davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-27
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. (NJ)

I am writing in response to your current evaluation. I have to pursue my efforts to resolve these matters which require intent to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. 
XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX Account Number XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX
Consumer complaint received 2018-09-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (GA)

On XX/XX/XXXX He capital retail bank states that I opened an account. Which is false I never opened this account. On XXXX the company states said account went into collections. In XX/XX/XXXX this company was sued and settled with you file number XXXX. In XX/XX/XXXX company changed its name from Ge capital retail bank to Synchrony bank. In XX/XX/XXXX XXXX said they acquired this account. On XX/XX/XXXX XXXX states they sent a notice of debt. The notice was never received by me. I was out of the country due to being a armed forces service member. The company states they did not receive a dispute or validation request within 30 days. This is because I was not in the county and never received said notice. If the company sent the notice certified they could have known I never received it.on XX/XX/XXXX the company states they sent me validation of debt which again was never received and i was again out of the country. I have been disputing this account for years. the company then sent me a validation copies of old bills with just a name and address. An address which I've never lived at and that reflects on my credit report. A name which shows over 189 people with the same name in XXXX FL. I would like a copy of the original application along with a signature page to show this debt is no mine and never has been. The account has already been removed from one credit report just waiting for the others. This is a stressful and unfair way of doing business. If you can not be sure that someone received a notice you should not be able to try and then throw a debt that doesn't belong to them since you never received a dispute.
Consumer complaint received 2018-12-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MS)

I borrowed {$10000.00} in XXXX from what was known as Sallie Mae, which is now Navient. My payback amount is {$23000.00}. I cant get and understanding how a {$10000.00} loan can turn into {$23000.00}. I completed school in XXXX. Ive been paying on the loan for a currently 4-5 years now. However, every month my credit reports tells me that my fee has increased by {$230.00} at the least. This is an on going issue that I really cant get any answers about.
Consumer complaint received 2018-08-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BB&T CORPORATION (MD)

On XX/XX/2018, I made an online payment for my mortgage from my checking account ending in XXXX. 
XX/XX/XXXX - The payment posted. 
XX/XX/XXXX - Received an email stated that an overdraft item fee was applied to a different checking account ( ending XXXX ). 
XX/XX/XXXX - Called BB & T, and customer service indicated that there was an automatic draft setup for the mortgage, but since I made a manual payment on XX/XX/XXXX the account was current. As a courtesy the overdraft fee of {$36.00} was refunded. Additionally, the representative assured me that she would remove all automatic payments ( because I wasn't aware of it/never used it since being a customer ) and would add a note on the account that the customer does not want any automatic drafts and that I would not incur any further issues related to this matter. 
XX/XX/XXXX - Another email was received that my account ending XXXX incurred a return item fee of {$36.00}, for another mortgage payment! 
XX/XX/XXXX - Called BBT after returning from vacation and was told that it was not a bank error after being passed from multiple representatives. The account shows that the mortgage was current as of XX/XX/XXXX, but BB & T stated that they could not do anything to stop their system from processing another payment!!!! So ultimately, I was charge 2 return item fees because of their faulty system. I was told that I am responsible ; that they could not assist me any further and will need to file a complaint. 
I am so frustrated because I could not get anyone to explain why I can't stop BBT from retrying a payment on an account that is not past due.
Consumer complaint received 2018-08-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

After reviewing my credit file that Equifax maintains under my social I have come to find out that XXXX XXXX XXXX has inserted 9 accounts under my name damaging my credit that does not belong to me. I am a victim of identity theft and there have been many accounts opened using my driver license and social. Not only did XXXX XXXX not inform me that they were inserting negative information into my credit file they didn't give me the opportunity to request validity of these alleged accounts. I have never done business with XXXX XXXX  nor ever had a contract with them stating that I have an obligation to pay them any funds. I have never done business with the company they represent either. Every account listed with this company is a result of identity theft.
Consumer complaint received 2018-08-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: DriveTime (MD)

See my prior complaints filed against them DriveTime and XXXX XXXX XXXX. Has been a game of cat and mouse and cant get straight answers from either. Both company 's push blame for miscommunication on each other. My latest complaint and question is what gave them the consideration and/or details of what went into me getting a higher interest rate on my new contract with them after they bought back my other vehicle. XXXX has stated that when I had signed my new contract that my other loan was still on my credit so it went into the consideration for my new interest rate on my current vehicle. What was used to justify me getting a higher interest rate on a vehicle that I actually financed for {$100.00} less than my other loan which was deleted? I was given a higher interest rate and over the life of loan I am paying over {$600.00} more because of the higher interest rate and 3 more payments. all of my other on time payments that my other contract showed should if anything made my interest rate stay the same not go up if anything should go down. Upon calling XXXX and asking what goes into consideration on getting an interest rate I was told by XXXX who nows my case well that XXXX doesn't set the interest rate the dealership does so this is my question how is this justifiable.
Consumer complaint received 2018-09-14
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)

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

XXXX XXXX This account has never been late and the balance that you are reporting is incorrect. see attach documents as proof of this information being incorrect. 

XXXX XXXX XXXX This account has never been late and the balance that you are reporting is incorrect.
Consumer complaint received 2018-04-21
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. (CA)

Account : XXXX Fraud ADDRESS : XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX Outstand Balance : {$340.00} Victim : XXXX XXXX This submission is regarding a conversation I had with a XXXX XXXX XXXX XXXX  ( XXXX ) rep i had on XX/XX/XXXX. I was following-up on a case regarding stolen identity. 

Background : I moved from XXXX XXXX XXXX to XXXX XXXX  back in XX/XX/XXXX. Subsequent to my move, an unauthorized utility gas account was opened in my name on XX/XX/XXXX at the address listed above. Apparently, the individual failed to pay and XXXX filed a non-pay inquiry to the credit bureau Experian. On XX/XX/XXXX, I filed a complaint with XXXX  which is when I identified the fraud against me because I was applying for a mortgage in XXXX  and could not secure the loan due to the negative inquiry. I supplied XXXX with a police report at that time. Please note, according to XXXX customer relations, they received the credit report on XX/XX/XXXX but have yet to do anything. Back in XX/XX/XXXX, I was able to secure my mortgage loan due to that police report and I did not pursue following-up on the investigation of identity theft with XXXX. Now, on XX/XX/XXXX I was attempting to re-fi my mortgage and due to this inquiry on my credit report the mortgage company would not move forward with the re-fi. On XX/XX/XXXX, I reached out to XXXX to continue this follow-up from roughly two years back. I requested to have a XXXX supervisor contact me regarding this matter as well as provide me with the information taken when this account was set up. I have yet to receive any follow-up from XXXX regarding the matter. 

Important Note : The police report indicates the plaintiff company is XXXX XXXX XXXX but that's only because XXXX was bought out by XXXX since the time of the incident. 

My credit has been negatively impacted due to this issue thus preventing me from being able to refinance my mortgage or obtained a more favorable credit score.
Consumer complaint received 2021-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CT)

XX/XX/XXXXcheck to Wells Fargo cashed. 
XX/XX/XXXXdue date of WF mortgage ; we receive an overdue notice charging {$47.00} as a late charge. 
XX/XX/XXXXI called seeking an explanation as the late date is XX/XX/XXXX. After a lengthy discussion, XXXX said the charge would be waived. He confirmed the payment was NOT late until the XXXX. I said I didnt need a waiver, it was their error. He proceeded to explain other payment methods to receive payment earlier. I explained that the due date should be changed if the payment was not in fact late and I didnt appreciate the grab for an unfair fee. 
XX/XX/XXXX I received another late notice.
Consumer complaint received 2018-08-29
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. (AL)

I have contacted Transunion on several occasions regarding inaccuracies to my credit report and I have received constant push back. I wrote letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX also have spoken to representatives via phone about the inaccurate information. Transunion has yet to remove the items that are on my credit report. Despite my multiple written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated in writing that you verified that these items are being reported correctly? Transunion still have not identified who in their company verified the accuracy of these accounts or how they verified them? Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within 10 days. 

I dont know if this error is intentional or not, created by your system, or by the entity who reported this to you, but this is affecting my credit & my score. This is an important issue for me, this affects my finances & it has come to a point where I cant even sleep well at night. As you can see, this list is detailed and quite self-explanatory, I demand you to put as much effort as needed to resolve this issue as soon as possible. 

Items : TO BE REMOVED 1.XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Premier Holdings (FL)

Good evening on XX/XX/XXXX I received a call from Premier Holdings phone number XXXX falsely impersonating a lawyer and threatening to sue me for old debt. 

I asked if it was a debt collector, and they stated a law firm. 

They claim that this was for an unpaid XXXX XXXX Credit Card, that they claim it dates back to XXXX. 

Despite the apparent incredibility of the caller, the date they claim suggest that this would not be a collective debt due to its age. 

I explained to her that this potential debt would be no longer collectible. 

I want to report this issue for various reasons : 1. False representation 2. Lying about ability to collect a potential debt based on age.

3. Making me feel harassed.
Consumer complaint received 2018-08-28
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. ()

The reporting of student loan account number # XXXX, as delinquent, by servicer XXXX ( creditor : XXXX XXXX ) is not only incorrect but illegal. XXXX violated the loan agreement. XXXX did not process my forbearance/deferment request, while I am still in school. See attachment for further details.
Consumer complaint received 2018-08-28
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. (LA)

This dispute involves XXXX XXXX XXXX and an inaccurate reporting of my account status to Transunion and XXXX. After challenging the validity of the account I received feedback from Transunion on XX/XX/2018 which stated that the account was being deleted from my Transunion account due to being unable to very this debt with an original instrument of indebtedness. XXXX has stated that the account was verified and updated the status to paid, however they have failed to provide this original instrument of indebtedness. My concern is that the company could not provide this for Transunion, but somehow provided it for XXXX. It is my belief that XXXX is utilization information from a third party to validate this debt and without this documentation actually being provided. In a recent review of my credit report I see that this account was in fact not deleted from my Transunion and still remains in a negative status which is negatively impacting my score. The account in question does report to XXXX as being paid status, it does however have a negative payment history which directly impacts my ability to purchase a new home.
Consumer complaint received 2018-08-29
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. (OH)

I have previously sent my Identity Theft Report to TransUnion by certified mail on XX/XX/2018 to block the fraudulent accounts and inquiries reporting on my consumer file. TransUnion has ignored my previous disputes and have I have requested the help of the CFPB to make sure TransUnion complies by XXXX XXXX. I have enclosed a copy of my FTC Identity Theft Report, drivers license, social security card, FCRA XXXX and, a copy of my TransUnion credit report.
Consumer complaint received 2018-08-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NY)

In XX/XX/XXXX, my husband and I separated.it was a struggle to pay bills and my mortgage fell behind. I tried to remodifying with the loan service company at the time, XXXX. I was offered a higher payment than when I lived with my husband. I was told that until my divorce was finalized and my ex off deed, they would assume he was still in the house.in XX/XX/XXXX my divorce was final and my ex-husband was off the deed. I also took in a boarder and was working full time.i applied for a remodification with current loan serving company, Shell point.they denied me the remodification and urged me to sell the home. I briefly put the house on the market but changed my mind  because I still have XXXX children living with me.one is XXXX   XXXX and will XXXX XXXX XXXX in XX/XX/XXXX.i tried remodifying again and my point of contact was XXXX XXXX.i worked with him from XX/XX/XXXX until XX/XX/XXXXhe constantly asking me for the same paperwork over and over again.he said that my court order child support letter and my state pension letter.were not good enough.finally he told me that we were at the finishing line.i just had to send him one more thing and they would review my application.thr next thing I knew.my account was transferred to XXXX XXXX and he was requesting all the same documents all over again.i put the house on the market and asked to do a settlement offer but that was denied as well.I am at the end of my rope.i want to remain in my home until my daughter graduates. I am also XXXX now due to XXXX XXXX.we really have nowhere to go at this point. I need she'll point to remodifying me at an amount I can afford to pay for the next year.They never really gave me the chance, just played gave with me.This company needs to be investigated and I need help.. please advise.XXXX XXXX XXXX XXXX, XXXX, ny XXXX
Consumer complaint received 2018-08-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Atlantic Credit & Finance, Inc. (TX)

Atlantic Credit and Finance Inc. called and spoke with me on Thursday, XX/XX/2018 regarding a debt I have. I did not deny having the debt but requested the amount of insterest and late fees that accumulated in order to help bring the debt down so I could pay it off. The four representatives I spoke with all refused to look up the interest and late fees and continuously ridiculed and belittled me over the phone. XXXX, XXXX, XXXX, and XXXX are the representatives i spoke with and hung up feeling embarrassed and frustrated that they were unwilling to help me as I was calling to get this account back on track. They also threatened to sue me multiple times over the phone. When I hung up I called the original card company and asked for my last statement with all of the interest and late fees. My balance ( with no interest and late fees ) was {$940.00}. The interest and late fees totaled around {$820.00}! This company is trying to collect for {$1700.00}. Which is why I repeatedly asked for the amount of interest and late fees to help drop the balance and allow me to pay off the debt faster. I also tried to negotiate the debt to have it paid off faster by the end of XXXX and they refused to negotiate or work with me.
Consumer complaint received 2018-08-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (NC)

On XX/XX/XXXX I received a mailed statement from XXXX XXXX stating my loan was past due. The past due notice was my first notice of any payments even being due on the loan. The past due balance was {$280.00} and the current amount due was {$140.00} suggesting I had missed two payment, again, payments I was never aware were due. I called the company asking about options for pushing back the past due date so I could verify the loan was in fact mine since I have no promissory notes on file for it. I was told no and that I had been notified by email as well about the bill. I, in fact, never received anything by email about the bill. I searched my inbox, junk mail, etc. The email from Heartland was on XX/XX/XXXX, which is copy and pasted at the end of this statement but says nothing about a bill and is rather quite cryptic. 

I have two primary grievances. One, Heartland needs to send a statement just like every other company saying a bill is owed in advance. Two, I was charged late fees, which I would like removed since I had no opportunity to make the payment on time. I also think for a company that can have so much negative influence on a person 's bottom line, credit score, etc, these surprise bills can not be allowed to continue. 

XX/XX/XXXX Email We are notifying you that your contact information has been recently updated for XXXX XXXX XXXX / XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX
Consumer complaint received 2018-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX / XXXX XXXX XXXX put in a hard inquiry on my credit report without authorization on XX/XX/2018. These guys were my apartment provider FOUR YEARS AGO. I never made any request for any additional work, they simply re-ran my credit for no reason, resulting in my score being less than what it should be when I am trying to buy a new car and refinance my mortgage. I have disputed this with Equifax, but they came back saying XXXX XXXX XXXX / XXXX stood behind their inquiry and refused to remove it. I am requesting the CFPB to come in and find out why they are running my credit with no authorization for no reason.
Consumer complaint received 2018-08-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (VA)

XXXX XXXX XXXX is harassing & calling me about a XXXX XXXX XXXX credit card that is paid & closed. I Disputed with them to cease & desist calling me from various numbers out of the country & that I have no further business with them.