davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-22
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Delbert Services (NJ)

I have now XXXX companies, XXXX claiming to be a legal processing center ( goes by XXXX XXXX XXXX ) and the other claiming to be a pre-trial intervention company ( whose phone number appeared on XXXX ), both stating that they will submit my " case '' unless I pay them " restitution '' or I will face charges including theft by deception and fraud, stating that I 've gone against federal banking regulations for payday loans that I have received many years ago. They state that I must pay immediately or the case is leaving their office, for my district court house, that same day. Both offices have stated that they do not accept checks, due to bad check issues, nor do they give out and physical address, for safety concerns, and will only mail me something upon completion of payments. I have also done an online chat with a legitimate law office about this matter, that attempted to call their phone numbers and says that they are most likely a scam. i am not sure what to do or how to verify that they are both definitely a scam as the XXXX legal processing company has also contacted my family members, discussing this matter and have threatened my mother, stating that her name is on these documents. I was only able to obtain a XXXX XXXX number from the XXXX company, as neither has a website or any contact information other than a phone number. I feel that I was also victimized by the XXXX company 2 years ago in a similar scam regarding this same payday loan, which I did pay them for fear of legal charges, again from many years ago. This new pre-trial intervention, which only has the name XXXX XXXX, also yelled at me and hung up on me, after me questioning their valid existence. I have received nothing in writing or in the mail from either, they stated only the court summons or arrest warrants would serve as documentation, also this loan does not appear on my credit report.
Consumer complaint received 2016-05-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion fails to remove the XXXX account. Transunion reports incorrectly this account is paid monthly. Transunion reports incorrectly the date of first delinquency. Transunion fails to verify the authenticity of this account. Transunion reports incorrectly that I must bring this account current even though I received a XXXX XXXX XXXX XXXX Cancellation of Debt from XXXX. Transunion continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Consumer complaint received 2016-05-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion fails to remove the XXXX XXXX XXXX account.Transunion reports incorrectly the date of first delinquency. Transunion fails to verify the authenticity of this account. Transunion continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Consumer complaint received 2016-02-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Yesterday I received in the U.S. Mail a letter from " TransUnion '' credit bureau that still had under " Adverse Accounts '' a debt collection agency by the name of " Enhanced Recovery Company '' ; XXXX. XXXX XXXX ; XXXX, FL ; XXXX ; XXXX. Under the " Original Creditor '' space it states : " XXXX XXXX. for $ XXXX. '' I have always had " XXXX XXXX XXXX XXXX. '' for the last 22 years. So I am the victim of Identity Theft with this false " XXXX XXXX. '' debt. I called up " TransUnion '' and they still refused to " Delete '' this Identity Theft entry.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-06-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Status of my Account reported to the XXXX credit bureaus XXXX not what was promised in my settlement agreement with XXXX Bank - Status currently shown as " Charge Off '', Settlement Letter Stipulates " Settled in Full '' XXXX XXXX Bank through its designated agent XXXX XXXX sent me a settlement offer stating if the amount requested was paid, my account would be " settled in full '' I paid the amount and met my side of the agreement. To this date, XXXX Bank is saying they do not have to report the status of my account as " Settled in Full '' I feel I have been defruaded by a bait and switch tactic taking advantage of someone just coming out of 4 years of unemployement due to the recession and trying to clean up the damage to my credit caused by unemployment ; offers to report the status positively as " Settled in Full '' to get the money and after recieving the money reneges on their agreement letterSee attached letters
Consumer complaint received 2015-06-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

The credit reporting agency continues to show inaccurate and/or erroneous information on my credit report, which has impeded my ability to secure the most favorable credit terms on credit cards, etc.

The following are a list of inaccuracies/erroneous statuses still showing on my credit report:

1.) XXXX shows a late payment status. As per my XXXX complaint; and the documentation to go with that complaint, it is XXXX that has mis-managed the escrow, and as a result, caused the account to appear to have fallen behind. I have always paid according to the agreement(s) I've had with XXXX.

2.) XXXX. This account was never opened under my social security, yet the credit reporting agency continues to allow this inaccuracy to remain on my account in violation of the Fair Credit Reporting Act, et. al. It is in fact a business account, not personal, and thus, should have never appeared on my personal credit file. 

3.) The education loans have all been cancelled/forgiven, and thus, should be removed from my credit report.

4.) Any inquiries, two or more years old, should no longer be showing on the account

Finally, there should be no new accounts, except a car loan via XXXX, showing on my record.
Consumer complaint received 2015-08-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: American Coradius International LLC (AZ)

A representative from American Cordalis called this number XXXX. The person they are seeking collection does not live here. The person they are seeking collection has a common name and may not be the same person who previously lived here. When XXXX of the tenants answered the phone the XXXX time, he assumed it was the person who previously lived here, informed the representative that the person was burned out of their current residence due to a fire and had no number, and requested that they not call the number again. From what the tenant indicated, the representative agreed to stop calling. A XXXX call occurred. The phone calls have also occurred right before XXXX. The tenants feel harassed and have no outstanding debts.
Consumer complaint received 2015-12-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (OH)

First Merit Bank is harassing me now because I previously filed a complaint against it with the CFPB. Earlier this year I closed my account with First Merit Bank. I also filed a complaint with the CFPB because the Bank erroneously and fraudulently kept part of my balance. Because of my complaint, the Bank gave me the monies due me. Now, on a letter dated XX/XX/2015, the Bank writes that my CLOSED account was overdrawn on XX/XX/XXXX. Because the malicious and fraudulent action by the Bank to make my CLOSED account overdrawn LONG AFTER it was closed, it is reasonable to conclude that the Bank is RETALIATING against me. The Bank, by its malicious actions, is now ruining my credit history, which was perfect without any overdrawings while the account was open.
Consumer complaint received 2016-10-21
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: National Credit Systems,Inc. (WA)

National Credit System is continuing to report misleading and inaccurate information on my credit report. Which is a tatic used to keep my credit score low. Account reporting ONE MONTH TERM, How is this possible? I never enter into any contract or signed any documents with this collection agency. They have no right the furnished any information on my credit report. I never gave them any permission. They should be shut down. They are taking advantage of XXXX VETERAN like myself. They are adding XXXX to my life and is making it impossible for me to obtain credit. I have only few weeks to buy a home but National Credit Sytems is making impossible by reporting misleading and inaccurate information or my credit report. 

All data reporting must be 100 % accurate, 100 % verifiable and 100 % timely or it must be DELETED. PERIOD!!!!
Consumer complaint received 2016-05-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CO)

I Received a current escrow analysis 2 days ago from Wells Fargo Bank. It showed that my projected and actual insurance premium was {$360.00} annually from XXXX XXXX, XXXX to XXXX of XXXX. The truth was that XXXX had sent Wells Fargo Home Mortgage a Notice of premium increase to {$390.00} on XXXX XXXX, XXXX, which was processed & Wells Fargo who issued XXXX a batch check confiming on XXXX XXXX, XXXX notice and receipt of payment from XXXX was completely ignored by Wells Fargo XXXX and they chose to continue to use the old XXXX premium amount, {$360.00}, through all of XXXX and through XXXX of XXXX. Wells Fargo made a mistake and XXXX different agents even argued with me saying they had not been informed of the premium increase in XXXX. Wells Fargo.needs to be responsible and pay what is owed, not me. According to XXXX I am paid up and owe nothing more for the next year. I am confident that during the past 15 years or more I have paid money to compensate for Wells Fargo Home Mortgage 's errors or intentional negligence. I am a XXXX and I wish to sue them, for non compliance and straight out lying and blaming others for their own neglect and sending out incorrect information. I want to be compensated for all of the time I have spent attempting to get to the bottom of the mess and of course we know who was found at the bottom, no one but Fargo Home Mortgage, They take advantage of their own employees with low pay and high demands and they view poor people and working Americans as walking dollars which they can easily collect more money from daily for just about any reason, whether true or false, I will add the files from XXXX showing their premium notifications to Wells Fargo when I receive them next week, .Thank you. XXXX XXXX XXXX. 

XXXX XXXX XXXX
Consumer complaint received 2015-10-08
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (OH)

I have been having problems with Navient Private Student Loans. Every time I contact them to provide me with information and help I am told one thing by one person. I call back to speak with that same person and I have their extensions and id numbers but I am always transferred to someone new and they say that I am unable to speak with the previous person. I have been told several things about lowering my bill all have been different from the last. I am unable to pay the insane monthly payment of {$1300.00} they said they could lower to just interest payments at {$1000.00} something. I was told they could even lower that but I would have to wait until my bill is 1 day past due or more so I would be in default then they could lower my payments. I asked if they could just do it now and the last XXXX people have told me that I have to skip a payment in order to do that. The first person said I could lower it to only {$700.00} a month for the first 12 months which would help out the most but now they are saying not guarantees and that I can not even be assessed for that until I am past due. They are charging extremely high interest rate ( 12-14 % ) and I do not even remember agreeing to those high of terms. Something seems very off about the whole thing and process they are taking. I talked to them about doing a debt settlement because i had contacted a law firm, XXXX XXXX, and the debt settlement payments would only be {$1000.00} a month so way lower than Navient. All of my loans were done through XXXX XXXX and now it says Navient.
Consumer complaint received 2015-04-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

B of A misapplied my early payments to principal paydown, then dinged me for late payments. Between XXXX/XXXX/15 and XXXX/XXXX/15, a CSR named " XXXX '' advised they would fix it and told me to send in {$100.00}. Later B of A still hit me for a late fee and did n't fix it. On XXXX/XXXX/15 I requested a pay off demand. B of A had another late fee included in the payoff of {$130000.00} as of XXXX/XXXX/15. I complained and on XXXX/XXXX/15 I spoke with an XXXX at " XXXX '' who said he would resolve my demand that they remove the {$38.00} late fee. B of A then re-issued the payoff demand on XXXX/XXXX/15 for {$130000.00} as of XXXX/XXXX/15 XXXX yes ~ {$180.00} higher! ) I called and complained. B of A ignored me. I spoke with a XXXX XXXX on XXXX/XXXX/15, who said he would resolve the issue. He never did, i called and left about XXXX voicemail messages for him over the next 3-4 days and he never responded. I also left XXXX vm messages for " XXXX '' who was purportedly XXXX ' supervisor at XXXX, he never called me back. I also left vm messages for " XXXX '' at x XXXX, he never called me back. 

I spoke with an XXXX XXXX on XXXX/XXXX/15 at around XXXX, she was unwilling or unable to resolve the XXXX {$180.00} problem. 

I was forced to overpay in the payoff demand, as the property was being sold. 
In addition, i made an inadvertant extra payment to B of A after the property was sold. 
I never received any accounting as to the overpayments and would like a full accounting. I received a check back but i believe this was only for the credit balance in the escrow account.
Consumer complaint received 2016-11-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (UT)

I currently have XXXX student loans with Navient. I contacted them to see about consolidating these loans and lowing my interest rate that at the times were 6 % 5 % 4 % before finding another company. About a month later my interest rates were raised to 8 % 8.5 % and 6.75 %. I feel like they did this to make as much money as possible with the information that I maybe refinancing with another company.
Consumer complaint received 2015-04-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

My bank of america accounts were closed ( checking and savings ) forcibly and no reason has been specified. I even got a letter saying that any remaining balances would not be returned. I had balances of nearly {$740.00}. 
I was given a phone number of a person from Security Department ( XXXX - XXXX ), tried many times in last week to reach that person. Neither anyone lifts the phone nor returns my calls/messages. 
I tried to call the customer service again to find out if there was any other person whom I can talk to find out what happened to my accounts. They would only ask to keep calling the above number and there is nothing anyone else can do anything about my accounts/money in them. 
This is so frustrating and annoying. Such irresponsible and anti-customer behavior.
Consumer complaint received 2016-12-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I went to apply for credit at XXXX XXXX XX/XX/2016. I usually get a text message letting me know that I applied for credit. However the inquiry went to my husband 's text message, and credit. I do n't understand how my information when I put in my social security number is going to my husband 's credit report. This should not be happening. I contacted the Credit Reporting agencies and they are not doing anything about it. I want them to fix them immediately. This is affecting me and my husband 's credit report. When I put my SSN in for credit it should not be reporting to my husband 's credit report. XXXX also changed my husband 's name to my name on his credit report. This is illegal, we never gave them authorization to change my husband 's name to my name. I need all of this cleared up from happening again. This is causing us a lot of problems with our credit. There are inquiries on my report and my husband 's report that does n't belong there because of this. They are reporting my inquiries on his report and his on mines.
Consumer complaint received 2015-07-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

Dear Sr. or Madam, My name is XXXX XXXX .My loan was with XXXX XXXX XXXX . I try to modify my loan while with XXXX XXXX XXXX and they denied me because I do n't live in the property. I lived in this property ever sense I bought it. Loan was transferred to Seterus account # XXXX. Property location is at XXXX XXXX XXXX XXXX XXXX Ca XXXX. When my loan was transferd to Seterus they paid my taxes on XXXX/XXXX/15 in the amount of {$4200.00} when my payment was already in and on time. I paid according to Seterus {$870.00} of late fees for taxes being send late.. I do n't understand why I 'm paying late fees for. I was sending so much money to this account for taxes and they would put it in suspense. I tack to supervisor and I get their promise that they well put my money where they suppose to. 
There were XXXX occasions that they told me that they taken money of {$240.00} from escrow account to satisfied to late fees. All late fees have bean removed and now I do n't know what happen to that money .All the money I was sending was deposited as a suspense deposit. I was calling them so many times an order to be told that they ca n't reverse the transactions done before. I need all suspense money that was applied to principal to be moved to pay taxes and balance to be send back to me. I want to know what happened to money that they were taking out from escrow to pay late fees. After that late fees were removed from my account where the XXXX x2 went to.They told me that they paid my house insurance. I called insurance company in order to be told that they did n't get money from escrow account. I called Seterus to ask what happened to my money they said : '' We paid for the the balance of your taxes. I have no idea what they are doing. Please help me clear this mess with them so I can have my life back. This is taking so much of my time. Your help would be greatly appreciatedSincerelyXXXX XXXX XXXX XXXX XXXX Ca XXXXPlease fine enclosed transaction history : exibit # XXXX transaction history
Consumer complaint received 2015-11-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NJ)

On numerous occasions, I 've disputed an incorrect filing date for a judgement that appears in the public records section of my credit report. The actual filing date is XX/XX/XXXX, but my credit report reflects a date of XX/XX/XXXX ( which is the date the judgement was issued, not the filing date ). The XXXX XXXX court system keeps confirming the incorrect date so I obtained an official copy of the docket and forwarded it to the XXXX credit bureaus for an internal review. Thus far XXXX of the XXXX have made the appropriate adjustments. Equifax attempted to make the changes but keep reverting back to the same incorrect information. I have complained and re-investigated the item with them on numerous occasions to no avail which leaves me to file a consumer complaint and possibly a complaint with the FTC if corrective actions are not taken.
Consumer complaint received 2016-10-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

This company, XXXX XXXX in XXXX, Illinois, have made fraudulent charges using my name and social security, in which is reporting inaccurately on my credit report. I have filed complaints to this company and the credit bureaus and they have not responded. This company is under a lawsuit against other tenants that they have committed this unlawful act to. I have attached a Class Action Suit against XXXX to prove my claim. This account is showing as a negative account on my report, it is inaccurate and it is affecting my military career, in which I can not progress until it is deleted permanently.