davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-19
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. (CA)

XXXX is reporting XXXX fraudulent loans on my credit report and have refused to cease the credit reporting after several promises to do so. I have been calling and disputing this information since XXXX 2017, and for the last five months I have been lied to, harassed for payments, told false information, and basically have been running around in circles trying to get someone to actually take action and do an investigation. In the past I made payments on these loans by sending in one lump sum to the creditor to cover ALL my loans, which included those that I did take out in my name. There are XXXX loans that I DID take out in my name but there are XXXX loans that I DID NOT authorize to be taken out in my name. I am a victim of identity theft. I sent in a police report, FTC ID Theft Affidavit, and proof of identity to XXXX back in XXXX 2017. After multiple calls I did n't receive an Identity Theft Affidavit from their company for completion until XXXX XXXX, 2017. Five months later, after requesting one to be sent to be beginning in XXXX, they finally sent the form. They continue to report late payments and the defaulted loans to the credit reporting agencies after I was promised it would cease and be removed after receiving my ID Theft Affidavit. Not once has this company followed up with me. I always have to call them and when I do they always provide me with false information. I was told by several representatives that XXXX is servicing these loans and they are rejecting my fraud packet. However, whenever I call XXXX they have no record of me. This company has no regards for victims of identity theft and continue to provide me with false information and in turn are damaging my credit. I have kept a record of all communications with this company. They received a completed/notarized fraud packet on XXXX XXXX, 2017 and according to the packet credit reporting was to cease 15 days after receiving the packet, which was XXXX XXXX. They have yet to do so and had the nerve to tell me they ca n't because XXXX rejected the packet. XXXX does n't even know who I am when I call so how can they reject a packet? If anyone from XXXX actually bothered to called the XXXX number they gave me they would be able to understand that they are rejecting it because they have no record of me!!!!
Consumer complaint received 2017-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (PA)

Trident Asset Management Company  has a debt for {$8000.00}, account number  XXXX  which was removed from my  XXXX  credit report because it was an unsubstantiated debt. I am trying to buy a home and this company will not remove the debt from my other  XXXX  bureaus even though it does not belong to me and this is prohibiting me from moving forward in the home buying process. I do not owe this debt,   XXXX   verified this and had it removed in  2015 . Can you please assist me.
Consumer complaint received 2017-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

XXXX   & E xperian are reporting an old tax lien and it is inaccurate. It was a pre-lien and it should have been less than {$1000.00}. I have never had taxes that high. It was released shortly after but how is it valid they can just put whatever amount they want on your credit and its valid? The State of Ca even says it was an error.   I thought there is a new law coming into affect  XXXX / XXXX / 17  regarding public record reporting? This needs to be deleted as it is completely and utterly INACCURATE!!! NOT VALID!   a $  XXXX  pre-lien for maybe {$900.00} worth of taxes for a current year?     How can they even give you a lien for a year that has n't even ended yet so you can file taxes?
Consumer complaint received 2024-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NC)

We have paid {$3000.00} but it is still sitting as a credit amount but has not applied to the balance loan amount by Edfinancial. We have requested them many times to credit the account or refund but nothing is done. Its like our money is disappeared. if they applied, we didn't have to pay interest. But They keep charging interest. 
Is there any government body here who can help us resolve this? Edfinancial is fooling us around and not responding to any query. I have called them and talked to them many times but they kept saying they would look into it but nothing has been happening since last year. It's my hard earned money and there is no action taken yet. I am a student and edfinancial taking advantage of students loan borrowers. It seems like they just want students to be living with more loan for long period of time so they can still collect the interest. Hence they are not applying paid amount {$3000.00} towards the loan. We want the {$3000.00} to be refunded or dissolve all the loan amount. Also, they are at fault.. and we would be asking them they have to pay us the interest and whatever interest we have paid to them. Also please forgive the loan as edfinancial has given us too much trouble. Also they are holding {$3000.00} without applying towards the loan since the amount they have received from us and possibly they are using that money or they dont want to refund or apply towards the loan.
Consumer complaint received 2017-05-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (TN)

I graduated from University  XXXX   XXXX  in  XXXX . I was going to go back and get my masters but decided I could n't and they still charged me of the semester which I have paid but it does n't show on my account online?? ... This amount was about {$1200.00}. When I graduated I was told by  XXXX   XXXX  that I did n't have to pay my loans for 2 years after I graduated so I did n't. My loans were disbursed  XXXX / XXXX / XXXX  I believe when Navient took over the loans Account #  XXXX   (  see attached documents ) for an unsubsidized and subsidized which I am not sure of the two and why they equal so much!! I have had a couple of financial hardships along the way but have made my best ability to pay and cooperate with the loan process. I am now in the graduated plan which is {$180.00} ( or more if I can afford it ) a month and manageable but the problem is there is over  XXXX  A DAY added in on interest!! This  XXXX  loan already has a 6.12 % interest rate and I am being added interest daily even though I am in good standing!! I do n't understand how when I pay I get all this extra interest rate and then the 6 % is HIGH alone!! I want to pay these because I borrowed the money but why do I have a subsidized AND an unsubsidized?? ... I also just paid them over {$700.00} because I had {$500.00} in uncured interest which hey ca n't tell me where that came from. But in order for me to see my loan amount go down I had to pay that and I have already accrued over  XXXX  dollars in interest since 2 days ago!! I 'm frustrated and I really need some answers!!     Also, I have a parent plus loan that was through  XXXX   XXXX  and now through Navient that is at 8 % interest!!  (  see attached ) I was n't old enough to get this loan in my name at the time of school so that is why it is in my mother 's name but I PAY it monthly. I am not on any payment plan because it is  XXXX  a month. I do n't understand how I am supposed to pay both of these and let alone pay the  XXXX  by itself after all the interest rate that 's tacked on!!     According to the attached documents if I pay according to their payment status I would pay $  XXXX  .THAT 'S OUTRAGEOUS!!      Please help me!!! I need to get some payment plan options better than this!! Navient is so unhelpful and ca n't point me in the right direction. They told me federal loans get tacked a daily interest rate and I 'm drowning here!!!
Consumer complaint received 2017-05-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Empowerment Ventures, LLC (WA)

I contacted rushcard   XXXX   XXXX   I had been expecting my card that day or the  XXXX  with my tax refund loaded on it. When I checked the status of my refund it said it was already sent. I contactacted rushcard and they had told me my balance was  XXXX  and I had recieved my refund on the   XXXX   XXXX   XXXX   So I disputed  XXXX  in unauthorized withdraws and charges. i had never recieved the card and someone had activated it. I gave them a police report number and started my dispute I was told within 10 day my account would be credited. That never happend. on the   XXXX   XXXX   XXXX   I was told they found no error in my dispute and I had to send a hand written rebuttle letter I also did that right away they claimed to never recieve it. Here it is the   XXXX   XXXX   XXXX   and ive emailed the rebuttle letter and faxed it every day since. They are not refunding my tax return. I never recieved that card and they are not helping fix the issue.
Consumer complaint received 2017-07-17
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. (KY)

All  XXXX  reporting agencies have been contacted numerous times per year, but my ex had enough control over things that no one believed that I was me. Medical accounts with major expenses were opened in my name, cell phone accounts were opened, my credit card and old bank accounts were misused after I had   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    by his girlfriend (   XXXX   XXXX   ) of many years, making this impossible for me to fight. The abuse to my credit did n't stop after my attorney was able to put him in  XXXX . She continued until about 6 months ago. Since my credit has been ruined by them and initially spent nearly $  XXXX  to get him out of my life, I have n't been able to recover and fight this.
Consumer complaint received 2017-05-19
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (MO)

Please do not go with  XXXX   XXXX  credit card or any other deferred interest payment card. I was n't told that it was a deferred interest credit card when the salesmen told me to go with it at the  XXXX   XXXX  store. I have paid {$1500.00} in interest when I was within {$500.00} of paying the card off.   I think it 's anything with Comenity Bank is going to do this to you.
Consumer complaint received 2017-05-19
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: Scott Fetzer Financial Group Inc. (NC)

United Consumer Financial has changed the reporting status of an account included in my Chapter   XXXX  from discharged to charge-off. This has happened more than once over the last 5 years, but after disputing the information they changed it. I checked my credit report and noticed that the information on   XXXX   was just recently changed back to charge off, and I would like it fixed.     The change caused my score to drop about  XXXX  points. I 've attached a section of the report as well as  XXXX  bankruptcy document as proof. My concern is that this will be charge-off to another creditor, and I 'll be subject to further collection efforts in violation of my  Chapter   XXXX  discharge.
Consumer complaint received 2023-04-23
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)

I am writing to dispute several erroneous inquiries that appear on my credit report. After reviewing my credit report, I noticed that there are multiple inquiries that were made without my permission or knowledge, and which are negatively impacting my credit score. 

According to the Fair Credit Reporting Act, any inquiry made on my credit report without my permission is considered unauthorized and must be removed. I request that you investigate these inquiries and remove them from my credit report as soon as possible. 

I have included a copy of my credit report highlighting the unauthorized inquiries for your reference. In addition, I have not authorized any new credit accounts or inquiries recently, and I have not applied for any new loans or credit cards that would result in these inquiries. 

I believe that the presence of these erroneous inquiries on my credit report is unfair and is negatively affecting my credit score. Therefore, I request that you remove them immediately and notify me in writing of your findings. 

Thank you for your prompt attention to this matter. Please let me know if you require any additional information or documentation to resolve this dispute. 

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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-19
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. (MD)

XXXX   XXXX , credit line is STILL showing on CR even after previous Equifax response says " verified to be deleted by credit  grantor  ''. Please REMOVE invalid credit line ( that was re-added to my credit report w/o notification per FCRA )
Consumer complaint received 2017-05-19
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GreenSky, LLC (FL)

Green Sky Loan Services has called me almost daily for 2 weeks. They have called from 2 different telephone numbers. They are looking for 2 women I have never heard of in my life. I have asked them nicely at least twice to stop calling me as I have no idea who they 're looking for. They always say no problem that my number will be removed. Then I get another call from them the next day. Please make the calls stop!
Consumer complaint received 2017-05-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

LVNV Funding LLC, is stating that I owe a debt in the amount of {$240.00}. I repeatedly disputed this claim several times in the last year because this debt is not mine and fraudulent activity with this account. I have never signed a contract or received any paperwork from LVNV Funding LLC stating that I owe this debt or details of this debt.
Consumer complaint received 2017-05-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (SC)

PNC MORTGAGE CO PHONE  XXXX   XXXX   XXXX  DECEASED  XXXX  I AM HIS DAUGHTER AND LEGAL OWNER OF THIS PROPERTY ALL LEGAL DOCUMENTATION HAS BEEN PROVIDED FROM   XXXX   XXXX   XXXX   (  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  (  XXXX  )  XXXX  PNC NEVER WANTED TO REFINANCE THEY JUST COMPLICATED EVERYTHING BY JUST PUTTING ESTATE OF AND MY NAME WAS ADDED TO NOTHING ON PAPER SO IT COMPLICATED INSURANCE AS WELL. I DECIDED TO JUST REFINANCE WITH ANOTHER COMPANY AND GET EVERYTHING STRAIGHTENED OUT OF THIS MESS.I PAID  PNC  {$20.00} FOR THE CORRECT PAYOFF IT WASNT  FREE.FIRST RATE  PAID THEM BY THE DATE OF PAYOFF REQUESTED AND IT WAS {$800.00} OVER.  PNC S ENT ( MY ) REFUND CHECK MADE OUT TO THE ESTATE OF INSTEAD OF ME THE LEGAL LIVING OWNER WHO BORROWED THE MONEY TO PAY THEM OFF.I CALLED  XXXX / XXXX /  XXXX   AND THE CUSTOMER SERVICE REP TOLD ME IF I CANT DEAL WITH THE CHECK IT WILL GO TO MY STATE . HOW HELPFUL!!!! I  CALLED  XXXX / XXXX /  XXXX   AND ASKED FOR  A MANAGER AND WAS TOLD ONE W ILL CALL ME BACK IN  24 TO 48 HO URS UNACCEPTABLE!!!! MY ISSUE IS I PAID AN ATTORNEY AND WENT THROUGH ALL THE PROPER CHANNELS AN D PNC SHO ULD NOT PLAY GAMES WITH MY REFUND CHECK AND I WANT MY CHECK SENT TO ME IN MY NAME.
Consumer complaint received 2017-05-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: PNC Bank N.A. (NC)

I received a letter onXX/XX/XXXX from XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, TX XXXX. This in the return address window of the letter.
The reference number of XXXX was given for this notification for XXXX XXXX XXXX  ( against my company that Closed on XX/XX/XXXX with no liens or balances owed. ) The letter explains that it was advised to collect {$110.00} within 10 days to avoid cancellation of privileges.
I called, from my cell phone, to ( XXXX ) XXXX on XX/XX/XXXX at around XXXX - spoke with XXXX XXXX , not very clear. She asked for the RE number mentioned above, I complied.
Then XXXX asked for my personal social security number.
I refused to comply for reason 1. ) It was for my company, but she did n't ask for nor care about the Federal Tax Identification number - which seemed to be a red flag, at this point.
She told me that if I would not give her my social security number, not my FTID, then she could not assist me. At this time, I informed her if they believe that they are owed money, they need to send an itemized statement for my review. XXXX said that they can only provide information if I give them the information that they were asking for ( my social security number ).
I terminated the call with XXXX XXXX at ( XXXX ) XXXX.
I immediately contacted my credit card service representative at PNC and I confirmed that my account was closed with no money owed. XXXX XXXX, customer service at PNC sent a letter confirming that my account was closed on XX/XX/XXXX and no further action has been taken by PNC to pursue collections.
I also have documentation from PNC showing that my business banking account was closed on XX/XX/XXXX, and not further action was needed nor money owed.
In addition, on theXX/XX/XXXX banking statement it was documented that my contract with Merchant Services was met on XX/XX/XXXX.
In researching the information from this company, I have found that they misspelled the city and the address that is provided seems uncertain for what they claim to be.
As explained before, if I owe money I should received an explanation of what the charges are for shortly after my contract expired.
Since this communication via telephone, I have received a calls to my previous business line from ( XXXX ) XXXX on XX/XX/XXXX at XXXX XXXX - no message was left. And another call from ( XXXX ) XXXX on XX/XX/XXXX at XXXX XXXX where the same person that I spoke with on XX/XX/XXXX now identifies herself as XXXX XXXX.
Consumer complaint received 2017-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

XX/XX/XXXX - I submitted pertinent data to correct my personal information on my credit reports to Experian and  XXXX  . This personal data included a government issued ID, bank statement with current addresses.
 XX/XX/XXXX - I received a letter from Experian and  XXXX  stating that I need to send the same information that was sent in  XX/XX/XXXX in addition to  XXXX  form and/or a copy of a birth certificate to verify my identification. To which I did n't comply.
 XX/XX/XXXX - I resubmitted the same information to Experian and  XXXX  and received the same response in via a letter in XX/XX/XXXX .
This has been an ongoing battle to with these   XXXX   credit bureaus to accurately update my personal information and no such luck.
Consumer complaint received 2018-07-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Torres Credit Services, Inc. (PA)

I get calls several times a day from Torres credit services. Number XXXX. No one speaks when I answer or they only say hello. When I call the number I am put on hold and then sent to voicemail. The repeated calls on a daily basis are disruptive to my household and constitute harassment. Please help. I do not have any outstanding debt. This is clearly a scam.
Consumer complaint received 2023-05-08
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. (MI)

There is a hard inquiry from XXXX on my Transunion credit report. I did not open this application. I've placed calls to both Transunion and XXXX bank. XXXXXXXX XXXX agreed that this was a fraudulent act and they were going to have it removed from all credit reporting agencies. It's still on Transunions report. I don't have an open application and I want this removed immediately. I did not authorize XXXXXXXX XXXX to open an application, therefore this is in violation of the law according to FCRA. 

Transunion refuse to delete this. My next step is obtaining an attorney!
Consumer complaint received 2017-05-19
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: Experian Information Solutions Inc. (FL)

Originally This account was handled by XXXX XXXX XXXX XXXX XXXX, in XX/XX/XXXX, at some point it was transferred to the XXXX XXXX XXXX/XXXX XXXX XXXX XXXX and was in deferred status but XXXX says that it was not in deferred status in XX/XX/XXXX, XX/XX/XXXX and that they sent correspondence, so the went into delinquency even though I told them that it should have still been deferred and as far as I knew it was. I am XXXX of a small XXXX, and have been working in and around the XXXX XXXX XXXX for the last 22 years, and was unable to make all of the payments. This Account has been closed and reopened over the last 13 years, many times since XX/XX/XXXX. Forward to XX/XX/XXXX the old account has been closed and a new account has been opened and is being paid to a new company called XXXX XXXX XXXX XXXX, but the old account is still showing as derogatory and says to contact Creditor. Right now I am scheduled for another 10 years of payment! Honestly I do n't know what has been paid and what has n't. Now every time anyone looks at my XXXX, XXXX and Experian credit reports I get a new black eye. The last two attempts creditor wrote that I needed to get my XXXX Report after a Hard Pull.