davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (TX)

I am writing this letter as I was enrolled in XXXX XXXX while I had XXXX which is reflecting as XXXX XXXX and XXXX XXXX . When I became XXXX and lost my job I filled out a claim and they were supposed to suspend the payments. XX/XX/22 I also disputed the charges with the credit bureau. Please see last statement with me being enrolled in the insurance protection plan. My reference number is XXXX Thanks
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX5 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 11.8K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTING This PRIVATE I request that you verify the information and update the payment history account as " PAID, NEVER LATE '' immediately. After doing so please provide me with an updated reflecting the changes.
Consumer complaint received 2024-01-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK (PA)

My daughter and I have had nothing but trouble with Discover Private Student Loans. First, when I complained about them charging me interest rates for a variable account at over 14 %, I called and said I only have fixed-rate loans. They said I didn't and perhaps my daughter agreed to one. She did not. I asked for proof. They said I needed a lawyer to write a letter. I got a lawyer to write a letter. They responded with a threatening letter and said that if I wanted information I would have to pay {$36.00}. I paid the money and they sent one page with everything cross out in black and zero information. I asked the lawyer to write a second letter saying that I would need access to the audio account in which I agreed to a variable loan. They refused and threatened me again. 

In addition to this, Discover entered into a long list of predatory practices. They intimidated and gave false information and and offered zero payment plans. One call told me that we were not eligible for a .5 % discount for auto withdrawal while another call to an agent in a different city commented that they could not understand why I was told that. 

The worst were the people in the XXXX XXXX office who I tended to get when I called. One time they " accidentallty '' applied my payment to the wrong loan which would have had us in a charge out. 

My daughter is very smart and she talked to a person who told me that if she didn't pay her loan for XXXX  days, then she could get a loan amount of about {$500.00} per month instead of {$850.00}. She told me she had it handled and I was contacted when it was about to charge off. 

The XXXX XXXX XXXX office was very predatory. I would call for a simple thing, like to change the dates of my direct payment to match with paydays. They would tell me to call back at a specific time the next day. They insisted that they couldn't tell me any information as I am the cosigner. There were so many lies and so many times that I got a different story from a different agent. Once when I was told, " I don't know who would have told you that, '', they suggested a name. I called that office so often that I knew that guy was out on paternity leave. I have pages of notes. This company is horrible. They are predatory and can not be trusted. I am currently in the process of filing for bankruptcy, largely due to being unable to support myself due to this loan. My daughter does not have any credit card debt, but she is also prepared to file bankruptcy if needed. 

We were both traumatized by these people. They had her in tears and told her things that were different than they told me. Finally, I did not allow any calls to them without us both on the line and they commented that they really needed to talk to use separately.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX, Arbors On XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MicroBilt / PRBC (formerly CL Verify) (TX)

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet all Persons/Corporations are reporting this information. The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of the consumer XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that any account that negatively reflects has been " validated '', let 's be clear that I am not asking you to validate or verify anything. Please do not respond saying that as a tactic to waste my time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of the IRS form 1099-C Cancellation of Debt. XXXX and other Reporting Agencies/Creditors reporting Collections/Charge-Offs, late payments/ALL other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted Overview with the Internal Revenue Service against ALL entities involved if ALL derogatory information is not deleted from my consumer report within 30 days I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Original Information.
Consumer complaint received 2017-12-17
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (GA)

There are various Inquires showing on my three credit reports that I have not apply for credit at. I contacted the companies with written letters asking that they be remove due to possible fraud. I have received no positive results. I then contacted the three credit agencies with two attempts to have them removed without positive results.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-15
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. (GA)

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 XXXX, GA XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX po box XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX  XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX  XXXX Balance Owed : {$11000.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$160.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$3700.00}, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is completely inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FIFTH THIRD FINANCIAL CORPORATION (NJ)

I opened an account with Fifth third bank, XXXX XXXX, XXXX in XX/XX/2010. When I opened the account, I was told by fifth third bank that this is a free account and I don't have to pay any monthly or annual fee. Things were working great for almost four years. After four years, I moved to small town in XXXX, Where they don't have fifth third bank. Therefore, I had to open an account in different bank. I was trying to close my account and take all my money out, before I move out from XXXX XXXX, XXXX. I called their customer service and they convinced me to keep open the account. It's safe to have two bank accounts. They also confirmed me that there won't be any monthly or annual fee, Since I have been their customer for 4 years. I kept open the account. Last week, I received a call from fifth third bank and they told me I have negative balance on my account. I told them, when I left XXXX XXXX, XXXX, I had approximately {$3000.00} on my account. How could it be negative? They told me, I was being charge their monthly service fee of {$11.00} every months. Two days later, I called their customer service and they hung up my phone three times. Third time, I was able to talk to their supervisor and he said he can only see my account history for last 12 months and there is nothing he can't do refund money. I asked him whether I could talk to their upper management and get this issue resolved. He said he's not going to brought up this issue to upper management. Then he hung up. I'm extremely shocked and disappointed.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights XXXX Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent the letter to TransUnion on the XXXX XXXX  XXXX, 2023 The reason I sent the letter was that TransUnion verified my accounts and said everything was complete and accurate. So On XX/XX/2023, I sent a letter to TransUnion. Here is my tracking number : XXXX XXXX XXXX XXXX XXXX. I requested a full description of how they verified my accounts according to 15 USC 1681i ( 7 ) and they were suppose to provide this within 15 days. I havent received nothing from TransUnion. I also noticed they didnt modify or update anything according to 15 USC 1681i ( 5 ). I compared reports and nothing everything is still inaccurate. This doesnt make any sense to me. I am very frustrated Why is TransUnion lying?? How can I trust not them? They didnt reinvestigate my accounts. They said everything was modified and updated. I have proof they didnt
Consumer complaint received 2023-11-15
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Supreme Lending (MN)

I received the application for Loan Modification - this date XX/XX/XXXX  I sent in the application - XX/XX/2023 I called on ( date ) to confirm they received the application XX/XX/XXXX and XXXX and they have not removed the foreclosure. 
I found out that they are still pursuing foreclosure/sheriff 's sale on this date above. 
I found that they reported my foreclosure to the newspapers on this date XX/XX/XXXX  or XX/XX/.
Consumer complaint received 2023-04-28
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. (MI)

My identity was breached from XXXX XXXX XXXX and I believe my ex husband. 

There are SEVERAL inquiries on my report that I did not make nor authorize and need to be removed. ( See below ) please tell me how to proceed in getting that taken care of ASAP!! 

XXXX  XXXX - Inquiry Date XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX
Consumer complaint received 2023-08-29
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. (CA)

XXXX XXXX  opened on XX/XX/XXXX {$3000.00} XXXX  XXXX opened on XX/XX/XXXX {$3100.00} The creditors above are falsely reporting accounts that were opened without my consent or knowledge.This is a case of identity theft and a clear violation of my rights under the Fair Credit Act Section 609 ( a ). I have already filed an identity theft report as well as a complaint with the XXXX XXXX XXXX  and identity theft gov and I demand this account be removed immediately from my XXXX, Transunion, and XXXX credit report or I will pursue legal action.
Consumer complaint received 2024-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (CA)

I am a full class member of the XXXX XXXX  XXXX lawsuit and have received a letter from Dept of Education verifying that my loans will be discharged and any applicable payments will be refunded. Per the Dept of Ed, my loans should remain in administrative forbearance until discharged, which is supposed to happen by XXXX/2024 at the latest. The loans were put back into repayment and they show me as 3 payments overdue. I have uploaded the letter from the Dept of Ed to my account twice, to no avail. Please advise.
Consumer complaint received 2024-01-20
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: EQUIFAX, INC. (NC)

I asked for a reinvestigation of accuracy of accounts but I recieved no information as to who verified the reports as directed. What proof other than the credit bureaus saying they contacted the data furnishers? No records, no consent on my behalf but yet they reported to cfpb that the accounts were accurate and verified. Wheres the records saying there mine? What court official looked into this matter? If I have a identity theft report and ftc report how are they still saying there mine? Should I just keep letting them act like Im not a victim of identity theft? I need to be compensated for my credit being hurt and as a consumer it having an affect on my livelihood.
Consumer complaint received 2023-10-07
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (TX)

Transworld systems Inc reported to XXXX on XX/XX/XXXX  for a creditor XXXX in the amount of {$750.00}. This account is not mine. I have never had an account with this company. I have never heard of this company.
Consumer complaint received 2024-01-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

This debt was sold to a collector. USAA does not have the original documentation for this debt. XXXX supervisor XXXX made this statement to me on XX/XX/XXXX at XXXX " that the Creditor _USAA is refusing to update the date this account closed '' I sent XXXX a writtend dispute with documentation certified mail in XX/XX/XXXX showing this account was closed in XX/XX/XXXX and sold and To DATE they are refusing to update this debt as closed in XX/XX/XXXX. If this account no longer belongs to USAA because they sold this debt they have no legal right to report this a current debt that is owing and both USAA and XXXX have the legal obligation to correctly and accurately report the details of this account not use it to hold my credit hostage in hopes they might get something back by reaging this debt! This is ILLEGAL and inform both creditors that I am suing! I disputed this account 7 times beginning on XX/XX/XXXX to present! This is unfair and hostile
Consumer complaint received 2023-10-07
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (TX)

in accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.
Consumer complaint received 2023-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CT)

My Citibank checking account was closed shortly after I deposited a check, around the date of XX/XX/XXXX. 

I called the company on XX/XX/XXXX and was told I deposited a " stolen check ''. 

The check I deposited was not stolen. It was a gift from my parents. I'm a single mother and am going through a difficult time financially, so they sent me some money for my birthday. 

Citibank immediately restricted access to my account and sent me an email stating that my account was closing and that my debit card was canceled. 

I called Citibank and spoke to XXXX different people. XXXX of them called the sender of the check and verified that it was not fraudulent. He stated he could not reopen my account, though. 

So, I started out being a struggling single parent and now I'm literally a broke single parent. 

This is unacceptable. I did not commit any crime or violate Citibank 's agreement in any way. 

I need my account opened so I can get to my money. 

Thanks.
Consumer complaint received 2022-12-08
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (MI)

Representative lied to me about being able to make reduced payments. I am currently unemployed. Second representative today claimed no such program. Offered for me to pay MORE ( when I already can't afford the minimum
Consumer complaint received 2023-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA (AZ)

The Apple Card, issued by Goldman Sachs, refuses to completely close my account ending in XXXX, making it null and void, with a {$0.00} balance. I have called them multiple times and shared with them my XXXX  XXXX Bankruptcy that was successfully discharged in XX/XX/2022, and they still refuse to remove the account in question even though it was included in my Bankruptcy filing. 

What they are doing is illegal, still trying to collect on a debt that has been discharged. My lawyer sent them multiple letters in the mail as well. 

This account is still showing as active on my Apple ID Profile, and as such, will not allow me to apply for another Apple Card, because they say this account is still active, and not discharged.