davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

I took out a private loan in XXXX for {$20000.00}. I had been in school from that time XX/XX/XXXX. In XX/XX/XXXX my private loan was taken out of deferment and put in to repayment. I was informed I was in default in XXXX by a call from their recovery department. I explained that i was still in school and they advised me to contact Citizens Bank Student Loan department. When I contacted Citizens I was told that it should not have come out of deferment while I was in school but since it was written off there was nothing they could do. I talked to multiple employees and received the same information. In XXXX of XXXX I began paying small amounts to the recovery team on the loan. Every month it hits my credit report as a charge off causing my credit score to take a hit. They will not move my account back to their Student Loan department, they will not show that it is in good standing even though I am making payments, and told me the only way to remove it is to pay it in full. I believe that they made an error, as told to me by their employees, that is hurting my credit score, effecting my clearance ( I work for the XXXX XXXX XXXX ), and harming my credit report.
Consumer complaint received 2018-05-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: UMB FINANCIAL CORPORATION (KS)

I received a letter on XX/XX/XXXX from UMB Bank ( which was a surprise since I have online banking & e-statements ), which stated that my savings account was changing to dormant status because I hadn't done any transactions in 18 months. ( Bad that I didn't transfer to it, but good that I didn't use it! ) Anyway, the next day I logged into my account to transfer from my checking, and I see that they charged my savings account a maintenance fee of {$25.00} each month for the last 3 months! The furthest my statement history goes back is XX/XX/XXXX, and sure enough, UMB has been stealing {$25.00} a month from my savings account! 

Of course I immediately called the bank, and the lady in the Customer Service Department was nice, but she couldn't help me over the phone. She ended up getting my original location on the phone, which I neither work nor live near, and the lady said she could only refund the most recent 3 months, {$75.00} worth of charges. She was able to research it a bit though, and found out that UMB got rid of the savings account I signed up for originally, initially grandfathered my account, then ended up getting rid of the grandfathered accounts and put me in an account that had to have $ XXXX in it, or they charge {$25.00} a month. I asked her for a copy of this letter since I had never received it, and I can't look at my history before XX/XX/XXXX, but I haven't heard back from her yet, so I still don't know how long they have been financially raping me. 

I was in XXXX  for 16 years, and I am well aware of the greed of banks and their inflexibility when it comes to waiving overdraft fees. That stinks, but I get it at the same time. However, in this situation, I did nothing wrong, other than not logging in and looking at my savings statements. I'm sorry, but I TRUSTED UMB Bank with my money, and they decided to change my account guidelines and charge me a substantial monthly fee, then refused to give me my money back, and for that, I am repulsed. 

The lady at the XXXX XXXX location, I believe her name was XXXX or something like that, was only able to refund {$75.00} of the hundreds of dollars UMB stole from me ( I don't even know how much since I can't access my history ). 

Anyway, I would appreciate any help you can provide!
Consumer complaint received 2024-03-06
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-06-22
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: Experian Information Solutions Inc. (PA)

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$20000.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$860.00} XXXX XXXX XXXX XXXX Owed : {$14000.00} XXXX XXXX XXXX Balance Owed XXXX {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$20000.00}
Consumer complaint received 2023-06-22
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: Experian Information Solutions Inc. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-05-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I received a debt collection letter from Portfolio Recovery Associates ( SEE 1 ) concerning a debt from XXXX XXXX XXXX. The letter was not mailed to my address, but used a relative 's mailing address. My debt to XXXX XXXX is from XXXX as shown on credit report from XXXX ( SEE 2 ). Also the XXXX date is evidenced by letter from XXXX XXXX XXXX ( SEE 3 ). The outdated XXXX XXXX debt from XXXX has been sold and resold over and over again to junk debt buyers from XXXX XXXX XXXX ( SEE 3 ), XXXX   XXXX XXXX ( SEE 4 ), and XXXX XXXX  ( SEE 5 ). 
In between debt sellers and buyers, my last name and account number was changed. 
My last name change can be attributed to changes on my credit report that the debt buyers had access to. 
The account number was first changed on the XXXX   XXXX XXXX letter and again on the XXXX XXXX letter. 
XXXX XXXX XXXX  did not issue a new credit card to me after the XXXX closing of the original account. That is not logical! If by some chance they did issue a new card, I did not receive it nor have made purchases ; hence, fraud is involved.
Consumer complaint received 2023-04-26
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX  XXXX XXXX Balance : {$400.00}, XXXX  XXXX XXXX Balance : {$440.00}
Consumer complaint received 2023-04-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TRUIST FINANCIAL CORPORATION (NY)

Truist financed a new vehicle purchase. On XX/XX/XXXX I set up auto pay, online, for the Truist auto loan. I verified if the bank information/auto pay had been saved and my bank information was not stored/set up. I re entered everything again and afterwards the information was still not saved. On XX/XX/XXXX, I decided to make a one time payment online since the auto pay was not processing my information. 
On the first due date of XX/XX/XXXX, my account was drafted for the payment I had already submitted prior on XX/XX/XXXX. I called and they stated my auto pay was set up and that it would not deduct me in XXXX as I had a double payment. I left it alone and didn't request a refund for making two ( 2 ) loan payments in the month of XXXX. 

On the deduction date for month of XXXX which was drafted from my account on XX/XX/XXXX, {$710.00} was applied to interest out of the {$890.00} payment. 
The prior two ( 2 ) payments were applied as follows : XXXX {$890.00} : Monthly Loan Amount, {$600.00} Principal, {$290.00} Interest ( XXXX payment ) XXXX {$890.00} : Monthly Loan Amount, {$720.00} Principal, {$170.00} Interest ( XXXX payment ) XXXX {$890.00} : Monthly Loan Amount, {$180.00} Principal, {$710.00} Interest ( XXXX payment ) I couldn't understand why so much of the payment posted on XX/XX/XXXX was applied to interest. I contacted Truist on XX/XX/XXXX and the representative stated it had been corrected however the next day, my new lender XXXX XXXX XXXX, paid the pay off which had been provided weeks prior and I didn't receive a check in the mail, from Truist, for the incorrect amount of interest charged to my account on XX/XX/XXXX. Its impossible for Truist to have corrected it when XXXX XXXX XXXX paid the pay off amount reported to them weeks prior, in the amount of {$50000.00} on XX/XX/XXXX posting date.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-14
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)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I would like to request the suppression of these items from my credit report, which is the result of fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to me which is reported erroneously. I am in desperate need of these items to be INSPECTED and REMOVED. 

XXXX XXXX XXXXXXXX XXXX ... & XXXX XXXX XXXXXXXX XXXX ....
Consumer complaint received 2021-08-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (OR)

We started with AmeriHome mortgage in XX/XX/XXXX. Our very first payment was via check that never made it. So we submitted payment over phone to our mortgage company XX/XX/XXXX for the amount of {$1200.00}. AmeriHome reversed the payment XX/XX/XXXX but funds have not come back to our account. We had to submit another ACH for XXXX payment, on XX/XX/XXXX because of this to stay current on our mortgage. We submitted proper documentation that AmeriHome stated they required to send the payment back on XX/XX/XXXX via fax. We have spoken with several representatives that have given us several different answers as far as whats going on with our payment. Some representatives have stated the payment should be being processed and could not tell us how the payment would be returned or exactly when. When we call to check on the status of the reversal, other representatives try to explain to us that there is no payment or the bank is supposed to reverse it. The bank has confirmed with a trace ID that the payment was sent and never returned. We have been working directly with a banker at XXXX. AmeriHome refers to this document as a transmittal and the bank does not recognize that term. 
Today, XX/XX/XXXX we just received documentation, dated XX/XX/XXXX, that our mortgage is now being transferred as of XX/XX/XXXX, less than a year of being with AmeriHome. If our mortgage is transferred without getting this payment refunded we fear we will never get this money back. The mortgage company is being extremely uncooperative and we need help.
Consumer complaint received 2023-03-17
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus 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 these accounts. 

SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-23
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. (AL)

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, AL XXXX XX/XX/XXXX po box XXXX XXXX XXXX AL XXXX XX/XX/XXXX XXXX XXXX Balance : {$140.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$2400.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX Balance XXXX {$160.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX Balance : {$3200.00} XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX  XXXX Balance : {$480.00} XXXX  XXXX Balance ; {$2800.00} XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX  XXXX Balance : {$2400.00} XXXX XXXX  XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1200.00}
Consumer complaint received 2023-06-22
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: Experian Information Solutions Inc. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance {$37000.00} ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX.
Consumer complaint received 2023-04-26
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. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-23
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-22
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: Experian Information Solutions Inc. (AL)

This is XXXX XXXX, who is submitting this CFPB complaint, to inform you about some issues with my credit report. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report and I do not believe I was late on the dates they are reporting. These accounts should not be showing the current status of late since it's already been paid for. It seems impossible to accrue late on accounts that have already been paid. Correct the following accounts immediately : DEPT OF EDUCATIONXXXX XXXX Balance : {$6600.00} ; DEPT OF EDUCATIONXXXX XXXX Balance : {$4900.00} ; DEPT OF EDUCATIONXXXX XXXX Balance : {$4700.00} ; DEPT OF EDUCATIONXXXX XXXX Balance : {$4000.00} ; DEPT OF EDUCATIONXXXX XXXX Balance : {$3800.00} ; DEPT OF EDUCATIONXXXX XXXX Balance : {$2600.00} ; DEPT OF EDUCATIONXXXX XXXX Balance : {$2600.00} ; DEPT OF EDUCATIONXXXX  XXXX Balance : {$2400.00} ; DEPT OF EDUCATION/XXXX XXXX Balance XXXX {$2300.00} ; XXXX XXXX XXXX Balance : {$130000.00} XXXX
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (LA)

JP Morgan Chase initially closed a corporate card I was responsible for and charged off the total amount past due in XX/XX/XXXX. I disputed this claim in XXXX of XXXX as I was not supposed to be liable as this was a corporate card only. Now 14 months later, in an attempt to force me to pay the debt, have re-reported the account as charged off and listed the charge off date as XX/XX/XXXX. The has critically damaged my credit just as it was recovering from the initial charge off.
Consumer complaint received 2023-06-22
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: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name XXXX XXXX XXXX is and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.