davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Trans Union. This debt just randomly shows up out of nowhere! You can see by my stellar payment history that i do not have this happen. This account is NOT MINE and belongs to someone else. I never had any account with these people. Please remove this account from my credit reports 1 collection accountTotal balance : {$1600.00} XXXX  XXXX XXXX Original creditor : XXXX {$1600.00} 0 % paid off
Consumer complaint received 2020-03-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONRAD CREDIT CORPORATION (CA)

I am being harassed by a collection agency named Conrad Credit. I have disputed this account with the credit bureaus and XXXX and XXXX have deleted the negative reports from my name. This is not my debt and I have no knowledge of it. This company is calling friends and relatives threatening them while inquiring about my whearabouts. Since this has been disputed and resolved by XXXX  and XXXX since they were unable to verify this debt they need to stop harassing my friends and family. They are in violation of my rights in California
Consumer complaint received 2020-03-12
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. (NJ)

In response of my first complain to Transunion about XXXX XXXX on the XX/XX/2020. 

On the XX/XX/2020 I called Transunion in response of their statement they made about my current mailing adress. I spook with 2 representative and finaly with their supervisor. The first representative told me that my current mailing adress is well updated, but he transfer me to the fraud department, the fraud department representative told me she couldnt pull up my account, she transfer me to her supervisor. This supervisor pull up my account and she told me that everything with my account is allready updated and that every thing is ok with my account, once again I ask her about my current mailing adress and she repeat that my adress has been always been in my transunion report, that she dont understand why on my CFBP complain Transunion stated that they dont have my current mailing adress. WELL THIS IS THE KIND OF SITUATION I HAVE BEEN DEALING WITH WHEN MAKING DISPUTES WITH TRANSUNION, NAMED AS FALSE STATEMENTS, MISLEADING AND ERRONEOUS INFORMATIONS, TRANSFER FROM ONE DEPARTMENT TO ANOTHER. I WILL KEEP AN OPEN EYE ON TRANSUNION AND START TAKING LEGAL ACTION IN LOCAL DISTRICT COURTS
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Atlas Services, Inc. (IN)

The accounts that were submitted to the Credit Bureaus are from XX/XX/XXXX for ( {$330.00} & {$330.00} ) and were submitted by Atlas Collections of XXXX, IN. The 3 bills submitted are medical bills and were included in my Chapter XXXX Bankruptcy that was Discharged on XX/XX/XXXX. One of the aforementioned bills was taken off of my credit report, but 2 of the medical bills remain on my report. I contacted my attorney 's office several times last year about the bills being on my report. The paralegal contacted the collection agency about the bills still being on my report. Since they are still on my report I went online to dispute the bills as they were already included in my Chapter XXXX. The disputes I filed have been challenged and are still there. They should have never been placed on my report in the first place and I want them removed. Why are companies allowed to place collections on the Credit Bureaus that they or the creditor they represent know that the bills are in included in a XXXX?
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX CREDIT CARD ACCOUNT NUMBER : XXXX XXXX XXXX XXXX. 
ACCOUNT PAID IN FULL AND CLOSED, THERE IS UNAUTHORIZED RE  BILL CHARGES THAT WAS RESOLVED AND SETTLE AFTER ACCOUNT CLOSURE.
Consumer complaint received 2019-10-04
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (FL)

To Whom it May Concern : I am filing a complaint with you about PHH Mortgage company. Our mortgage was sold to them about 4 months ago from XXXX XXXX. 
We decided to refinance with our local credit union with whom we do all our banking. We closed the new loan and paid the balance of loan with PHH Mortgage off on XX/XX/XXXX. After the loan was paid in full we were informed there was a balance of over {$700.00} in our escrow account that would be returned to us by PHH. As of today, XX/XX/XXXX, we have not received our payment. I have contacted them by phone at least 5 times asking them what was the delay in receiving our payment. I was told the check was issued on XX/XX/XXXX. 20 days after our closing. So, as of today it is nearly two weeks since the check was, supposedly, issued and we have not received it. I have informed several people at the company, in my many phone calls, that if my mortagage payment was as late as the check they are supposed to be sending us, they would have charged me a huge late fee of XXXX to XXXX dollars. It should also be noted that every person I talked to was obviously someone from out of the country due to their strong accents. So not only is the this company holding on to my monye they are also outsourcing our jobs. This behavior is outrageous and something should be done to prevent these financail institutions from taking advantage of consumers. As it says in the song " the rich get rich and the poor get children ''
Consumer complaint received 2019-10-06
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: Mr. Cooper Group Inc. (CA)

Again I am forced to file a compliant against Mr. Cooper. ( I have attached documentation of the previous complaint # XXXX and for the record ; this compliant is based on the same loan as the one reported in XXXX ). In XXXX of XXXX, we submitted for a loan from XXXX for our retirement home. We were denied because we have XXXX late mortgage payments reported by Nationstar Mortgage LLC ; dba Mr Cooper. Another mortified moment cause by Mr.Cooper. We immediately contacted XXXX XXXX an Escalation Agent at Mr. Cooper. Mr. XXXX assured us everything would be cleared within 30 days. We had no reason to doubt Mr. XXXX. In XXXX we received a XXXX Mortgage Interest statement from Mr. Cooper. Did they take unaccounted funds from the XXXX mortgage payoff? May I have an accounting distribution statement? I then checked our credit and discovered we still had the 2 delinquent payments. This time instead of trying to get Mr. Cooper to act with integrity and professionalism, I obtained a mortgage attorney. The letter from my attorney is attached. Mr. Cooper sent a reply on XX/XX/XXXX. As you can see ; Mr. Cooper said they would respond by XX/XX/XXXX. As of today ; XX/XX/XXXX we do not have any communication from Mr. Cooper addressing this extremely stressful situation AND we still have 2 mortgage delinquents reported on our credit report. I've looked into Nationstar L.L.C. ; dba : Mr. Cooper. I have discovered they have a real " nightmare '' customer service image. Mortgage and credit reports are a SERIOUS MATTER! The negligence and disregard displayed by many of Mr. Cooper 's " staff '' is not acceptable, maybe they need mandatory customer service training. I have a briefcase filled with documents pertaining to this loan ; which was closed ( theoretically ), in XXXX. We are less than 60 days from having to deal with this nightmare for 3 YEARS. We are only asking for this to end with Mr. Cooper doing what is legal and right! Thank you.
Consumer complaint received 2019-10-04
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. (NE)

RE : XXXX Hello, I worked with you guys to get XXXX XXXX XXXX to follow the law under the Fair Credit Reporting Act as they stood in direct violation of them and continued to report information that was fraudulent to the bureaus despite being sent 2 police reports, FTC ID Theft Report, and mountains of paperwork. Their employees we incredibly hostile and rude all throughout and I always ended up hung up, with no callback, after a total talk time of about 15 minutes with the remaining hours stuck on hold, transferred around or " reverified. '' Target has done everything in its power to make this process a literal living nightmare that never ends. Eventually, I had had enough- and thank god for the CFPB, you stepped in and shortly after I received a letter from targets " Fraud General '' apologizing and ensuring all had been corrected and all drugstores removed with credit line restored. 

I waited about a month and a half and still of the bureaus were showing incorrect info I attempted to call the number on the Fraud Generals letter and it just directed me to the main consumer line where the nightmare started all over. after a month of calling every day.. they FINALLY agreed to update it after numerous lies like " payment history is controlled by a computer system and there is no way for us to edit it, and NO you can't speak to a supervisor- then hang up, or " It's illegal for us to change that even though we know its incorrect. I have asked the bureau to check on THREE times and they all keep coming back with creditor verified the information to be accurate- no change. 

I received a letter today, XX/XX/2019 stating that as of XX/XX/2019 target AGAIN reported to them that the information they are giving is right and I am lying. I even sent Equifax all of the supporting documentation including the note from the CFPB and XXXX fraud general. The dispute denial I received today basically says they don ' care and it will remain. It is very negatively affecting my family to move out of very horrible living conditions and is preventing me from securing any more credit the start-up business I am running. I don't know how or why they can so blazingly ignore the law- please help. 

Thank You Very Much.
Consumer complaint received 2019-10-06
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: PNC Bank N.A. (WI)

I posted a couch for sale on XXXX and XXXX XXXX sent me a cashier 's check for {$1900.00}, which was much more than I was selling the couch for. He asked me to pay movers {$1700.00} to deliver the couch to him. I sent {$900.00} through XXXX to him before I realized it was a scam. PNC and XXXX were unable/unwilling to help in any way. The cashier 's check was mailed from a large office building in XXXX XXXX, and used the routing number of a XXXX XXXX XXXX XXXX in XXXX XXXX, CA. The check bounced about a week later.
Consumer complaint received 2019-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I been battling to dispute these accounts for about 5 years. It doesn't make any sense to even continue when the companies. XXXX XXXX  are some of the means people in the world right beside XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX. You can talk nice to them all day still don't mean anything. If they feel the need to cuss you out it will happen. You must treat customers with respect at all times. 

These are not my accounts and I want them deleted immediately and permanently : XXXX XXXX   XXXX, - Charge offs - Closed Account - Please Delete Permanently. 

XXXX, Charge offs - Closed Account - Please Delete Permanently. 

XXXX XXXX, Charge offs - Closed Account Please Delete Permanently. 

XXXX XXXX XXXX, Charge offs - Closed Account - Please Delete Permanently. 

XXXX XXXX  XXXX XXXX, Charge offs - Closed Account - Please Delete Permanently. 

XXXX XXXX, Charge offs - Closed Account - Please Delete Permanently. 

XXXX XXXX XXXX, Charge offs - Closed Account Please Delete Permanently.
Consumer complaint received 2019-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (PA)

I attended XXXX XXXX XXXX in XXXX, PA from XXXX through XXXX ; when I graduated. The original loan was with Sallie Mae and consolidated as of XXXX. I have been on multiple Forbearances and Deferments since the time I graduated. I am not sure if I am being fairly charged for interest and/or other fees ; based on the Payment History attached to this complaint. 

To date, the balance owed is {$48000.00} ; for 2 consolidated loans. With the amount of interest, late fees, forbearances and deferments being applied. I feel as though I will owe this Student Loan forever. I tried making payments, but my financial situation is not the best, and I can not afford payments of over {$200.00} per month. 

I am currently unemployed, and currently on Forbearance-which was approved before I lost my job. I just want to make sure, Navient is not trying to price gouge and make money off of me unnecessarily.
Consumer complaint received 2019-10-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: The CBE Group, Inc. (MD)

On Wednesday XX/XX/19 I was contacted by CBE Financial Group regarding a collection that I inherited. This debt is currently being disputed. When attempting to provide my financial summary and state that I can not afford the amounts they are demanding I pay, a representatives would remind me time and time again that if I do not get an aggreement on file that my pension will be garnished ( 25 % ) and that they did not want that for me. 

That was not the only time that they would say that to me. Nearly everytime I spoke with them I was reminded of that detail. Lastly, I explained how the debt was incurred by a significant mishap on the institution 's behalf. Nothing mattered. 

In my opinion this company is NOT professional, and is not following policy by using threatening tactics to scare people. This isn't right and I hope that someone does something about it!
Consumer complaint received 2019-10-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (CO)

I paid the debt of XXXX to Hunter Warfield on XX/XX/2019. They are reporting inaccurate debt that I no longer have, they will not return my calls as I have tried to reach them countless times. This paid debt that theyre still trying to collect is keeping me from getting an apartment. Please help. I have receipt showing I paid.
Consumer complaint received 2019-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KY)

EXPERIAN OK A DEBT BY USING A THIRD PARTY THAT I NEVER GIVE CONSENT FOR AND I WAS DENINED THE RIGHT TO ASK FOR ORIGINAL DOCUMENTS ONLY WAS NEVER GRANTED THAT AND THAT IS CLEAR AS Day in the F.C.R.A AND SUBMITTED DOCUMENTS SHOWING THAT WAS A RENTAL AND I CAN RETURN IT IF IT IS DEFECTED AND THEY WOULD NOT PICK IT UP I AM A VETERAN WITH A SERVICE CONECTION INJURY THERE ARE TWO ACCOUNTS THAT THEY WOULD NOT TAKE OFF EVEN AFTER I SHOW THE PAPER WORK THAT THEY WERE PART OF my id theif and most of thew inquiers i contactd three out of 61 and they had no ideal of the inquir so that tells you that somone is adding iinquirerys to my report over and over and experian is pulling up closed accounts and listing them as missed payments and some were in bankrupcy years ago i would just like to know how many more times do they get to do what ever they want over and over i have proved with more then my fair share of a very costly ID theif this has been going on and on and on for almost three years eather sweep my credit file with all three bureaus or help me get another ssn i have had death theats over this it needs to stop there hurting me more then the id theif by not compliying to the F.C.R.A this is not right for a veteran to be treated like this i almost payed with my life for this country and now i have to fight harder in this country to try to get back what i had no control of losing in the first place
Consumer complaint received 2019-10-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (LA)

Started with payday loan where you could pay minimum each month and part of payment was applied to fees/interest and the rest to the principal. 
Cashnet USA notified me they had a new program of a Line of Credit " LOC So I signed up for it approx XXXX or XX/XX/2019 with a initial amount of {$600.00}. 
On XX/XX/2019, Cashnet automatically withdrew their " minimum '' payment of XXXX and applied it to the loan. Upon checking days later, I saw they did not apply any of that amount to principal all just in fees and interest and now have raised the minimum by almost {$100.00} dollars to {$210.00}. 
Also of note, I did not see until they sent me the " statement '' days later they had set their " interest '' on the loan at {$130.00}. So the obvious can be seen that they make sure the hidden interest is above the minimum payment so they can take all of your payment without applying any to principal and you never pay the loan off just get deeper in debt until you can't pay it off and then having received a large amount of funds from you they can sue and get an even larger amount with attorney 's fees. 
I am a paralegal and notary and have seen this type of onerous usury before. I know they must apply at least a minimum to principal and nowhere on their site did they inform the customer that your payment to XXXX " minimum payment '' will not be applied to any principal. 
I contacted them and they simply offered no explanation or assistance. 
They called me and the " base level '' customer service clerk just rattled on and on and asked me if I understand. I told them I basically heard what they said. They made no effort to adjust their policy and did not apply any of the first payment to principal. They also said they are charging interest on a daily basis. 
They also do not provide you notice of what your payment pays before they withdraw it from the bank so you do not know what you owe until after they take money. And after that, you still don't know what you owe, where it will be placed. They said that first payment was {$90.00} for fees but never said WHAT fees. When you asked them questions, they just rattle a plethora of numbers with no meaning but never change a thing. 
This is a financial black whole. I will continue to file complaints until this company acts financially responsible. I WILL ALSO NEVER USE AND WILL ENCOURAGE everyone I know to never use CashNet USA 's products because they are financially irresponsible and their avarice is unacceptible in America.
Consumer complaint received 2019-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

For the statement for the period of XXXX, I made a payment on the full amount owe based on the statement. on the next cycle the Capital One charged my interest on the balance from the date the statement closed to the date I made the payment, even that i make the payment before the deadline. 
Only credit card company that i know that makes this kind of ridiculous charges and practices.
Consumer complaint received 2019-10-04
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. (IL)

I have notified TransUnion several times that there are inquires and accounts on my credit report that I haven't applied for, authorized nor do I know where they came from. They continue to report these accounts after being provided a police report, state drivers license, proof of my current address and an identity theft report. I am asking that these accounts be deleted and the inquires listed on the identity theft report be removed from my credit report.
Consumer complaint received 2020-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I have been very active in trying to clear up this identity theft situation im in. i have sent in reports to the bureaus to no avail. there sill remains an inaccurate account on my reports. XXXX XXXX opened in XX/XX/2012 with a {$17000.00} balance is not my account.
Consumer complaint received 2020-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently filed a report with Experian, XXXX, and XXXX of inaccurate items being reported on my credit reports. XXXX removed the above mentioned item once an FTC Report and documents to verify my identity were sent. XXXX & Experian did not. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Consumer complaint received 2020-03-03
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. (FL)

Good afternoon, unfortunately I believe I am a victim of identity theft. My information has been compromised and used to obtain goods illegally on my behalf. My credit is completely destroyed and I can't even get approved for a car now that mine broke down. The accounts that I suspect are fraudulent are XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX  and XXXX XXXX as well. Please help!!