davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-21
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: Advanced Resolution Services Inc. (IL)

On XX/XX/XXXX, I sent Advanced Resolution Services ( XXXXRS ), INC. an email requesting that they provide documents of information they used to verify an alleged bankruptcy. 

On XX/XX/XXXX, ARS responded stating that the information was verified by XXXX on XX/XX/XXXX and provided a voluntary petition from the United States Bankruptcy Court obtained from PACER. 

On XX/XX/XXXX, I replied to ARS noting that Public Access to Court Electronic Records ( PACER ) is an electronic public access service of the United States Federal Courts and is not considered a verification tool/resource as verification/validation must come from the original. 

On XX/XX/XXXX, ARS replied with the same response from XX/XX/XXXX and included the voluntary petition form obtained from PACER. 

I've requested that ARS remove the bankruptcy from my file if they are unable to verify the alleged bankruptcy noting that PACER is a for profit agency and can not be used to verify bankruptcy.
Consumer complaint received 2022-02-05
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. (TX)

I have tried to dispute the inaccuracies on my credit report with Transunion several times and have disputed the information. I receive correspondence saying account for Americollect for example was verified however I never received a copy of a HIPPA letter showing my signature. I have also disputed with Transunion for the inaccuracies and incorrect information on my report showing open on closed accounts which is not under FCRA compliance. This is inaccurate and needs to be deleted immediately.
Consumer complaint received 2022-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC. (CT)

To start, ( A ) signing in is made difficult by the company rushing the security code process. Once signed in, ( B ) the website no longer allows me to pay. Recently the automated pay by phone has been made difficult by 1 ) rushing the security code process 2 ) removing stored bank information. 3 ) Rushing the confirmation number which is twice as long as any other card and not giving the chance to listen again to confirm the number is right. This lead to ( C ) excessive wait times to talk directly to a representative who after 1 ) rep took payment failing to give confirmation number. 2 ) rep did not send my payment. 3 ) non payment lead to a late fee with interest. 4 ) lack of taking payment also lead to a lowering of my credit limit which put me instantly over the limit. All this HSBC sent to the credit bureaus that smears and lowers my XXXX  score which in turn they use as a weapon to extract more money from me. Also HSBC credit card customer service is a fraudulently put me on wait for 2 hours holding for the Disputes Dept then cut me off. Another time after hours of wait, another HSBC rep transfered me out to a medical insurance provider. Another time I was told that the disputes dept. is not contactable, only to have disputes contact me 3 weeks later as if to start a dispute I spent days already talking about. My balance remains uncertain, blame and costs have been shifted to me unjustly under the cover of valid reasons
Consumer complaint received 2022-03-21
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. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2017-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I purchased a " club '' membership from XXXX XXXX XXXX on X/XX/2017, included in this I also purchased a product of which I am not disputing. the total dispute amount is {$38.00}. I am requesting the refund of {$29.00}. I attempted to resolve this matter with the merchant to no avail. I then disputed the charge with my card issuer XXXX XXXX.
They made a very feeble attempt to resolve the matter by sending me a copy of the receipt. I already had this receipt. I am not sure at what level of common sense the dispute department operates at. Proof of purchase was not at issue. It is now going into 3 months and I am getting no where with either party. I am requesting this agency, assist me in recovering funds owed me. These merchants play games with consumers and do not take responsibility for there actions or lack there of. I will take this matter for the sake of principle to whatever the law allows, so others may be protected from these types of abusive practices.
Consumer complaint received 2017-09-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (AZ)

XXXX NAVIENT Complaint To whom it may concern, NAVIENT Called me today. It seems that my conversation with them last Friday, XXXX XXXX, XXXX was not documented XXXX XXXX, I made my first-ever payment to the NAVIENT department online, I also set up a direct deposit account as well. This would ensure my payment would be met, on time, each month. 

Friday, XXXX XXXX, XXXX, at XXXX, I answered my phone to a woman representing the NAVIENT department. The woman was calling to inform me that I had missed both XXXX and XXXX payments and that I was delinquent. I told her I would be able to pay the full amount on XXXX XXXX, in full. We agreed this would be best. She than directed my phone call to an automated message stating the terms and conditions of forbearance on my student loans. After the recording finished, the womens voice returned and she asked me if I agree to the terms and conditions stated in the automated voice message, I said No Way. We both agreed that it would be best to not forbear my loans and that I can pay the full amount in XXXX. 

Today, Tuesday, XXXX XXXX, XXXX, at XXXX, I answered my phone to a different woman representing the NAVIENT department. The woman was calling to inform me that I had missed both XXXX and XXXX payments and that I was delinquent. I told her I would be able to pay the full amount on XXXX XXXX, and I also talked with another representative of NAVIENT last week. She then told me that her college must not have taken these notes and that therefore she is calling today. 

We both agreed that it would be best to not for bare my loans and that I can pay the full amount in XXXX, only this time, I told her I do not, in any way, agree to for bare my loans, She stated, If you do not forbear your loan it will look much worse than if you were to just for bare them until you can pay the full amount!. Again, I told her No and No again! She kept trying to get me to agree to the stupid forbearance. 
Finally, she ended the conversation with, Fine if youre not willing to forebear your loan than we will continue to call you every day until you pay in full, I said, Fine, and we were disconnected. 

I set up AUTO Pay in XXXX, after checking my account today, while on the phone with her, I was presented with a screen stating, my loans were not eligible for Auto Pay. 
As I write this, I am watching my account, and it has been pushed from In Grace to Past Due. 

This is not okay, I should not be past due, I should not be bullied into placing my loans in forbearance! 

Respectfully, xxxx
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-09-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX  XXXX XXXX, 2017 Via US Postal Service Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Delaware, XXXX Re : Account numbers : XXXX and XXXX Dear Chase Bank Representative : I am writing this to you due to inconsistencies in your reporting to the credit bureau. After the accounts were closed with Chase Bank, Chase Bank entered additional activity of late payments once the accounts were closed. This practice is deceptive and increased the amount of time the entries regarding Chase will be on my credit file.
I have attached the Chase Bank credit reporting for your review. This practice violates the Fair Trade Collections Practices. Once the account is closed the credit grantor should not continually report activity to lengthen the time of debt collection.
Since you do not have the correct information to solicit this debit please remove Chase and all trade lines regarding Chase from my credit bureau credit reports. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed.
Additionally, I have submitted a complaint to the Consumer Financial Protection Bureau in response to this alleged debt. Please remove from all credit bureau files.
Thank you for your cooperation.
Sincerely, XXXX XXXX Cc : XXXX XXXX  XXXX Consumer Financial Protection Bureau
Consumer complaint received 2017-07-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (WI)

I completed my education with approximately {$45000.00} in school loan debts. A few years after beginning repayment, I consolidated the remaining {$41000.00} in debts. Over the years I have paid over {$95000.00} toward this debt. The prinicple on this loan remains over {$37000.00}. So of the {$95000.00} I have paid toward my education debt, only {$4000.00} has been counted toward paying down the debt. This seems criminal! Can you help?
Consumer complaint received 2022-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/XXXX, I walked into the TD Bank located in XXXX, FL ( XXXX XXXX and XXXX XXXX XXXX ) in XXXX XXXX, FL to resolve charges that were not mine ( dispute them ) ; and obtain a new debit card ( since the one that I had was not registering all the transactions I was making. ) That day, I walked out with only a new debit card ; and was told by XXXX and XXXX, a.k.a. XXXX, that all disputes are to be made over the phone. Also, both women allege TD Bank only has one account under my name. I'm alleging they have at at least two, XXXX XXXX XXXX and XXXX XXXX, because I keep receiving mail with two names ; and I continue to see two maintenance fees. After two plus hours of trying to talk sense into these women, we got no where. I got up, and made a NEGATIVE account positive by depositing {$100.00} cash into a new account that has NONE of my history from XXXX of XXXX - XXXX of XXXX. My history should go from XXXX of XXXX to present day. 

In conclusion, I've gone ahead and attached two pdf files with images that reflect what activities are NOT mine, and why TD Bank needs to place back into my account {$97.00} and remove all the XXXX and XXXX XXXX  fees ; followed by all the XXXX XXXX fees, and explain how my account was made negative on XX/XX/XXXX ; but I was still able to withdrawal {$160.00} with a {$10.00} ATM fee on XX/XX/XXXX and obtain a receipt that reflects POSITIVE {$15.00}. And then use my card TWICE in XXXX, FL on XX/XX/XXXX ( after XXXX XXXX. EST ) for {$2.00} each time ; and have NO Problems ; but guess what, those two transactions are MISSING from this NEW online account. This confirms TD Bank gave my REAL account to someone else, allowed this person to create a fake account that did not pass the test. So, I had to make this " new negative '' account positive ; and that's a crime! Also, my card was never used on XX/XX/XXXX - XX/XX/XXXX ; why does this new ledger reflect that I do? 

Why did XXXX have to hand me TWO different printout with the names XXXX XXXX if there's only ONE account? ( see the images in the kic attachment ). XXXX XXXX pages 1-15 ; and then XXXX XXXX pages 1-2 ( that's the new account ) and it has NO HISTORY prior to XXXX. 

They need to admit they duplicated my account and I'm being disrespected ; insulted.
Consumer complaint received 2022-02-06
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (CT)

This company sold me on a mortgage modification. On XX/XX/20 I paid them {$1300.00} was my first full payment after giving them a {$500.00} deposit. Went on the FTC website and found out that it was illegal for them to take money from me until a mortgage was confirmed. I sent multiple emails providing FTC information and asked that money be returned. I left many phone calls and sent text messages to XXXX ( no last name ) and XXXX XXXX ( Billing ). Email messages sent to XXXX XXXX with many phone messages left with no return calls. My mortgage payment record has been perfect up to this date for the last 4 years and I informed them of this early on. They should be accountable for bringing my account current, including any penalties and late fees and report their negative business to the credit bureaus. I can produce copies of emails and text messages as well as proof of payment XXXX XXXX
Consumer complaint received 2022-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (SC)

I would like the fraud alerts removed from all 3 credit bureaus. Now that I am actually really trying to get a car, I am having difficulty because of the fraud alerts. The info provided shows my name and address. Please remove fraud alerts
Consumer complaint received 2017-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

With the following statement and attached documents I want to show an error in the Outstanding Principal Balance of my mortgage loan. 

My original loan mortgage amount is {$160000.00}. As for ( XX/XX/XXXX), I  made a total of 14 regular monthly mortgage loan payments. The regular monthly payment amount ranged from XXXX XXXX, and the regular monthly amount applied towards the Principal Balance ranged from {$270.00} to XXXX ( {$270.00} average ). If we keep it simple, 14 payments at  {$270.00} equals a total of {$3800.00} that should have been applied towards my Principal Balance. Therefore, my outstanding Loan Principal should be of approx. {$150000.00} and NOT of {$150000.00} as it shows in my last loan statement ( XXXXXX/XX/XXXX ). 

The origin of this error is a cascade of miss-adjustments done by Huntington Bank in XXXXXX/XX/XXXX to reverse an automatic regular payment done from my Asterisk Free Huntington Checking account towards the Principal of my loan on XX/XX/XXXX. 

I used to pay ( XX/XX/XXXXto XX/XX/XXXX) up front monthly regular payments with personal checks as shown in Transaction History attached document. I was not aware that Huntington Bank set up automatic payments from my free asterisk checking account until I received a notification of Not Sufficient Funds ( NSF ) in XX/XX/XXXX. At that moment, I requested a reversal of {$1000.00} to my checking account and to suspend automatic payments from my Huntington Free Asterisk Checking Account in order to avoid double monthly payments ( Personal checks and Huntington Checking Account ) This statement and the documentation provided ( Loan Payments -Transaction History MSU-FCU, Asterisk Account History ) with this letter should clarify this issue. I demand an immediate action to correct my principal balance : a reimbursement of approx. {$780.00} towards the Principal Balance of my mortgage loan. 

After all it has been 1 year since I brought this problem to the attention of Huntington Bank and despite my efforts, it has not been solved yet. 

I would like a detailed explanation from Huntington Bank Thank you for your understanding
Consumer complaint received 2017-07-15
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: EQUIFAX, INC. (LA)

Company failed to send verification documentation bearing my signature a requested to prove that I actually owed or ever owned this account and just sent letters stating that they verified the information. The information was also once showing it was removed from my credit reports only to be later paced on there again at a later date.
Consumer complaint received 2017-07-15
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: Experian Information Solutions Inc. (LA)

Submitted a letter of dispute to this company via certified letter and never received a response back from them and they continued to report the same disputed information on my credit reports without noting that I was disputing the information.
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX, Transunion and XXXX credit reporting agencies have allowed XXXX XXXX XXXX to " re-age and re-list '' old debt that was bought by them. I have XXXX collection accounts being listed by XXXX XXXX XXXX that have illegally " re-aged '' this old debts that are over 7 years old. According to the FCRA, accounts older than 7 years must be deleted from credit reports. Since the original accounts are older than 7 years, XXXX must delete all XXXX collection accounts from XXXX XXXX XXXX. XXXX is allowed to try to collect on the old debt, however, these accounts have to be deleted according to FCRA law.
Consumer complaint received 2022-02-05
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 writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-03-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (MD)

In XXXX I was hospitalized. On XX/XX/XXXX I received a collection notice from Capio Partners ( collection agency ) notifying me that I had an outstanding balance of {$1800.00} from XXXX XXXX XXXX. Please note : I never received a bill and the charges were never submitted to my insurance company XXXX XXXX. This bill is now showing up on my credit report and I am getting the run around from XXXX XXXX XXXX ( XXXX ). I've spoken with my insurance company and it is XXXX 's responsibility to submit the claim. XXXX told me I had to deal directly with the collection agency who told me I had to contact my insurance company. Because the claim was never submitted the insurance company can not process a claim. I no longer have this insurance and because XXXX did not submit the claim back in XXXX it is likely that XXXX will deny anything submitted now.
Consumer complaint received 2022-02-13
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. (MI)

I, XXXX XXXX, Living Person, And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as 2014. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. I am telling you my hand on the bible that this is information will not be blocked in error. My FTC report and affidavit of truth attached are proof that nothing I have stated is false. As your Bureau is here to protect my consumer 's rights I am requesting that you force these corporations to remove ALL negative remarks on my consumers file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues I will be forced to start LITIGATION. If you believe that I've obtained possession of goods, services, or money as a result of information to be blocked, have your executive member or the company put it in an affidavit of truth notarized. Thanks for your cooperation in this matter. I am XXXX XXXX and I am submitting this compliant MYSELF and there is no third party involved. This complaint should not be closed at any time for authorization needed. This submitted complaint with attached documents will be my written authorization.
Consumer complaint received 2022-02-06
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Onity Group Inc. (SC)

This company claims that I owe a debt to them. They then turn around and sent my personal information to a so call attorney/debt collector who has my address.Never did I enter into a contract with anyone. The home was left to me by my mother.