davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-15
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. (IN)

My credit report has inquiries I don't recognize, I did not give permission to these companies to pull up my credit report. I don't like my rights as a consumer being violated, and it's one of the few things I want to be protected, my life is already stressful as it is.
Consumer complaint received 2024-11-15
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. (GA)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2018-11-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have retained new copies of my credit reports, and noticed that XXXX did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you received on XX/XX/2018 per CFPB. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 

XX/XX/2018 Hello, Thank you for your complaint XXXX about XXXX. We've sent your complaint to the company for their response. 
We will let you know when the company responds. The response should include the steps they took, or will take, in response to your complaint. 
You should receive a status update within the next 15 days. 

Your company responded on XX/XX/2018 and still failed to place a notice to dispute to the credit bureaus.
Consumer complaint received 2018-11-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (AZ)

I am a victim of Identity theft and have file a Identity Theft Report with the FTC and my local Sheriff Department. I have reported my personal information being stole do to my house being broken into. Afterwards I notice accounts on my credit report that don't belong to me. I have never recieved good and services for this company listed belong. 
! 
XXXX XXXX XXXX XXXX This collection is the result of Identity theft. Please Delete Immediately!
Consumer complaint received 2024-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Biehl & Biehl, Inc (OH)

I purchased an item on XXXX in XXXXXXXX XXXX XXXX that was drop shipped from XXXX, the manufacturer. It was free shipping through XXXX, but needed to go by freight. XXXX was used. Either the seller, XXXX, or XXXX mistakenly had the paperwork billing me for the drop shipped item from XXXX. I received a bill from XXXX in XXXXXXXX XXXX XXXX  for the freight costs. I contacted XXXX directly on XX/XX/year> and the issue was considered resolved after i spoke to someone saying that i was mistakenly being billed. A confirmation number of XXXX was provided. However I received a collections notice from Biehl & Biehl on XX/XX/XXXX stating I needed to pay the debt in 45 days. I responded per their written instructions to email supporting documentation. I provided the relevant documentation and who owes the debt. I have emailed them 7 times, 7 days from each previous email, each time requesting confirmation of receipt and status. I have received no response. I would like to attach a PDF of all of these emails. They stated there was a 45 day window for me to pay this debt, which I do not owe. I provided them with just over 45 days to respond out of fairness.
Consumer complaint received 2018-11-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (GA)

I made a payment in full for my outstanding balance due XX/XX/2018 on XX/XX/2018. I made a payment in full for my outstanding balance due to XX/XX/2018 on XX/XX/2018. Each time my balance came to {$0.00} after submitting my payments. Each time my payments were processed well before the due date. 

This morning, XX/XX/2018, I checked my account to discover a balance of {$20.00}, {$10.00} of which marked past due. 
I immediately contacted Navient customer support, who could not identify what happened short of my overpayments were not processed toward the outstanding balance. I made overpayments *in addition to* paying my full monthly balance on time every month. The agent told me she would reallocate funds from a previous overpayment to abolish the overdue charge, but she did not specify from which overpayment she would shuffle the money. I made it clear not to take it from the loan I paid off in full on XX/XX/2018, so now I am waiting to see if that decision was honored. 
The agent guessed this happened as a result of my IDR plan, for which I had been required to reapply for my XXXX payment and which was processed on XX/XX/2018. There was no answer as to why an overdue charge was posted to my account for my XXXX bill ( as well as an additional {$10.00} for my XXXX bill ) the  morning after I had payed my balance in full through XXXX.
Consumer complaint received 2018-11-08
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: American Credit Acceptance, LLC (MO)

Please NEVER use this company to finance anything because they are fraudulent in their servicing and not transparent with their processes. Just to provide context, I will share OUR personal story. 
My husband and I fulfilled the PAYOFF on XX/XX/18 in the amount of {$1200.00} over the phone with their customer service agent. We allowed the time they stated it may take for the title to arrive. 
My husband and I on XX/XX/18 began to question the whereabouts of the title. We called again on XX/XX/18. The agent told me that the title would be expedited and should arrive in 10 business days. She stated we had a balance of nearly {$4.00}, which is impossible if you satisfy a PAYOFF AMOUNT.

After waiting for nearly 20 business days we called again on XX/XX/18. They again stated we had a balance of the same approximate {$4.00}, but also saw that the PAYOFF was satisfied. They stated that it would be 3 business days for the escalation. 
I then called today, and and an agent name XXXX ( who refused to provide her extension or a worker ID ) stated " there was not a response and that we just had to allow more time ''. 
Since I am off of work tomorrow, my 1st order of business is contacting the CFPB and the Attorney General for both South Carolina and Missouri, since it was a wire transfer. 
Do not do business with this place because they will take your money AND hold your title.
Consumer complaint received 2019-08-29
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION (OK)

I received a call and a letter from the XXXX XXXX XXXX, Letting me know that they were going to sue me on a payday loan. I took out this loan back in XX/XX/XXXX/XX/XX/XXXX, and they are claiming that I committed Fraud on them. This statement is not valid, but the main issues are, the debt is over the statute of limitations to collect in the state of Oklahoma, which is the state I took the loan out. XXXX threatens to take me to court, calls all the time and now are telling me that " my case has been noted with malicious intent to commit fraud. '' This company is harassing me, calling me all the time and they are just rude. I try to tell the customer service reps that it's out of the statute of limitation and they yell and call me a thief.
Consumer complaint received 2024-11-15
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. (NJ)

" 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 2018-11-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: CITIZENS FINANCIAL GROUP, INC. (OR)

I am writing for assistance with a private student loan vendor, Citizens Bank. I have two private student loans totaling $ XXXX with high interest rates around 11 %. This results in monthly payments of about $ XXXX that represents over 27 % of my take home pay -- and that is just interest - none of these payments are actually touching principal. 

I reached out to the servicer, XXXX XXXX who offered a 2 month deferral of payments but that the interest continues to accrue. They report the only option is a refinance. But I have exhausted all options for a Refinance. 

Citizen 's Bank tells me I don't qualify to refinance through them, this is probably due to an old bankruptcy from about 2 and a half years ago. I don't have a co-signer available to me either. 

I have called all different parts of Citizen 's bank and they have told me they will not modify the loan terms in any way. I'm told the only time that starts being discussed is once I fall into default. 

I'm trying to be proactive and reach a good solution on these loans without falling into default, but I won't be able to do this for long.
Consumer complaint received 2018-11-07
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: U.S. BANCORP (KY)

I just received a phone call on my work number from a company answering to claims and litigations, aka XXXX XXXX. I never give out my work phone # and these people knew my social and all sorts of information like a legitimate debt collector would know. After being connected to another person who claimed to be a lawyer it became apparent that something was wrong. First, he said i had a US BANK account that discharged in 2014 and that money was owed but i never did and in fact, just recently closed an account with them. I would think they would not have even opened it in the first place if i owed them money. He said something about i committed fraud by using 2 id 's. When i questioned him he shut me up and would not answer any of my questions. I wanted to know what the balance owed was and he shut me up. I asked for an itemized statement of amount owed to be sent to me and he shut me up. He spoke really fast, so fast it was hard to communicate with them. It was almost like a scammer but legitimate debt collectors are just as shady so who knows. I have the company information which called me. XXXX XXXX  they answer to claims and litigation at phone # XXXX they gave me a case # XXXX
Consumer complaint received 2020-05-28
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. (MI)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/scrub>XXXX Subject : Dispute of Inaccurate Late Payment Reporting on Credit Report Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion for my account with XXXX. These late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts, including this account. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, under the FCRA, sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2 mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

Articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively, which provides for damages, including actual damages, attorneys fees, and possible punitive damages for failure to comply with the Acts requirements. 

Summary of the XXXX account errors Incorrect Late Payments : All bureaus report a XXXX late payment, despite on-time autopay setup. 
Inconsistent Account Status : Account is marked " Paid '' but shows late payments, which is contradictory. 
Varying Reporting Dates : Each bureau lists a different " Last Reported '' date. 
Credit Limit Discrepancy : TransUnion and XXXX report a {$250.00} limit, while XXXX inaccurately shows {$0.00}. 
These errors violate FCRA standards, and corrections are needed for accurate reporting. 
Requested Resolution : I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 

I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer.

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Two XXXX  loan accounts from u.s. department of education appeared on my credit report. One is for {$1500.00}, the other {$870.00}. Both created on XX/XX/year>. I am not in XXXX  and my son is in XXXX grade XXXX  so no reason i would have these. I reached out to transunion to file the disputes claiming fraud. I was then advised to fill out a form here.
Consumer complaint received 2024-11-15
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. (FL)

I don't recognize some accounts on my credit report, these accounts are reporting redacted account numbers, I have called each creditor asking for evidence of my application and they tell me they can not send me that information.
Consumer complaint received 2024-11-15
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. (IL)

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX XXXX OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-15
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-11-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Equitable Acceptance Corp (ID)

XX/XX/XXXX I spoke with a representative of Equitable Student Loan Solution and was informed that this company would help in the Student Loan Forgiveness Program. Other family members and I were told that a discount would be applied for those who work with the government. Also, payments of {$49.00} would come out of my account monthly. On XX/XX/XXXX, I was informed by a representative of the Student Loans Processing department at XXXX that I was " not able to cancel out of the program because your contract was approved. '' The paperwork that was completed for the transfer of the student loans is what Equitable said the payment was for, which was transferred to XXXX. XX/XX/XXXX XXXX was paid in full, {$1300.00} ( Subsidized ) and {$1200.00} ( Unsubsidized ). Equitable Acceptance Corporation ( the first company to say payments would be made to them, but considered the third party company ) was paid ( {$1600.00} ) in full on XX/XX/XXXX. If I did not pay Equitable it would ruin my credit according to their employees because the paperwork was processed and I had to pay for the work that was completed by them.
Consumer complaint received 2018-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

I am submitting this claim because I had a Citibank AAdvantage Executive World Elite MasterCard and on the anniversary of my credit card account, Citibank very unethically charged me the {$450.00} annual fee and then closed my account a few days later without notice and without an explanation. 

The Annual Fee includes a host of benefits, including a 1 year membership into the XXXX XXXX XXXX XXXX. Therefore, having been charged the fee, I expect to receive the benefit. 

Counter to any intuition, Citibank canceled my card, canceled the XXXX 's XXXX membership, and refuses to refund the {$450.00}. Therefore, Citibank has been unjustly enriched since I was forced to pay for a benefit I never received. 

I called Citibank Customer Service and they wouldn't help me. So I wrote a letter to the Citibank Executive Response team and they ignored my request to refund the {$450.00}. 

This has prompted me to file this complaint.
Consumer complaint received 2018-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I declared bankruptcy and it was discharged as a Chapter XXXX bankruptcy on XX/XX/XXXX. My Bank of America credit card account was part of that discharge yet they are still reporting to the credit reporting agencies that I am delinquent on that account, over 10 years later. On approx. XX/XX/XXXX, I contacted them by phone and the clerk agreed their records show the account was discharged in my bankruptcy and that she would submit a dispute to hopefully have it removed. I received their response to that dispute, dated XX/XX/XXXX, in the mail. It clearly states the account was discharged during my bankruptcy. And it also clearly states that they are correctly reporting my delinquency and will continue to do so. I called again and spoke to a supervisor, and then to her supervisor. Both stated they could see it was discharged in my bankruptcy and both stated they could only resubmit a dispute to the same department that already refused to fix the mistake. And that their response would probably remain the same. I informed them it is a violation of my rights to continue to report me as delinquent but they said their policy is that they can only resubmit a dispute and were not capable of actually fixing their mistake.
Consumer complaint received 2018-11-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (NY)

I think that this school tried to attack me. 1. I did not qualify for the school. The requirement is a XXXX SAT when I only had a XXXX. 
2. I failed the placement test miserably and got no questions right. 
3. I could not afford first semester and my parents couldnt give me one cent so the school offered to waive some of it so I can start first semester. 
4. The school could not place a hold on the tuition because I had no money to purchase a hold on the tuition so the tuition will not increase each year. 
I think they hurt me by preventing me from city schools or other city assistance. They did not start my first semester in any kind of XXXX level. The school only would give me XXXX XXXX degrees. The school prevented me from increasing my XXXX  levels and did not offer options to gain XXXX skills to reach XXXX levels. The school limited my options towards success forcing me to only pursue XXXX using XXXX XXXX.