davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XX/XX/2020, I discovered that I had become a victim of identity theft. After being denied for a credit card, I checked my credit report and saw several ( 22 in total ) student loans that had been taken out in my name totaling $ XXXX. All of these loans are open and have not been paid on for years resulting in them continually gaining interest. I sent in a letter notifying all 3 credit bureaus that my identity had been used fraudulently, along with a FTC affidavit and a police report but they refused to block the account stating that it was " validated ''. When asked why they refused to block the accounts when I'm showing adequate proof that the accounts were not mine, and provided them with the proper documents needed to have the accounts removed they declined to answer. 

I followed up by requesting that the creditor provide me with details on what method they used to " validate '' the account, all while forbidding them from using E-Oscar to do so but they disregarded my request and sent another letter stating that all 22 accounts were validated. I specifically requested that they provide me with physical proof of a contract with my signature showing that the debt is mine but again, they ignored my request and continue to state that the debt was " validated '' with no physical proof nor explaining which method they used to do so. 

Recently, I sent in a letter of Notice to Furnishers of Information to the creditor to let them know that per the FCRA, they MUST report accurate information only and once again, they ignored my claim and continued to state that all accounts were " validated ''. Time and time again they have continued to violate the FCRA guidelines.
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Security Credit Services, LLC (LA)

Dispute letter have been sent out regarding the debts in question, have received any documentation within the 5 days stated by law. I am a human being my name is XXXX XXXX, I feel totally disrespected bu the credit bureaus. i have a right to privacy. I also have an issue regarding Investigation Consumer Report, once something has been deleted it cant be placed back on my report unless some confirms it as being accurate. So who confirmed the accuracy and whom did the credit bureau speak with concerning the Investigation of Consumer Report. I never authorized the Inquiries on my credit report. My information appears to have been comprised.
Consumer complaint received 2020-06-16
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (MS)

I had an account for an Old Navy credit card through Synchrony Bank ( formally GE Capital ) that was opened around XXXX. Due to loss of income, the account became delinquent within a few years and was closed. In XX/XX/XXXX, I paid off the account with through XXXX XXXX XXXX XXXX. This agency supplied me with proof of payment that I still have. Within about six months I began getting calls from a different collection agency about this account and provided them with the proof of payment. Since early-to-mid XXXX, this paid-off debt has been sold over and over again to at least three different ( if not more ) collection agencies. Every time I am contacted by a new collection agency I supply them with the proof of payment but within a few months, I am being contacted by a different agency. I have contacted Synchrony Bank on several occasions and every time I am told that my account has been sold to a different debt collection agency. On XX/XX/XXXX, I received a threatening call from who I assume was a scammer who had my personal information including my social security number and address. This caller who claimed to be working on behalf of Synchrony Bank threatened me repeatedly. I once again contacted Synchrony Bank trying to resolve the issue and was informed that my paid off account was sold to XXXX XXXX XXXX agency. Synchrony bank continues to refuse to help resolve the issue. I have offered multiple times to send the proof of payment but they continue to refuse. This account is not reflected on my credit report but I am being threatened with lawsuits at least twice a year for a debt that I have paid. I am attaching a copy of the proof of payment.
Consumer complaint received 2020-06-15
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: EQUIFAX, INC. (DC)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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, U S DEPT OF ED/XXXX/XXXX, XXXX, XXXX XXXX XXXX. Inquiries : 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 2020-06-15
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. (WI)

I've open 3 dispute with Experian Credit Bureau, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, from a XXXX XXXX XXXX XXXX. I began to get suspicious every time results came back as " debt verified ''. Considering I've conducted my own research and realize that the company XXXX  " no longer '' report to any credit bureaus, and the account in questions is listed as " paid-off and closed ''. This was confirmed by a voice recording ( permission granted ) and was conveyed to Experian of the such and, the only response from them were XXXX XXXX verified the same account number we have on file ... are you serious. After I explain to Experian, that supervisors XXXX and several representatives stated they would send confirmation of debt. On XX/XX/XXXX, I recieved a copy of ( see attached doc ) something that look like a child went into the computer and printed, my name, a account number, NOT from original creditor..and this is what Experian says is XXXX verifiable '' information. Therefore, I questioned Experian as to the back and forth as well the validity of XXXX XXXX not being truthful. I've spoken to 15 representative since Thursday XX/XX/XXXX, requested to speak twice to speak with supervisors. Until today no feedback, today even I've called corporate to try to speak with someone on the " lack their of '' ensuring that a Credit Bureau is assuring the consumer that information is really being verified. Considering, while speaking with reps and their were loud noises, dogs barking, reps answering cell phone, no wonder why this item is STILL on my credit report. Upon submitting a " certified validation letter '' to XXXX XXXX and have communicated this to Experian for XXXX XXXX to original documentation, Experian states well they ( XXXX ) would have to delete debt off credit file. All the back and forth, with both companies it's CLEAR this debt can not be VERIFIED and I'm in this tog of war with who did, who said. Fair Debt Collection act states if debt CAN NOT be VERIFIED it MUST COME OFF!!! ... why all the " UNPROFESSIONAL '' on Experian not to uphold and delete this item. After reviewing complaints online both Experian and XXXX XXXX, have many many complaints on this same issue ... ... This is exhausting ...
Consumer complaint received 2018-07-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (NY)

The home is in a Trust. The owner XXXX XXXX passed away. The grandson is the co-administrator has been trying to work with Ocwen Loan Servicing to save the home. 
The home has a sale date of XX/XX/2018. 
First they told us that we had to send in a modification application but it had to be from one person. XXXX XXXX XXXX gave the application with all of the necessary documents. 
A complete modification package was submitted. Then Ocwen stated that the property had to be in an assumption. They wanted a new title. Before the new title was recorded in the XXXX County Clerk 's Office, we faxed the copy prepared by the attorney to XXXX ( after waiting two or more weeks ) then they said we had to fax it to XXXX and we did. Now they are saying the Title in correct, we sent it to them for their approval! They wanted proof of Insurance, then they wanted an affidavit from the XXXX XXXX XXXX that he was the Grandson and we sent it. Our last conversation was that they were reviewing the complete modification package. 
The person assigned to the account is XXXX, but the last person that called is XXXX who has no idea what is going on in this account. 
On XXXX we sent The title for approval to XXXX at XXXX
Consumer complaint received 2018-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

On XX/XX/XXXX and XX/XX/XXXX capital one took payments out of incorrect bank account and was charged two over draft fees for these transactions. I have been getting payment taken from another bank account except this time. I didnt authorize them to use the bank account through XXXX bank. I closed my credit card accounts due to them fraudulently taking money out of the incorrect bank account and they wouldnt do anything to assist me with there error.
Consumer complaint received 2018-07-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Massachusetts Educational Financing Authority (ME)

Today 's date is XX/XX/2018. On XX/XX/2018, we ( the student, XXXX XXXX ) and myself, as co-signer ( XXXX XXXX ) requested documentation that one of XXXX  's loans be shown as current. XXXX XXXX XXXX, the loan processing company, asked for proof that XXXX made a XX/XX/XXXX payment, which XXXX does not reflect. They show an XX/XX/XXXX payment for the XXXX bill, but they applied the most recent XX/XX/XXXX payment to the XXXX bill because they did not record the XXXX payment that XXXX made. XXXX took a screen shot of her XXXX 's bank statement for the selected transactions on XX/XX/2018. It displays the correct amount ( actually two payments ) debited for 'XXXX XXXX and XXXX XXXX. ' We faxed that over to the number XXXX provided. We were told it would be as many as 3 business days to get the adjustment made. I called back after 3 days and they moved the goal posts. It was now going to be 7-10 business days. I asked to speak with a supervisor, who sent an email to the XXXX branch, asking that this be expedited. I called back and got another supervisor, XXXX ( XXXX ), who asked for a detailed statement reflecting payments made to XXXX from XX/XX/2018. Instead we got a textual breakdown. Again, XXXX 's payment in XXXX, proof of which we faxed over is still missing in their records. We are not allowed to speak directly to anyone in XXXX, and I have to wait another 24 hours to speak with XXXX 's manager. Delays in their escalation process are painfully slow. And I think it is purposeful. Perhaps we should not have pointed out that we are trying to consolidate XXXX 's student loans and refinance with another lender, XXXX XXXX XXXX. We are on the clock to get the paperwork completed. Currently everything is approved except for the letter from XXXX showing that the loan payments are brought current.
Consumer complaint received 2018-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (OH)

I deposit my payroll check via KeyBank mobile app on Thursday, XX/XX/XXXX. On Friday, XX/XX/2018, I learned that my payroll deposit was placed on a 7 day hold. Now, KeyBank is charging me over draft fee ( s ) when in fact they have my mobile deposit.

I have tried to resolve this issue with KeyBank Customer service, Bank branch teller & manager, Mobile department, and their Executive office. No one seems to be able to tell me why the hold was placed on my deposit or remove the hold. I was told that I will be contacted in 1 to 2 business days and I have not been. This is very concerning to me as there is a staffing issue to resolve my issue.
Consumer complaint received 2018-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (RI)

NORDSTROM/TD BANK USA XXXX Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage 114 % Balance {$1900.00} Balance Updated XX/XX/XXXX Credit Limit {$1700.00} Monthly Payment - Past Due Amount {$1900.00} Account has been closed/charged off since XX/XX/XXXX which is still reporting a balance along with reporting a delinquent payment history every month up until present day. The account was written off by Nordstrom who in turn sent me a tax form stating so back in XX/XX/XXXX/XX/XX/XXXX. Please stop allowing this account to continue to report negative payment for the last 4-5 years, I have no way of knowing who debt was even sold to therefore can not make payment even if possible please help!
Consumer complaint received 2018-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX CREDIT CARD # XXXX ( XXXX XXXX XXXX ) XXXX XXXX CREDIT CARD # XXXX ( XXXX XXXX ) XXXX XXXXXXXX XXXX CARD # XXXX ( XXXX   CARD ) XXXX XXXX CARD # XXXX ( XXXX XXXX ) XXXX CREDIT CARD # XXXX XXXX XXXX XXXX # XXXX XXXX CREDIT CARD # XXXX ( XXXX CARD ) 2 THINGS THAT NEED ATTENTION ASAP. ( CORRECTION ) 1ST : DO NOT OWE NO $ TO NONE OF THE ACCTS ABOVE.

2ND : EACH ABOVE ACCTS NEED TO BE REPORT TO EACH CREDIT BUREAU.

( ALL 3 CREDIT BUREAU NEED TO MATCH CREDIT UTILIZATION )
Consumer complaint received 2018-07-17
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. (IN)

After reviewing my credit reports, I noticed that there are several credit inquiries that I did not authorize. I have requested them to be removed several times now by certified letter asking them to provide me proof that they have permissible purpose to run my credit. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. The inquiries are still on my files and have not received any resolution. Their responses were inquiries are a factual record of file access, please call the creditor directly. I did not give anyone consent to use my information. I sent them a certified letter on three different occasions and they are not complying with the FCRA. 

Transunion inquiries are : XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX inquiries are : XXXX   XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX inquiries are : XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Penn Credit Corporation (PA)

Ever since I have disputed the collection amount, my Credit Tradeline has multiple inquiries for the same collection account for the same amounts from the Collection Agency that I am disputing. The company is maliciously scarring my credit with these continuous multiple Tradeline reports. 

The collection agency is : PENN CREDIT CORPORATION XXXX XXXX XXXX XXXX XXXX, PA The dates on my credit tradeline showing NEW COLLECTIONS are : XX/XX/2018 {$660.00} ( XXXX  ) XX/XX/2018 {$660.00} ( XXXX  ) XX/XX/2018 {$660.00} ( XXXX ) XX/XX/2018 {$660.00} ( XXXX ) XX/XX/2018 {$660.00} ( XXXX ) My score has dropped over 25 points with these multiple hits on my credit report and they should only show one time, not multiple times in a week or month.
Consumer complaint received 2018-07-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (IN)

I try and get a lower payment for my student loans it always end up being over 200.00 a month when I have no job and XXXX children its seems even if I go into Forbearance its only a couple of months and my payments after are like XXXX I tell them I can only make a payment of XXXX dollars a month they tell me thats no sufficient even when I was XXXX on ssi and ssa they still would not lower payments now my loans has incurred 8 years worth of interest because they would not work with me and my low income
Consumer complaint received 2018-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I was an authorized user on a Fifth-Third credit card. I never applied for the credit nor did I authorize use of my credit information for the card nor did I authorize release of this information to an credit reporting agency. I never agreed to any of the terms or conditions of the card nor did I sign any contract. Since XX/XX/2018, I have requested to be removed as an authorized user so that this no longer showed on my credit report. Initially Fifth-Third refused to remove me as authorized user when I made the request more than 4 months ago. This account continues to be reported on my credit scores despite my request that it be removed. I sent a letter on XX/XX/2018, formally requesting a copy of my credit application and verification of all accounts which Fifth-Third has associated to me, how Fifth-Third has the account associated to me, and confirmation of which accounts are reported to any credit reporting agency.

Fifth-Third acknowledged the receipt of the letter but has refused to provide any of the requested in formation in the last 30 days. A local representative " XXXX '' advised the matter was sent to " legal '' and that there is a memo that Fifth-Third was to remove the credit reporting history. To date this has not occurred despite the fact that this was originally requested more than 5 months ago. It appears that Fifth-Third was attempting to hold me liable as joint account holder and illegally refusing to remove me as authorized user on this account for which I never applied. 

To further matters, on Thursday, XX/XX/2018, I received in the mail two new cards for this account or potentially another account for which I have never applied. It is unknown to me whether Fifth-Third always sends cards to people who never applied for credit, or whether the individuals named on the cards fraudulently applied for credit using my information which was why the cards were mailed to my address. 

I have pristine credit and Fifth-Third 's refusal to correct its error in reporting, its intentional or negligent handling of the account, its refusal to remove/close an account which it reports to credit agencies despite the fact I never applied for the credit or consented to the terms any credit contract, and the fact that I am told by local employees that I " have no accounts '' with Fifth-Third and that any history of reporting will be " wiped, '' has caused extreme aggravation. Further, continually opening accounts without my consent, refusing to close or remove me from accounts, and lying about removal from any credit reporting history has detrimentally affected my credit score causing severe damage for me personally and my ability to run my sole proprietorship business.

I need Fifth-Third to respond to my originally requests and for all accounts to be removed from credit history as it states that I have no accounts with it.
Consumer complaint received 2019-03-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ACIMA CREDIT, LLC (NY)

I took out a lease with this company. I set up a bank account with them to pay at the store. I set up a catch up plan which was supposed to take care of my past due balance and advised them to delete the other banking info because it was not the correct account. I was assured they would do that. I did not have the amount agreed upon coming out of my account so upon logging into their online portal I see that they have a bank account listed for a prior lease I had years ago with them that they were attempting to bill, not the debit card I provided or even the bank account i originally signed up with. They attempted to tell me that it was just the name of the bank was changed, not the account number. But they charged me numerous fees in relation to the wrong account getting billed that they refuse to refund, have reported it as late 30 days on my credit report causing my score to drop XXXX points. I also find that using an account for a prior lease is a gross violation of my financial information and they would not take any responsibility for this and seemed like they were trying to cover it up that they did not input the correct payment information after numerous customer service requests and then were trying to collect payment by whatever means necessary with an account that was not in the lease agreement.
Consumer complaint received 2018-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There is NO balance owed on this account, requesting a deletion again on this inaccurate remark XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} Nothing owed inaccurate data
Consumer complaint received 2018-07-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

I co signed for a loan for my wife at the time. When we got divorced, she filed the paperwork to release me from the loan, and Navient told me I was no longer on the loan. 7 years later, I find out I still am. My now ex wife has now continued to try and release me from the loan, but Navient is now saying that it's not possible.