davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-18
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: Experian Information Solutions Inc. (SC)

I sent Experian via certified mail my first letter datedXX/XX/2023. I stated to them that I checked my consumer report and found inquiries that I did not authorize on my report. I stated the following in my letter : I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

After no response I sent my 2nd letter dated XX/XX/ via certified mail, which they signed for XX/XX/2023 I again reported the unauthorized and fraudulent credit inquiries and requested they delete them. I also attached my DL, SS card and proof of residence to provide proof of my identity. After 60 days they neither marked the accounts as disputed or sent a reply to the residence that I provided. This is in direct violation of federal and state law as I, the consumer am legally allowed to dispute all errors on my consumer report and they have failed to investigate or respond to my certified letters as required by law.
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

BELOW INQUIRIES WERE DONE ON DATES STARTING IN XXXX AND CONTINUING UNTIL XX/XX/XXXX. I DID NOT AUTHORIZE ANY OF THESE DURING THESE TIMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MI)

Accounts - XXXX, XXXX, XXXX were closed due to identify theft but for some reason they are still in XXXX XXXX XXXX XXXX XXXX and they keep harassing me over it. Called XXXX and Enhanced Recovery Solutions said they could not talk to me about accounts. Just want these taken care of and proof that they were taken care of. Also Verified that there were taken care of over 2 years ago with XXXX XXXX XXXX but due to lack off communication they stayed open through 3rd party collectiuons.
Consumer complaint received 2017-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (PA)

As someone who lives paycheck to paycheck there are always more bills at the end of the money however in a 6 week period TD BANK has charged me over {$800.00} in overdraft fees virtually ruining my ability to pay my bills as {$800.00} is more than 1/2 of a paycheck. They refuse to forgive any of it. I have overdraft protection but bills that would have cleared with no problem did NOT and I was assessed more fees. On XXXX XXXX {$35.00} XXXX XXXX {$35.00} XXXX XXXX {$70.00} XXXX XXXX {$70.00} XXXX XXXX {$35.00} XXXX XXXX {$70.00} XXXX XXXX {$35.00} XXXX XXXX {$35.00} XXXX XXXX {$170.00} XXXX XXXX {$35.00} This is BEYOND abusive and research has indicated that TD Bank has already had complaints and judgments against them for this type of abuse. As a result of this I have had to use credit cards to buy something as small as a pretzel because I have no cash and am petrified to use my atm card. PLEASE PLEASE HELP ME!!!! I want these fees refunded and then I plan on changing banks. I have already tried to switch banks but TD does not seem to want to release my money. I will be happy to supply you with my account number so that you can investigate this thoroughly.
Consumer complaint received 2017-09-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (FL)

I accepted a settlement offer to make 12 consecutive payments of {$49.00} to settle my debt. It was agreed I would send in a money order by the XXXX of each month. I made a payment each month beginning XX/XX/XXXX. XX/XX/XXXXpayment was shown delivered at XXXX XXXX on XX/XX/XXXX. The company states they terminated my agreement because the payment did not post to the account until the XX/XX/XXXX. I  have all documentation and yet the company will not honor the agreement.
Consumer complaint received 2017-07-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My name is XXXX XXXX and I currently have a Business Account with Bank of America, " XXXX XXXX ''. I have over {$5500.00} of overdraft fees in the last three months and a  larger amount totaled over the span of being a so called " Loyal Customer ''. I believe their is a flaw in their XXXX XXXX, which they have purposely planted, that manipulates personal accounts also called in the business world as " Petty Pinching '' where they attack small account with petty amounts at a time where there is no option for the customer to regain their money. This amounts to over millions of accounts, which ( {$35.00} ) simple overdraft fees could help with their corporate stocks immensely with free money stolen from their own customers. I need help suing Bank of America for my money back and to stop " Petty Pinching '' from affecting others in the future. They are aware of this buy either play XXXX or are blind to the situation from the inside of their corrupt corporation. I also believe that with the help of some tech savvy guys they could find the exact flaw in the system.
Consumer complaint received 2017-09-18
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. (TX)

On XX/XX/XXXX I received news that Equifax ( Company ) had went through a cyberattack. I have viewed the Equifax website for more information, and enrolled in the Equifax security breach mechanism. This latter part was to determine if my social security number was compromised. I received a message confirming my SS compromise and, subsequently, attempted to place a 90-day initial fraud alert on my SS account. However, the website was unable to do this as it is under high stress attempting to resolve the issue for millions of people ; I will have to wait until a later date to refill the initial 90 day fraud alert. Next, I attempted to view my credit score at XXXX, but was unfortunately greeted with the message that they were unable to fulfill my requests. I believe they too are under high stress resolving issues for millions. And so, I come to you now, filing a complaint : I would like to place a initial 90 fraud alert from Equifax, XXXX, and XXXX on my SS account. I have reason to believe my SS account has been compromised.
Consumer complaint received 2017-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (OR)

Wells Fargo Home Mortgage failed to send me a notice that my payment was due like they usually do and then charged me a late charge. 

On information and belief, they often fail to send the payment due notices in order to make additional fees on rush payment charges and late fees. 

Worse, XXXX different employees at Wells Fargo Home Mortgage told me they WOULD remove the late charge, but then on XXXX XXXX, XXXX they sent a letter saying they would not remove the late charge. 

This delay, obfuscation, and attempt to mislead a consumer was apparently done to confuse and make consumers lose their documentation regarding the issue.
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

This is an account that is not mine, I 've disputed, I 've produced paper work from the XXXX. They will not remove this account from my credit file. I have no knowledge of what the bank is where it is, if it even exists where I live. I 've never heard of the company and whats most confusing is there is a XXXX balance. this is negatively impacting my credit file and it is not my account
Consumer complaint received 2017-09-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NC)

I took out a significant amount of student loan debt to attend XXXX XXXX ( XXXX ). One year after starting my XXXX XXXX, I applied for income-based repayment in anticipation of completing ten years in public service to qualify for the PSLF program. I started my payments in XXXX XXXX. I submitted employment certification forms in XXXX XXXX. Only my last two loans for XXXX XXXX qualified. And each of those two loans only had a 14 months and 5 months of my XXXX  payments counting towards the total, whereas it should be 24 months ( since I paid IBR for 24 months during my residency ). Therefore I called FedLoan to check on what was going on. 

I talked to one person this morning, who told me that only the two loans from my last year of XXXX XXXX qualified. He told me that I needed to consolidate my previous loans for them to qualify for PSLF. So he transferred me to a different department, who then told me that once I consolidated, all of my previous five years of payments could not count at all and that the countdown would restart at ten years. 

Needless to say, I was quite irate. I had been told by multiple parties that I should NOT consolidate because it would disqualify me from PSLF and the protections afforded from it. FedLoan took over the majority of my loans when the recession started in XXXX, so I ( wrongly apparently ) assumed that the loans were all under the same roof, so to speak. The entire process of PSLF has been very vague and cumbersome. 

This is not working. And I feel as if I am being screwed over. Any help would be greatly appreciated. Thank you.
Consumer complaint received 2017-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: DISCOVER BANK (MI)

To Whom It May Concern:

About XX/XX/XXXX I started getting $2,000 to $5,000.00 charges on my credit cards a month from a cosmetic company! I would contest these charges; they would be dropped only to show up on another card the next month! This XXXX went on for years, could not get through to the people in XXXX that I am a man and do not use cosmetic. After 6 to 7 years of this XXXX the charges stopped! Then Discover stated the $4,000.00 to $8,000.00 transfers from card to card.
With late fees, overdrawn fees, fees on top of fees. I stop using all their cards in XX/XX/XXXX except XXXX. They stopped charges.
Well in XX/XX/XXXX, I was informed that my claim for XXXX from Social security and the Veterans Administration was approved< but is seems that the insurance company or the credit card company were informed of this before I was and canceled my XXXX and XXXX insurance. I sat down and figured how much I did owe them and stop paying when I hit that amount.
Consumer complaint received 2017-07-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (CA)

This debt was removed from my credit report over a year ago by the same creditor but it has now reappeared. I sent a dispute regarding the deletion and it 's still appearing on my XXXX repair. The company is XXXX XXXX XXXX but original debtor is XXXX XXXX.
Consumer complaint received 2017-09-18
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 pulled my credit to find out there is a repossession of a vehicle linked to my name and personal information. I have never purchased a vehicle and would like this deleted from my credit files immediately. I have contacted the company and was advised I appeared as a consigner to a vehicle and that the car had been repossed. I have no knowledge of this and would demand this be deleted immediately from all my credit files as this information is innacurate and misleading as it 's fraud. I am requesting the company to provide proof and they ca n't provide anything that I opened this account such as id state issued, driver license, passport, social security card and they have none of this on file apparently
Consumer complaint received 2017-07-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc. (NC)

In XX/XX/XXXX I received a bill for {$190.00} for ER services. Since I had not too long moved to XXXX NC I assumed it was my local and nearest hospital and they had sent the bill in error. I then went to the billing department at the hospital and they told me they did not have me as receiving services on that date. In addition, that I was not even registered as a patient in their system. A few months later, I received a letter from SCA collection agency in XXXX NC, stating that I owe the same amount {$190.00}. I discussed it with the rep and told them that I did not owe that money and that I do n't know who could be charging me that being that the hospital does not have me in their system as receiving services. That is because I never went to the hospital on the date they 're claiming that I received services XX/XX/XXXXorXX/XX/XXXX ( bill not clear ). Early this year while checking my credit report I realized that SCA was negatively reporting on my credit and is the only negative mark on my credit report. Little did I know, they had already been reporting for some time. Which brought my credit score down. Sometime in XX/XX/XXXX or early XX/XX/XXXX or XX/XX/XXXX, I called SCA. I spoke to a Rep and shared my findings, in regards to the hospital not having me as receiving services in the ER or anywhere else on XX/XX/XXXXorXX/XX/XXXX ( bill not clear ). I then went ahead and filled out a dispute form on SCA 's website. In general, I stated that this was not my bill, to validate or immediately remove from my credit report. I received no response. To be 100 % sure that this bill did not miraculously pop up in the hospital computer system, I went back and spoke to billing XX/XX/XXXX. A woman in the billing dept said the hospital which is XXXX XXXX XXXX in XXXX XXXX ( XXXX XXXX XXXX ), does not use SCA for their collection services. Further more, she reiterated that they did not have me in the system as receiving services on that day XX/XX/XXXXorXX/XX/XXXX ( bill not clear ). She also said it could have been an ER Dr billing me, but since there 's no evidence of me receiving ER services on XX/XX/XXXXorXX/XX/XXXX ( bill not clear ), it could not be possible. The collection agency Rep was not helpful at all and they are still reporting. To make it clear, I know that I did not go to the hospital or ER for any services on XX/XX/XXXXorXX/XX/XXXX ( bill not clear ). The hospital does not have any record of me receiving services on XX/XX/XXXXorXX/XX/XXXX( bill not clear ). However, there is a bill in collections stating that I owe XXXX XXXX XXXX XXXX for services received on XX/XX/XXXXorXX/XX/XXXX ( bill not clear ). and I have not received any services from anyone that deals with SCA. SCA is reporting fraudulently on my credit and refuses to validate or remove. Please help.
Consumer complaint received 2017-09-18
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Acceptance Solutions Group, INC (OH)

XX/XX/XXXX of this year I took out a loan with this company. Things feel apart after, They began to take money out of my account on a random basis and multiple times a week, I had to contact my bank, file a fraud report with them. I filed a BBB compliant as well. I had to change my debit cards and my checking account information. This company took money from me ranging in amounts of XXXX to XXXX per week. I have correspondence from all of this including the BBB incident number XXXX. So over the weekend I get a letter they have turned me over to collections for this huge amount. I am beyond upset, I do n't owe these people money, they took advantage of me, and now to have them attempting to collect this is horrible. I have submitted to the collection agency who is Law Offices of XXXX XXXX and their number is XXXX.
Consumer complaint received 2023-07-18
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 (HI)

I purchased an item from XXXX for {$52.00} on XX/XX/XXXX. The item did not come with all of the advertised accessories. XXXX found my claim valid and accepted a partial refund or full refund with return of the item. I chose the full refund option. I followed all protocols provided to me, including shipping it on my dime, after being reassured I would be reimbursed for the cost ( {$14.00} ). XXXX later denied my claim, offering me no refund. 

On XX/XX/XXXX, I filed a dispute with Capital One. They gave me a temporary credit for the amount. 

On XX/XX/XXXX, they denied my claim and reapplied the charge, asking for more information to continue the dispute. 

On XX/XX/XXXX, I faxed Capital One pictures of how the item was not as described, messages between the seller and me, as well as proof that I returned the item. XXXX locked all information regarding this purchase when I disputed the charge, making it difficult to obtain the information Capital One was asking for, but I provided everything that was possible for me to obtain. 

Later that day, I received a denial from Capital One saying that " it lacks all of the previously requested information needed to validate your dispute '' and my case was closed.
Consumer complaint received 2017-07-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

PORTFOLIO RECOVERY XXXX XXXX XXXX/XXXX XXXX  XXXX XXXX I am writing to request that the accounts in collection placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ),. I am a victim of ID Theft a Government agency has confirmed this fact. I did not receive any benefit from these accounts. There is no need to request for further identification Portfolio Recovery and XXXX is again violating the Fair Credit Reporting Act they claim to verified these accounts yet have not sent Any Verifiable proof.
Consumer complaint received 2017-07-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (AZ)

All, Navient is a very corrupt company. I have been paying on my student debt since I graduated in 2007 and it has been 10 years. When I first got out of college I had to pay payments of $ 600- $ 700/month and the balance was n't going anywhere and still remained above {$100000.00}. Only when I was laid off and after several harassing phone calls from Navient which was XXXX at the time was I finally able to get themt o lower the interest rate from 5.25 % to 1 % and was late paying one payment and they jumped it up to 2 %. I have still continued making payments with an increased amount from {$400.00} to {$450.00}. Recently my contract ended with my employer and I am currently unemployed and actively trying find a permanent position. I finally discovered XXXX XXXX XXXX who is willing to help negotiate the debt except they are asking for {$730.00} every two weeks for 4 years which I obviously ca n't pay at the moment. While trying to discover new options to help pay down this debt I had to put a stop payment on my auto-pay for Navient for {$450.00} and I had to pay {$30.00} for the stop payment that last 30 days. It had n't even been 2 weeks and Navient pulled the money using a different Navient business name from my account on ( Saturday of all things ) and drained and over-drafted my account. I was of course furious when i found out and was n't sure how this happened given the stop payment and the fact that I also called them twice to have them delete my bank information and told them that I was working with XXXX to resolve my student debt. What they did is ILLEGAL to  change a business name and pull funds under another title for Navient which I was informed by my banker to how they did this. They also have me recorded for " quality assurance '' when they called me to inquire about not receiving their payment after I already called prior to inform them why I could n't make that payment and that I was working with XXXX. Navient has some nerve and because of this I am fed up with them thinking they can do what they want. I am contacting a lawyer in regards to this illegal action for charging my account without authorization and the numerous harassing phone calls as well. CFPB please contact me as soon as you can for more information.
Consumer complaint received 2017-07-24
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: EQUIFAX, INC. (VA)

My credit has been without a blemish for several years. I was a victim in the XXXX XXXX scam that affected thousands of others.Recently, I have applied and was approved for a lower interest credit card that would save me money and yet my FICO score dropped 63 points and I suffered because of it. Student Loans are high but I am current, never been delinquent and on a nonprofit forgiveness program and Income Based Payments. I have two mortgages that combined are much lower than todays ' average mortgage payment. One is a primary residence and another for a house that was inherited. ( rented out and paying for itself ) Had a credit issue about six years ago but recovered and have not been late since. Yet that all equals a lower FICO score. Yet all my debtors report good or very good. Something radically wrong with the system. Believe the system is unjust and needs revamping.