davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : 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 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 XXXX XXXX XXXX Transunion 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 XXXXXX/XX/XXXX
Consumer complaint received 2017-07-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (OH)

I attended ( XXXX ) different Universities, in the following order : XXXX XXXX XXXX XXXX School in XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XX/XX/XXXX, XXXX University XX/XX/XXXX and XXXX University in XX/XX/XXXX-XX/XX/XXXX. I served in the XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX and have XXXX XXXX XXXX. While in the service with my own money I attended and Graduated from XXXX by going to XXXX school. When I was XXXX on XX/XX/XXXX I enrolled at XXXX University to work on my XX/XX/XXXX in XX/XX/XXXX. This is when I took out XXXX in Stafford loans and ( XXXX ) plus loan to help with books and expenses. I have 32.5 years of public service and was denied the PLSF forgiveness. I worked for the XXXX XXXX XXXX XXXX and now the XXXX XXXX XXXX XXXX and Im a XXXX XXXX XXXX Veteran that struggles every day to work. I borrowed XXXX dollars and now owe XXXX dollars to Fed loan Servicing. I qualified for the XXXX GI bill but with XXXX and a wife couldnt afford the XXXX buy in while serving. I was never notified by XXXX XXXX which is now Navient that my loans would be serviced by Fed Loan and that when they tacked on XXXX in interest at 8.5 %. I will be XXXX years old if I go with their program before this is paid off. Please help me!
Consumer complaint received 2022-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (NM)

My husband and I received an Escrow Account Disclosure Statement from PennyMac dated XX/XX/XXXX with an estimated escrow shortage of {$340.00}. On XX/XX/XXXX, we paid the estimated escrow shortage of {$340.00} into the escrow account and then another {$200.00} on XX/XX/XXXX for a total of {$540.00}, so that the monthly payment would remain at {$1400.00}. Despite our covering the escrow shortage, PennyMac raised the monthly payment to {$1400.00} in XXXX, XXXX. I messaged PennyMac twice around XX/XX/XXXX but did not receive a response. 

On XX/XX/XXXX I spoke to a XXXX at PennyMac. She said that it is PennyMacs policy to require the Minimum Required Balance in the escrow account ( in this case {$400.00} ), which was her justification for the payment being raised. The {$400.00} Minimum Required Balance is still less than the {$540.00} that we paid into the escrow account, so we do not understand why PennyMac raised the monthly payment. 

A reasonable and fair resolution is for the monthly payment to remain at {$1400.00} since we have addressed the escrow shortage. We are unclear why this is an issue with PennyMac when it has not been an issue with any of our previous mortgages. We have requested that PennyMac respond by mail with a plan to resolve this issue.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NH)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (UT)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT. 

XXXX YOU FURNISHING INACCURATE INFORMATION TO THE CONSUMER REPORTING AGENCIES. 

The Reporting of this Account as a Debt is Inaccurate.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 


T

he Reporting of this Account as a Debt is Inaccurate. THE LEGAL DEFINITION PER THE IRS DEFINE
S A CHARGE OFF AS INCOME. 
INCOME DOES NOT GET REPORTED ON A CONSUMER REPORT. 



XXXX CONTINUES TO VIOLATE MY RIGHTS BY REPORTING GROSS INCOME AND ORDINARY INCOME ON THE CONSUMER REPORTING AGENCIES BREAKING THE LAW. THIS ACCOUNT IS A " CHARGED OFF '' THE LEGAL DEFINITION PER THE IRS DEFINES A CHARGE OFF AS INCOME. 
THE REPORTING OF THIS ACCOUNT AS A DEBT IS INACCURATE. 
THE IRS STATES CLEARLY THAT ANY GROSS INCOME OR ORDINARY INCOME CAN NOT BE REPORTED INTO A REPORT BY ANY FURNISHER OR CREDIT REPORTING AGENCY.A CHARGE OFF IS GROSS INCOME PER THE IRS. DELETE THESE ACCOUNTS MENTIONED IN THE COMPLAINT ASAP AND I'M REQUESTING {$1000.00} PER EACH VIOLATION. XXXX XXXX XXXX XXXX. XXXX Continues to Violate multiple laws from Congress 15 U.S. Code 1681a ( 2 ) ( a ) ( i ). CHARGED OFF is considered a certificate of indebtedness per the IRS and income can not be reported making The Reporting of this Account as a Debt is Inaccurate. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORTS BY LAW AND By Definition PER the IRS Clearly says a Cancelled debt or Charge off is Income. ADDITIONALLY THE LAW CLEARLY STATES Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report DOES NOT include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX, ) making the report. 

ADDITIONALLY I never received a 1099-C FROM for the cancelled debt. XXXX is writing off debt with the IRS years Ago WITHOUT sending out 1099-C as required by the IRS for debts greater than {$600.00}. This is ILLEGAL. 


You are hereby put on notice that you are reporting incorrect inaccurate information. 

DELETE THIS ACCOUNT.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2015-06-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

I 'm writing this complaint because I have an account on my credit file that is not correct and should not be reporting. The collection agency XXXX XXXX is reporting an account for XXXX for the amount {$590.00}. I do not owe this amount to XXXX before leaving all accounts was paid in full. This account is reporting to be open in XXXX or XXXX, so this is why I do not have any receipt to show my zero balance because I was not aware they would just not in XXXX put this false information on my credit file. Please I 'm requesting this account be removed and I also have disputed this account multiple time with the credit bureaus and they are not doing a proper investigation. Just because they can verify information does not prove I owe any account balance. What I do not understand why they choose to wait until this year to report this inaccurate information. Also I have had this account deleted before from another collection agency. I file a complaint previous with all XXXX credit bureaus on XXXX XXXX, XXXX.
Consumer complaint received 2023-08-04
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 did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed. 
XXXXXXXX XXXX  XXXX Inquiry Date XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  Inquiry Date XX/XX/2023 XXXX XXXX  Inquiry Date XX/XX/2023 XXXX XXXX  XXXX Date XX/XX/2023 XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2023 XXXX XXXX XXXXXXXX Inquiry Date XX/XX/2023
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I need your support in addressing the wrong account being listed on my credit report. This has negatively impacted my reputation, and I rely on your help to resolve this. The mismanagement of my credit report has caused significant harm, and these issues must be fixed so I can live without further disruptions to my family.
Consumer complaint received 2017-04-07
Product: Credit card — 
Issue: Other fee — 
Company: BARCLAYS BANK DELAWARE (AP)

I signed up for the Barclay 's XXXX XXXX with XXXX benefits ( I am XXXX XXXX XXXX ). Benefits were waiver of annual fee and 0 % interest while I am on XXXX XXXX. Recently, I received notification that Barclay 's had reinterpreted their XXXX benefits and would no longer be waiving the annual fee ( I would be charged on the anniversary of my enrollment.
Consumer complaint received 2017-03-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: ECMC GROUP, INC. (AZ)

I contacted Premier Credit ( I have never heard of them, I was referred to them by the original creditor when I contacted them to find out what I owed ). 
I offered to pay a lump sum ( {$500.00} ) to pay it off in full ( less than current balance of {$740.00}, more than original debt of {$440.00} ) or to setup a payment plan. I was transferred to " XXXX '' an " account manager '' and he immediately told me, " my levee department is already working on freezing your bank accounts and getting your wages garnished ''. 
Now, if there is a judgement against me, I am not aware of it. I had never even heard of this company before I reached out to OFFER to pay. He refused the payoff amount and when I asked about a payment plan, he again started talking about wage garnishment! 
This debt is for XXXX State Taxes from 2012, so I do n't know if its time-barred or not, but even if it is not, I am not aware of any legal action by them against me, so he had to be lying to try to scare me ... and honestly, there is a little 1 % of my mind that is now worried my bank account will be frozen next time I go to use it.
Consumer complaint received 2023-04-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP (FL)

XX/XX/XXXX, I submitted a payment for {$750.00}, on XX/XX/XXXX the payment was denied for Insufficient funds. 15 days later! Later a debt collector calls me on XX/XX/XXXX, saying that I owe {$900.00} for my payment plus fees. I payed the fees and a double payment for the month of XXXX and XXXX a whole XXXX $! 

This same process repeated every month since XX/XX/2022. I have called multiple times and was told I am liable for the payment no matter how late they charge my account and that it should take at the most 5 business days to process ; but I agreed to pay on the first of every month not the XXXX. Where is my recourse as the consumer? I am on a fixed income for being a XXXX veteran and can not continue paying for Ameris Banks fraudulent charges and fees. I had to take a personal loan to cover the damages caused by Ameris. It is affecting my XXXX for mental health causing me unneeded stress. And hurting my credit score I need a resolution.
Consumer complaint received 2023-04-07
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. (CA)

A request was sent to validate a debt that is being reported on my credit report by a creditor. Proof attached of mailing and receipt date XX/XX/23. Response was not made or validated within the 30 days alotted by FCRA. Asking to have this inaccurate account removed from my report ASAP. 2 Bureaus have failed to do so. XXXX has failed And Trans Union has failed.
Consumer complaint received 2017-04-04
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION (FL)

Upon review of my savings account, I do see that the {$190.00} that was found to have been deposited in someone else 's account was correctly deposited into my savings account on XX/XX/2017 as BBT indicated in their response to a recent complaint ; however, they failed to reimburse me for a late fee in the amount of {$9.00} that was assessed on the loan account on XX/XX/2017. I paid that fee from savings on XX/XX/2017 so that additional fees would not be assessed on the loan while BBT researched the missing deposit. That late fee would not have been assessed had the deposit been credited to my account when received in XX/XX/XXXX. I would like BBT to credit my saving account immediately in the amount of {$9.00}, the late fee assessed on my loan.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

My XXXX  XXXX XXXX, and I, XXXX XXXX, were convinced by XXXX XXXX XXXX XXXX XXXX ( phone # XXXX XXXX ) to check our credit to see about getting a loan to place solar panels on my parent 's residence at XXXX XXXX XXXX XXXX in XXXX of XXXX with XXXX XXXX. This process started on XX/XX/XXXX and the loan became active on XX/XX/XXXX but took until XX/XX/XXXX to realize this loan was on my mother 's and I 's credit report and not taken off like we were told it would be by XXXX XXXX. The installation company for this loan is called XXXX XXXX. There was a partial payment included in the contract my mother missed at {$17000.00} released to the installing company. The loan named me ( XXXX XXXX XXXX as a co-borrower when I was told I'd not be responsible for payments at all. I was also under the assumption my XXXX  would replace me as co-borrower before payments were even due. A problem came up with electrical issues in the house, and XXXX told us the XXXX would be canceled and not a problem for us. XXXX XXXX then states they can not close the lone until my mother pays for a XXXX XXXX system that they were supposed to pay {$3000.00} for in my mother 's name for use later with the panels. The system is XXXX and the company that provided it would cost XXXX at most. XXXX has been told this however, they state if XXXX XXXX does not get in touch and agree to close this loan it is a true and accurate loan. XXXX has not completed the panels. My mother and I need help, someone got money for no work and a loan is open on my and my mother 's credit for no reason, as we've asked this to be removed and canceled multiple times. The contract is so confusing that we didn't realize the full payment my parents would be paying is XXXX XXXX + for solar panels that were meant to save them money on energy costs ( as described in their pitch they were told they'd even be able to sell extra energy back to XXXX  XXXX 's ) My XXXX  is XXXX and I'm on my way there myself after a couple of accidents and a XXXX diagnosis. We don't know what to do, my credit is taking hits and I can't afford to have a XXXX + loan out in my name that should never have been my responsibility in the first place. I was told on several occasions that this would be transferred to my dad 's name once his credit was high enough again.
Consumer complaint received 2024-09-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2020-03-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (HI)

CITIBANK NIGHTMARE I'm in Hawaii and Citibank doesn't have a branch here. So I call their customer service department and was instructed to open online or with phone rep. After Opening account I was instructed to download and take a photo of check and submit. Check amount {$1000.00} After doing so.. 
I was told I'll be notified by phone or call back. After following up checking app I see deposit and first {$200.00} ..and dates of remainder amounts. After 3 days passed..my account was locked..called and was instructed I need to verify address and identity. After doing this ... my account was fine after 24-48 hrs.  Called back for update..it was blocked again by unknown Dept ( this is what fraud told me ). Tried to rectify problem.. I was told to hold  on why rep in fraud Dept try to see other party blocking my account. Then rep said she spoke with supervisor and block were removed..so I stopped by store and was told after trying to purchase that my card was declined. I kept getting the runaround. After last time speaking with fraud they claimed they removed the block from my account..but another block was on my account and they didn't know who put it there. I told them they had my address spelt wrong. And know one not once called me about these issues. So fraud claimed they couldn't correct my address and I have to speak with customer..they transferred me rather than bring them on the line. I ended up on hold again over 20 minutes So can some help?