davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/2017 I received an alert from TransUnion that a collection had been added to my credit report. The collection medical account reporting is XXXX XXXX , XXXX with account number # XXXX for the balance of {$250.00}. The numbers are partial because this is how TransUnion has it shown on my consumer file. I contacted the original creditor and asked them about this bill, the billing department told me that this bill had been paid by my health insurance and, is showing a XXXX balance. The original creditor sent me the billing summary showing the explanation of benefits. I have tried disputing this with TransUnion with no success. I have included a copy of the paid billing summary, copy of social security card, utility bill and TransUnion credit report.
Consumer complaint received 2018-08-29
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

Dear Staff, I am hoping that you can assist me with XXXX XXXX who continues to bill me and does not accept my payment following the end of a vehicle lease in early XX/XX/2018. I tried to pay this bill twice and am submitting evidence of the billing and my attempts of payment. I also called the company twice to resolve the bill, and they advised me during those calls that my account is in collection and that they needed to transfer me to that section, which they said was open for calls, yet when they transferred me the recording claimed they are closed for business. 

I have in the past leased twice from XXXX and made a third vehicle purchase, but I now understand that if a customer is not leasing or purchasing a vehicle, simply returning a lease, they use under-handed methods of incurring finance charges as a way of gaining money from the customer. I've worked very hard to have good credit, and their practices are now requiring me to seek your help and invest time in repairing my credit. I resent that they believe they can treat customers this way. Please assist me and let me know what further information you may need in addition to the documentation I'm attaching to this complaint. I greatly appreciate your assistance!
Consumer complaint received 2018-08-29
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Performant Financial Corporation (CA)

Complaint number : XXXX, filed XXXX XXXX with the CFPB against this Collection company called XXXX. The company has ignored my complaint and is continuing to demand payments, calling both my XXXX & now my personal XXXX phone. And, how they got my access to my personal XXXX number remains a mystery because I did not list or add my XXXX or my XXXX to any information provided to the CFPB for sharing. I continue to received payment demand letters via XXXX. XXXX XXXX from this company, during and after I filed a claim and I received XXXX telephone calls today XX/XX/2018 from a XXXX calling XXXX XXXX XXXX. Caller ID tread XXXX. XXXX was intrusive, demanding, and I found XXXX tone hostile and negative. XXXX insisted on having me answer XXXX QUESTIONS. I asked XXXX a few confusing questions, ending with my reporting XXXX to the XXXX
Consumer complaint received 2018-08-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (PA)

On XX/XX/2018, I applied for a military deferment by submitting orders for an overseas contingency with the XXXX XXXX to Navient and Navient processed the request. The orders were for a XXXX XXXX XXXX from XX/XX/2018 through XX/XX/2018. After I was XXXX, I was automatically billed {$110.00} on XX/XX/2018. I emailed Navient through their website inquiring as to why I was being billed during a deferment period. I received a response incorrectly countering that my service was not in connection with an overseas contingency eligible for deferment with Military No Interest Accrual. I then called the companys  military affairs number explaining that the orders clearly stated that the XXXX was in support of a contingency in a qualifying area. The representative was helpful and apologetic after reviewing the orders that they did in fact indicate that this was a contingency operation. My initial application had been erroneously processed as an SCRA application only, but not a deferment. The deferment was finally processed on XX/XX/2018. However, on XX/XX/2018, another automatic payment was charged for {$110.00}. I called Navient again to inquire why a second payment was processed after the deferment was resolved. I was simply given an apology and told that their automatic billing system wasnt quick enough to catch the deferment and refunds could not be issued.
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 — Personal information incorrect
Company: Innovis (FL)

Innovis Credit Bureau has 5 mistakes listed on my credit report in the OTHER CONSUMER INFORMATION section of the report. 

They are as follows : 1 ) My name is spelled wrong. It is not XXXX XXXX. I have never gone by that name legally. 2 ) My current address is not listed. I have lived here for over 2 years. 3 ) The last XXXX digits of my XXXX are incorrect. They are not XXXX. 4 ) My birth date is missing. 5 ) My telephone number listed is wrong. It is not XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-08-28
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. (OH)

Transunion validated a debt in my name without submitting proof or having the proof from the collection agency. How can they report something without validation? I requested proof of the debt, date contract was signed, anything tying me to the debt and was not received yet they still validated it. 

XXXX XXXX XXXX is reporting I owe {$320.00} to a payday lender, XXXX XXXX XXXX. I do not recall this debt or ever using this lender. All I asked was for proof of debt and that was never sent. This company has never sent me anything in writing. 

I want this investigated again.
Consumer complaint received 2018-08-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CITIBANK, N.A. (TN)

Someone has stolen my identity sometime between XXXX -- XXXX they have trying to open several accounts one that we know for sure was Home Depot through Citibank and there are some others but I am not sure what companies that they are from. 
The people who put this in motion and gotten my information all of my stuff and once they had the account open used it and ran up the bill when they called to request payment from debt collections I had no idea what they were talking about I didn't think I should pay for something that I did not authorize and then they started threatening me with garnishments and arrest all kinds of things and then XXXX and send a summons that I have to go to court but they're going to voicemail thing and I'm really not understanding how all this can happen? 
I would really like someone to help me understand how people do this and how it's almost invisible until it's too late and then when you try to stop it you can't?
Consumer complaint received 2018-12-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: STATE FARM BANK, FSB (TX)

On XX/XX/2018, I received an e-mail about opening an " account '' with State Farm Bank. I promptly called my local State Farm agent ; they promptly notified their office. I had a very pleasant phone call and they said they would block any and all attempts to open any kind of account in my name. That was for account : XXXX. 

I received an important notice regarding another ( different ) account opened in my name at State Farm Bank. This was dated XX/XX/XXXX for an account ending I XXXX. 

Whatever State Farm said they were going to do, either they didn't do it or it didn't work!
Consumer complaint received 2015-08-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: HW Holding, Inc (TN)

A third party contacted this debt collector ( Hunter Warfield ) on XXXX XXXX, 2015 by telephone at XXXX about my account. The employee at Hunter Warfield, who identified himself as XXXX, did not ask the caller to identify themself and assumed they were me ( the account holder ). XXXX discussed the amount I owe and threatened to report my debt as unpaid to credit reporting agencies based on his conversation with this person.
Consumer complaint received 2021-01-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NJ)

On Tuesday, XX/XX/XXXX, I saw an advertisement on XXXX XXXX for a XXXX XXXX  for {$140.00} I contacted the seller right away via text as the seller ( scammer ) wanted. I text the scammer the same day and they reply with " The item is available ''. They told me to send them the money and and the shipping information thinking XXXX XXXX has some sort of protection but unfortunately they don't. I sent them the money via cash app ( {$140.00} ) and extra money ( {$20.00} ) for overnight shipping as they provided me with pictures taken at the XXXX  facility. Their cash tag is " $ XXXX ''. once I sent them the money, they stopped replying to my texts or calls. after I try texting them from a different number asking them if the item is still available and the reply with yes. this scam is sickening and something should be done to punish these people. the account was on XXXX XXXX and the account 's name was XXXX.
Consumer complaint received 2016-03-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

had requested Transunion to investigate a credit inquiry for XXXX dated XXXX/XXXX/2015. I was told in the response that I had to dispute directly to XXXX. I do not know of this company and have never requested them to run my credit. FCRA allows me the opportunity to validate claims made on my credit report. I simply asked for the copy of the signed credit application and identification used to validate the identity of the person requesting credit. If the Credit Reporting agency refuses to do this they are in violation of the FCRA. I did not request this company run my credit report. If they did what they are supposed to do then it would show that I did not request this inquiry. Inquiry shoul dbe investigated in accordance with the FCRA, once investigated it should be removed.
Consumer complaint received 2018-08-15
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. (CA)

These 7 accounts ( attached ) were first opened in the XX/XX/1980 's. I have been enrolled in several different payment plans and I have never once been late. ex : After I would complete a 12 month plan then I would receive information from so many different collection agencies instructing me that my account had been transferred and that I would be notified by mail whom the next collection agency would be. I always kept up my end of the bargain. Keep in mind I was always asking for deferment, constantly explaining my hardships. However, I completed every payment plan they set me up on and I believe it was a total of 3 - 5 maybe. I have been on a income based repayment plan for several years ( attached ) and I don't think its fair to continue to report this to the credit bureaus. I can not rent an apartment or even think about getting a job because this bad report keeps showing up on my credit. 
Furthermore ; these loans are from me attending several schools ; XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX.
Consumer complaint received 2018-08-15
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. (NY)

I have a XXXX XXXX account that is : -Reflecting credit cards that I do not own, have never opened, belong to someone else, and are damaging my credit rating on both Transunion and XXXX There are three new credit inquiries on my credit rating accounts with Transunion and XXXX- I have not applied, requested nor have I given consent for these inquiries. 

My credit rating has dropped almost 40 points in a week. 

I have never applied, used or owned these cards : XXXX XXXXXXXX Last reported : XX/XX/2018 XXXX XXXX XXXX Last reported : XX/XX/2018 The following inquiries have been made on my account without my request or permission : Inquiry details : XXXX XXXX XXXXXXXXXXXX XXXX Inquiry from XX/XX/2018 Complete Dept. Stores XXXX Inquiry from XX/XX/2018 XXXX XXXX Inquiry from XX/XX/2018 Personal Loans Cos.
Consumer complaint received 2018-12-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company (TX)

IN REGARDS TO : MERCHANTS CREDIT GUIDE CO. 
XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, ILLINOIS XXXX THIS IS MY SECOND TIME ASKING FOR VALIDATION OF DEBT AND HAVE YET TO RECEIVE ANYTHING!!!! I was wondering why the furnisher is reporting this account as accurate when they dont have legal status to do so. 

I would like to let your company know that I am disputing your claim. The account was opened fraudulently and forgery was committed and the account does not belong to me, and if you can not provide me with a contract or documentation of agreement that has my signature then remove the negative item immediately. 
Under the FDCPA, I am allowed to request validation for a collection. As you know, not complying with FDCPA will put your company in a bad position with the FTC and CFPB. 
I am asking that your company supply me with a copy of the following : 1. Proof that you either own or were assigned the debt from the creditor. 
2. Proof that you have the right to collect this debt in my state. 
3. Proof that your company carries a bond.

4. Proof of how your company assessed the outstanding debt.

5. Payment history from the original creditor.

6. Name and address from the original creditor.

7. Copy of the original contract bearing my signature.

8. Chain of title on this debt.

9. Proof that you can collect this debt from me.

10.Do you own or is this debt assigned? 
11.Copies of all letters sent to me from you the original creditor regarding this debt.

12.How much did you buy the debt for?

13.When was the last date a payment was made on this debt?

14.What fees/interest was tacked onto the debt?

15.How were the fees determined? 
ONCE THE ACCOUNT HAS BEEN PROPERLY INVESTIGATED AND VALIDATED AND VERIFICATION THAT I'M RESPONSIBLE FOR THE ACCOUNT I EXPECT A RESPONSE.
Consumer complaint received 2018-12-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

On XX/XX/18, we suffered significant flood damage as a result of a defective toilet. After handling the claim with our insurance company, we endorsed a claim check over to Pennymac on XX/XX/18. They required that a significant number of documents be completed before any funds would be distributed to our contractor ( XXXX ) for repairs/restoration. Although we understand the need to assure that contractor is reputable and work is completed in a satisfactory manner, PennyMac sat on the funds, claiming that we had not provided the contractor 's bonding information and their contractors license. They were told multiple times that the Certificate of Insurance was sufficient, and bonding was only required for commercial contracts. We also told them multiple times that Texas does not issue contractors licenses for residential work ... only for work involving government entities. Finally, on XX/XX/18, a check was issued to us. We were having to live out of boxes, confined to one room in the house, with no furniture. We requested final inspection for completion of all repairs on XX/XX/18. After multiple follow-ups, an inspection was finally completed and the final inspection was approved on XX/XX/18. Their website indicates that funds are sent within 6 business days of final approval. I called on XX/XX/18 to request status of the final funds payment, and was told that the 6 day period does not include a process for reviewing the final check and cutting the check. They indicated that the check had been requested and would be mailed to us within 3 business days. Today, XX/XX/18, we still do not have the final check so that we can pay the remaining funds to the contractor. I have also had repeat problems in the past with inaccurate escrow computations ( and overpayments to taxing authorities ). PennyMac is terrible. Also, I believe that they engage in the behavior they have engaged in with the claims payment process so that they can " float '' on the funds for as long as possible before issuing payments. Please investigate these folks. There are numerous complaints regarding PennyMac.
Consumer complaint received 2018-08-15
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: TD BANK US HOLDING COMPANY (TX)

I call the credit bureau about the inaccurate inquiries on my report. Their response was that i had to call the company who did the inquiring. Well i did call them right away and they said they would take care of it. They would not send me anything saying that they knew the inquiries were not mine or invalid. I then called the Bureau back and they said there was nothing they could do. Its been over 2 months still no answer. These are the companies and the dates of inquire. XXXX XXXX - Date - XX/XX/XXXX. XXXX XXXX XXXX - Date - XX/XX/XXXXXXXX - XX/XX/XXXXXXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXXXXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2018-08-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I had repeatedly asked the company to send me proof that I owed the debt and they refused to send a letter stating they sent to to an old address. They also cursed me out, called me names and said I would be arrested if I didn’t pay them. I asked for a certified mail to prove I owed the debt. The collectors sounded like scam artists and asked for my social security number, mothers maiden name, birth place and bank account information. They could not provide me full information of the debt and they refused multiple times to verify the debt with me and send me a letter so I could pay the debt with a money order and not my personal bank account
Consumer complaint received 2018-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION (FL)

In XX/XX/2018 I opened a credit card account with Regions Bank in response to a special offer. My first statement was due XX/XX/2018, I made a payment on XX/XX/XXXX of {$1100.00} which was total balance due. At that time I spent an unusual amount of time attempting to set up an Auto-Pay on the account. The site is balky and non- intuitive. I called the bank to make sure the account was set up for Auto Pay. That call took over 45 minutes of wait time to talk to a representative. I was told that the account was set to pay full balance on the due date from my account at XXXX XXXX.

The second payment of {$70.00} was made on XX/XX/XXXX and another {$3.00} was paid on XX/XX/XXXX. Then the Auto Pay stopped working. I travel extensively in the summer and fall months, often with no phone or internet service available, which is why all my accounts are set to Auto Pay.

On XX/XX/XXXX I discovered Regions had reported me delinquent having missed two payments for a total of {$11.00}. My credit score was decreased 129 points in one day. I called Regions and opened a dispute and paid the due balance. That reference number is XXXX.
Consumer complaint received 2018-08-28
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: Experian Information Solutions Inc. (OH)

I recently pulled my credit report and I noticed fraudulent accounts that were open undermy name I have never applied for these accounts. I have filed for identity theft report with ftc for these accounts.
Consumer complaint received 2018-09-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Preferred Collection and Management, Inc. (FL)

I called and wrote to this collection company representing XXXX XXXX XXXX XXXX. 
I sent all my medical insurance Ids. I ask for a break down of the billing. receipt of payments from whom balances. I wish to pay for the correct amount. Need to know in clear written language who owes what ... I am not a accountant and cant read all these scribbled notes. 
Perferred Collection and Management services Tel XXXX Reference # XXXX Client Acct Number XXXX Amount Due {$81.00} DISPUTED
Consumer complaint received 2018-09-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

OnXX/XX/2018 I wrote to CFPB regarding Portfolio Recovery regarding 4 debts that were placed on my credit report. Two were removed and my score went up to XXXX. On XX/XX/2018 they placed another two debts with XXXX that reduced my score XXXX points. These debts were the ones I originally requested documentation for. I have no knowlegde of the debts and have requested written proof on several occasions. This attempt to collect and to destroy my credit without providing written proof should be illegal. How many times are they allowed to do this?