA)

In XXXX XXXX, Capio Partners took over two charges from medical bills when they were unfortunately missed due to an overabundance of medical bills for a procedure and a XXXX that I had been receiving. I never received written notice of the change to Capio Partners from the original creditor, and when I requested written confirmation from Capio, they refused, telling me they were unable to provide that. I mentioned that I needed to see that before paying and was told that if I did n't pay the full amount that they would report it immediately to the credit bureaus and never remove it, no matter if I paid or not. I was also told that they could find additional amounts to place on my report if I did not comply and pay the full amount. This was in early XXXX. I asked again for written proof and did not receive for either account in collections. Sure enough, by XXXX, the two accounts were added to my credit report. I called again in late XXXX and was told that even if I paid the debts, they would not remove them because they already offered me the chance to pay and I refused, which was not the case. They continue to call me 4 times a day, often before XXXX. Every so often, I answer and most recently asked for written confirmation of the debt in XXXX and was again told that they would not provide that to me.
Consumer complaint received 2018-01-18
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. ()

I enrolled both of my XXXX XXXX accounts with XXXX XXXX XXXX XXXX to begin getting myself out of debt in XXXX XXXX. Both accounts were current and I was advised by my counselor to stop making payments, as they would be made on my behalf through XXXX. {$150.00} and {$66.00} respectively were paid to the accounts in both XXXX, XXXX and XXXX ( proof attached ). The amount paid to XXXX did not cover the full XXXX XXXX payment, and this resulted in a late status being posted to my credit reports for XXXX, XXXX and XXXX. I was informed by XXXX XXXX and by XXXX that the accounts would " re-age '' in XXXX and that the late status for those three months would be removed from my report. This has not occurred. I would like for the late payment status to be removed for the months of XXXX, XXXX and XXXX for both accounts.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

This account has a first late payments XX/XX/2021 which I need a detailed report for this month that shows the balance, scheduled payment, amount paid and amount due to verify the inaccuracy. I recently received one report from you but it does not have the information I requested mentioned above, that is not what I am asking for. I attach the report that I do not want to be sent again. I demand one as detailed above that you must send. I am within my rights to be provided with this proof since this affects my credit. otherwise this must be removed from my Account XXXX XXXX # XXXX ( CLOSED )
Consumer complaint received 2018-01-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Mercedes Benz Financial Services (CA)

I purchased a vehicle that was financed through Mercedes Benz Financial, in XX/XX/XXXX. I had some financial difficulty and filed for Bankruptcy that was discharged in XX/XX/XXXX. Mercedes Benz Financial never sent reaffirmation paperwork and stayed in constant contact, for 11 months after the discharge. I was receiving billing statements and phone calls, and since I had never filed for bankruptcy in the past, I had assumed that since I had informed the courts that I was going to maintain the auto loan, this was normal operating procedure. Thirteen months after the discharge, I received a repossession notice from Mercedes Benz Financial and worked out a deal with them, to pay a months payment, and have an additional months rolled to the back of the loan. I made the payment and assumed that all was well. The next day, I received a phone call from a very rude representative at Mercedes Benz, who told me that they were not honoring the deal. I informed her, that the collection of the funds, was an acceptance of the deal and that any differentiation would be a legal misrepresentation. She threatened to have my car repossessed. I spoke to another representative that finally agreed to honor the deal, and she informed me that I was no longer receiving billing statements, due to my " recent '' bankruptcy. She informed me that according to their records, my discharge was XX/XX/XXXX, a full 13 months after the actual date. I also informed her that I never received any reaffirmation paperwork, and was told erroneously, that I was to receive all the documentation from my attorney. He confirmed that the information was incorrect, and should have come from Mercedes. I continued to pay off my loan. Now, it 's is XX/XX/XXXX a full 10 years after the purchase of the vehicle. I contacted Mercedes Benz for a payoff, 3 years ago, and they had trouble finding the loan. I was told I would be called back, which I never was, so I contacted them again the next day. I was told a bloated amount, thousands more than my records. I have had the car for the past 3-4 years and have not made any payments. The bank, has made no attempts to collect, but I have not received a title for the vehicle. I want to file a complaint against MBFS and have the title sent to me, asap. The original, used vehicle loan, is over 10 years old! Thank you for your time.