davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-22
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. (TN)

I am a victim of identity theft and I am intending to sue. I have sent in over the past few months, a copy of my police report and identity theft affidavit as required by law to remove these fraudulent accounts which were opened by a thief. You are required by FCRA laws to block these fraudulent accounts within 4 days. Equifax and Experian Credit Bureau are still in violation of the FCRA laws by reporting these fraudulent accounts on her profile. 
The law is very clear as to the Civil liability and the remedy available to me ( section 616 and 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intent on pursuing litigation in this matter to enforce my rights under the FCRA.

Under section 609 ( e ) of the FCRA, a victim of identity theft is entitled to the above referenced documents without a subpoena. 

1 ) XXXX XXXX, Acct. # : XXXX Unverified Account 2 ) Medical, Acct. # : XXXX Identity Theft Account 3 ) Medical, Acct. # : XXXX Identity Theft Account 4 ) Medical, Acct. # : XXXX Identity Theft Account
Consumer complaint received 2018-07-24
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. (CA)

I had sent your bureau a request by certified mail to investigate items on my credit report which were highly suspect. As per the FCRA I allowed you 30 days to correct my report. However, your company has failed to take any consequential action and continues to maintain files on my report which is grossly inaccurate. The creditors that I called have not been able to verify me, whereas this bureau dubiously claim to have somehow verified these items. 
Again I repeat, the following accounts are inaccurate, please delete them once and for all : 1.Chapter XXXX bankruptcies Reference Number : XXXX - Again, I  have to ask you to please delete these erroneous account from my report. You have just re-inserted debts on the credit report that were past the statute of limitations.

2.XXXX XXXX XXXX : XXXX XXXX - I told you Ive never had an account with these people ; Ive never received anything from them and so theyre illegally reporting this on my report so I need you to remove it today, please!

3.XXXX XXXX XXXX : XXXX XXXX - I dont owe these people any money PERIOD! Please remove this immediately! 

This is a flagrant violation of the FCRA, I will be proceeding to file suit in the event these items are not rectified. I am allowing you another 30 days to rectify my report. My dispute request, id and personal information has already been mailed to you before.
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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2018-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I tried to get a free credit report from Trans Union. I received my free credit report from the other 2 major credit reporting companies without issues. When I filled out the on line information which included entering my social security number and credit card information Trans Union said  my account showed an ERROR. I then called on line and got someone that could not speak good English. He/she ask for my social security number. I gave them the last 4 digts along with my name and address. They still could not find me in their system. I ask for a supervisor and was transferred. When I told the supervisor I was recording the call he relied he did not approve of the call being recorded. Why did he object to the call being recorded? They record my conversation? Why do I need to give my full social security number to someone who does not live in the United States and does not have a social security number? Now my FICO score has dropped 23 points since I made this request for a free report from Trans Union. Trans Union needs this brought out over social media?
Consumer complaint received 2024-03-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

My loan servicer was previously XXXX, and I had a REPAYE plan with a monthly payment of {$0.00}. I had not been asked to recertify or make any changes to this plan and was waiting for such a request. 

My loans were suddenly transferred to MOHELA in XXXX, with no record of my repayment plan with XXXX. They posted a late payment of {$2500.00}. I'm not sure what date that was posted, but I then received a late payment notice via email only ( not mail ) on XX/XX/XXXX. I didn't see it. On XX/XX/XXXX, I received notice from my bank of overdraft caused by a pending payment to the loan servicer of {$1200.00}, which I never authorized. 

I called MOHELA today, XX/XX/XXXX, to request a payment reversal and for them to re-initiate my existing REPAYE plan. They said it will take 90 days to review the request for a refund, it is not guaranteed, and that I would have to submit a new repayment plan request ( which I did ).
Consumer complaint received 2023-12-14
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CLGF Holdco 1, LLC (VA)

I hope this message finds you well. I am writing to bring to your attention a concerning issue I have encountered with my Concora Credit account. I have been a customer for approximately three years, and unfortunately, due to unforeseen financial challenges, I missed a payment in XXXX. 

To my dismay, I recently discovered that my outstanding balance has surpassed my credit limit by {$260.00}, despite my initial credit limit being {$300.00}. This has left me perplexed and concerned about the seemingly unfair practices in place. I find it difficult to comprehend how I now owe significantly more than my original credit limit. 

I understand the importance of meeting financial obligations, and I take full responsibility for the missed payment. However, the excessive overage on my account appears to be an unjust and burdensome practice. I was in the process of making a payment today to address my outstanding balance, but the exorbitant overage has left me feeling overwhelmed. 

I kindly request your assistance in investigating and rectifying this matter promptly. I believe that fair and transparent practices are crucial for maintaining a healthy financial relationship between consumers and credit providers. Your intervention in this regard would be greatly appreciated. 

Thank you for your attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Credit Card XX/XX/year> - I did not approve this inquiry. I never recieved the card. 

XXXX XXXX XXXXXX/XX/year> - I did not approve this inquiry and the XXXX sales person submitted it without my consent.
Consumer complaint received 2023-04-24
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. (AR)

When I investigated my credit report, I realized that some of the information was erroneous. Equifax and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update the unverifiable accounts below : XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$300.00} ; XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$710.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$220.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$18000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$65.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$220.00} ; XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$770.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$340.00} ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$1200.00} ; XXXX XXXX Opened XXXX XXXX, XXXX Balance {$18000.00} ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX XXXX {$530.00}.
Consumer complaint received 2023-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (PA)

As per my previous correspondence, I have sought a Debt Validation from your office and have allowed sufficient time for the submission of relevant documentation. My objective is to receive conclusive evidence establishing the validity of this purported debt. I remain unconvinced of my responsibility to settle this account and the associated creditor 's name, as I have no recollection of engaging with them in any capacity.
Consumer complaint received 2018-10-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mandarich Law Group, LLP (CA)

In our Defense we never received any legal document by law that we had a judgement on us. We don't know what this is about, and we need a investigation on this Corporation. 
Our Checking account was garnish without any legal documents about courts. There is no paper trail on this account. As we investigation this account we found out this company are doing malice on the Corporation of XXXX @ XXXX. MANDARICH LAW GROUP , LLP has taken out funds out of out account with out NO court papers. 
As a community Advocate I need legal documents of how a Corporation can do malice with out no notification of legal documents, and stealing {$2500.00} from checking account. and XXXX XXXX from Taxes. 
WE need documents please, Thank you for reading this. 
We have informed our Congregation about this Corporation, MANDARICH LAW GROUP , LLP XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL.
Consumer complaint received 2024-03-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: PNC Bank N.A. (PA)

In XXXX of XXXX, I contacted PNC Bank via mail to the address listed on PNC 's website in order to request SCRA benefits since I was on an XXXX XXXX XXXX  dating back to XX/XX/XXXX and SCRA benefits were not applied to my PNC Bank credit card. 

In XXXX of XXXX, I wrote to PNC Bank using their instant messaging chat tool. I was told that my benefits request was received but not applied. 

In XXXX of XXXX, I once again contacted PNC Bank via their secure messaging portal to request an update on my SCRA processing. 

To date I have not received SCRA benefits and previous benefits have not been applied. The XX/XX/XXXX message below summarizes my complaint. 

" Previously in XX/XX/XXXX, I submitted an SCRA request due to a call to XXXX XXXX from my XXXX  XXXX. However, I have yet to receive benefits. In XXXX of XXXX, I was told that my request was received. I fully understand staffing and workload. But the intent of SCRA is to provide relief during the periods of XXXX XXXX. Not following XXXX XXXX or some time in the future. The delay caused by PNC defeats the purpose of the Act which is to enable service members attention to duty while on service orders. This is not an eye friendly to those who dropped their affairs to answer the call. Soon the current set of orders will be at an end and I have yet to receive benefits afforded. ''
Consumer complaint received 2023-04-23
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. (MI)

There is information on my consumer report thats is identity theft. I did not provide written permission or instruction for these transactions to be reported on my consumer report. Im requesting that this info is blocked and deleted immediately. You have caused me mental and financial stress when you issued an items that does not belong to me and in which I am not responsible for. I'm seeking litigation if this complaint is not handled accordingly. I have not been able to purchase my dream house and provide for my family needs due to these fake, inaccurate and fraudulent items showing on my credit recvord. I attached a letter along with ftc report.
Consumer complaint received 2023-12-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Northstar Location Services, LLC (NY)

On XX/XX/, I went to XXXX XXXXXXXX at the XXXX XXXX XXXX in XXXX New York ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, XXXX : XXXX. After purchasing some clothing, the clerk suggested I sign up for an XXXX XXXX Rewards Card. I did so, and was told that Id receive the card in the mail the following week. 

On XX/XX/, I received an email from XXXX XXXX notifying me that my card ending in # XXXX had been activated. I was confused, as I had never received the card. I then received an email from XXXX XXXX 4 days later stating that the activity on my account might be related to fraud. I immediately contacted XXXX XXXX concerning the matter. 

Apparently, an individual or individuals in the State of Georgia had purchased merchandise totaling {$7500.00} on XX/XX/2022, the same day that I had received the email from XXXX XXXX stating that my card ending in # XXXX had been activated. 

Following this incident of fraud, the NorthStar Debt Collection Agency sent a letter asking to collect the debt. Even after I explained it was fraud, they told me all they could do is lower the amount to pay. Since I refused, they told me there was nothing I could do I want to have this form fraud off of my name and be addressed ASAP
Consumer complaint received 2018-10-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (WI)

Nelnet is misleading consumers regarding how excess loan payments are allocated. In XX/XX/XXXX, I learned that Nelnet had grouped two different loans ( different dates of origination and different interest rates ) so that my excess payments were misapplied. Nelnet had to " redisclose '' the lower interest rate loan, and as a result, I had to either ( 1 ) pay an extra {$300.00} a month ( in addition to my regular monthly payments ) to continue to make payments on my loan that were paid in advance or ( 2 ) make no payments on the loans paid in advance until they became due.

In addition, when I had them ungrouped, I gave special instructions to Nelnet that I wanted all payments in excess of my minimum payment to be allocated to the highest interest rate loan. I reviewed my account today and, with the payments having been inappropriately allocated in spite of my many calls to Nelnet, I once again called. They told me that the Nelnet policy was to apply excess payments to " the highest interest rate loans with the largest loan balance. '' In reality, they were allocating my payment to apply my excess payments to the lowest interest rate loan because it had the largest principal balance. They also had changed my autodebit amount ( again ) without my permission because, per customer service, FEMA issued a disaster declaration for my area and mandates that all loans be put in forbearance.
Consumer complaint received 2018-10-22
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TimeMark Solutions, Inc (MN)

In XX/XX/2018 I enrolled in a student loan repayment plan with a company called Timemark Solutions. I am a single mom with an XXXX  child and am currently pregnant so am unable to work. I owe a lot in federal student loans and spoke with this company about my issues and need to consolidate the loans. According to my monthly income they said I qualify for a $ XXXX/month payment. I was told I would first have to pay $ XXXX/month for four months for a startup fee and they said my loans would than be consolidated and they are in direct communication with Department of Education . I gave Timemark Solutions my email address and they sent me release forms to sign and fax to them. Also I gave them my XXXX XXXX Debit card info and signed up for automated withdrawls. The next month I received an email from the Department Of Education stating my owed balance is past due and to call. When I called Department Of Education they stated they never heard of this company and that I should not be paying anything at all for consolidating my loans and getting on an income driven repayment plan. They informed me it is a free service and this sounds like a scam company that does paperwork you can easily do yourself. I than completed the steps directly with Department Of Education and successfully consolidated my loans and immediately started on a {$0.00} a month payment. I called XXXX XXXX and was able to cancel automatic withdrawls from this company. It is unfortunate I already payed {$99.00} in the first place. TimeMark Solutions keeps calling an average of once a day and sending texts and emails requesting I contact their office. They threaten that my student loans aare in danger of not being consolidated and say I need to call and make my past due payment. This whole situation has caused me a lot of stress and I feel taken advantage of.
Consumer complaint received 2023-01-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

DEAR BANK OF AMERICA ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

My wallet was stolen on XXXX. I immediately called my credit card companies, including Macys citi bank American Express. The thieves had already charged approximately {$2500.00} on my account. I told Macys Citibank American Express that I had filed a police report and the charges were not mine. Although they said they are investigating and are not making me make a payment right now the charge still shows up on my credit report. They also reported me for being over my credit limit of {$2300.00}. So I filed a report with all three credit reporting agencies. However it says the dispute has concluded and the amount reported was verified. But they show a XXXX balance. The problem is I was never over my credit limit and I never made that charge. Nor did I pay for it. So clearly it is incorrect information on my credit report.
Consumer complaint received 2015-08-27
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CO)

They are reporting negative history to my credit report for a debt they purchased from XXXX XXXX XXXX on XX/XX/XXXX. That debt was included in my Bankruptcy that was discharged in XX/XX/XXXX. It 's now showing up as a recent ( XX/XX/XXXX ) charge off. I called them directly and they referred me to their collection company XXXX to resolve an issue they never should have charged off. They never should have purchased it to begin with
Consumer complaint received 2024-03-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (SC)

Navy Federal Credit Union is covered by the XXXX XXXX XXXX XXXX, providing insurance of up to {$250000.00} on each member 's deposit account. Consequently, my checking account ( XXXX ) is insured for the same amount. However, despite this coverage, Navy Federal Credit Union has levied overdraft fees of {$580.00} and return item fees of {$390.00} on my checking account ( XXXX ), totaling {$890.00}. This action is considered illegal, as Navy Federal Credit Union did not suffer any financial losses due to the protection provided by the insurance. Additionally, Navy Federal Credit Union not only retains the insurance coverage for my account but also keeps the interest payments on each deposit. Therefore, it is unjustified to charge me when Navy Federal Credit Union is already holding all the proceeds as the custodian of my account. 

Regarding Custodial Accounts, the aggregated balances within a minor 's custodial account, established under the provisions of the Uniform Transfers to Minors Act, are insured separately from funds held by the minor or custodian in other Navy Federal accounts. These custodial accounts are entitled to receive distinct insurance coverage of up to {$250000.00}.