davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-18
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: The Bureaus, Inc. (AZ)

Good evening, I recently paid a collection account in full on XX/XX/21. I proceeded to submit a dispute with all 3 bureaus to have the collection account removed from my credit report or my report updated to reflect showing paid in full. I received notification from XXXX  on XX/XX/21 indicating that my dispute yielded updated information, however the dispute did not accomplish my goal. That updated information indicated that as of XX/XX/21, my account was past due for the full balance remaining of {$1200.00} and remains an open collection. I want to file formal FCRA violation complaints against The Bureaus, Inc. and XXXX XXXX XXXX. The former is the collection agency showing on my credit report and the latter is the company that is showing on my bank statement as receiving my payment. I have never entered into ANY contractual agreement with either company and a web search of both companies shows that they are separate entities with separate addresses, yet I dialed a single phone number to a single company ( The Bureaus, Inc. ). Please research my claim and inform these companies of their formal FCRA violation. There should be no reason why a debtor pays a debt in full yet the creditor reports false and/or inaccurate information to the credit bureaus after the debt has been paid in full.
Consumer complaint received 2022-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MD)

I submitted a dispute for services not rendered as described ( false advertising ). Another credit card company investigated the same claim in my favor, and even though I did receive services, they were subpar. I provided emails, text messages, and photos supporting my claim. I also submitted complaints to the FTC, attorney general ( due to the false advertising / fraud ), and the XXXX. Citi bank wrongfully found in favor of my merchant and will not allow me to appeal.
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Army and Air Force Exchange Service (GA)

I applied to and was approved for a credit card with MILITARY STAR CARD aka The Exchange Credit Department in XX/XX/2016. I have made all payments on time. This account has not being reported to any of the THREE MAJOR credit bureaus, such as XXXX, XXXX  or XXXX  as an account and one in good standing. The credit card limit is {$6800.00} Please have them ( MILITARY STAR CARD aka The Exchange Credit Department ) report this credit card account to XXXX, XXXX  and XXXX  Credit Bureaus as it is positive credit history with a balance of {$00.00} with on time and no late payments, that will inevitably be favorable on my credit report and will help to increase the score.
Consumer complaint received 2021-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (CT)

Every month on the XX/XX/XXXX/XX/XX/XXXX I get a {$10.00} charge from XX/XX/XXXX XXXX CA for over a year now. A year ago the charge was XXXX dollars a month, and I have 0 XXXX subscriptions I have attached this card to. With my previous credit card that has now expired, I disputed the charge with TD bank and they gave me a new card, but the charges have returned again. When researching the phone number, I have discovered that this is a common credit card scam that needs to be reported and disputed with the FTC.
Consumer complaint received 2021-02-18
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. (AR)

THE FOLLOWING UNAUTHORIZED PULLS MUST BE REMOVE TODAY OR FACE CLASS ACTION LAWSXUITS.THE XXXX XXXX XXXX XXXX XXXXXX/XX/2020 ALL HARD 10 ON EXPERIAN
Consumer complaint received 2021-02-18
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: Experian Information Solutions Inc. (NY)

experian opened up my dispute for XXXX  XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX experian received letter via upload almost a month ago the 30 day mark is near and they are now stating XX/XX/2021 for a resolution. this is a clear violation
Consumer complaint received 2023-02-20
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. (LA)

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 2021-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I tried to make a payment at an atm on XX/XX/2020 for {$130.00} and the atm took my payment and gave me a receipt with a number to call. The is interesting due to I took payment from one credit before I tried to pay and I " also '' have proof of this transaction as well. 

The encounter was at bank of america atm on XX/XX/2020 at XXXX XXXX. The location was 8 mile & XXXX in XXXX Michigan. The receipt # XXXX. I had to wait for 2 billing cycles and was told I would have an answer by XX/XX/XXXX. They implied not to pay my card until the problem was resolved and I would have had late payments on my credit file by now. 

Please have to issue my payment back to my card and wave interest charges for one month because I had to pay interest on coming up with the payment to repay the payment that was taken. We should not have to wait two months on something that was not a customer fault especially during XXXX time. It is a really unfair method.
Consumer complaint received 2021-02-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (IL)

MIDLAND CREDIT MANAGEMENT , INC. are attempting to sue me for a debt. The company has used unfair, and unconscionable means to collect or attempt to collect debts. The company did not present the original contract. Pursuant to 15 USC 1692 ( I ) ( b ) : Authorization of actions : nothing in this sub chapter shall be construed to authorize the bringing of legal actions by debt collectors. 

This debt collector has placed derogatory items on my consumer credit report and participated in identity theft regarding my information. I have never given this company direct consent to obtain any of my information. 

The company had its attorneys reach out to me in which no remedy was given. Pursuant to 15 USC 1692 ( e ) ( 3 ), attorneys are of false representation. However, my instruction for remedy was not completed properly. Both companies have violated the TILA, FDCPA and FCRA. I would like remedy and this matter to be resolved immediately.
Consumer complaint received 2021-02-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (FL)

MIDLAND FUNDING purchased an old credit card account from XXXX XXXX. the last factual date of activity and payment is not reflected in the report. Midland has entered their own arbitrary date which incorrectly reflects the 7 year statute of limitations. 

Midland has also failed to provide proof of account ownership from XXXX XXXX custodian of records. They only offer copies of the last few statements with an existing balance, a balance not indicated as to when the purchase was made or last date of payment activity - only " existing balance '', which I refuse to accept as proof of ownership.
Consumer complaint received 2021-02-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (CA)

I've been in default with my loan servicing company, SN Servicing Corporation. Although a moratorium on foreclosures was effective in California as of XX/XX/2020, the loan servicer and foreclosure trustee, XXXX XXXX XXXX moved forward with a non-judicial foreclosure at XXXX in XX/XX/2020. The sale reverted back to the loan servicer and owner of the note, XXXX XXXX XXXXXXXX XXXX, as Trustee of the XXXX XXXX XXXX XXXX. 

SN Servicing breached the California governors executive orders of banning foreclosures as a foreclosure took place at XXXX in the morning. Now, the attorney representing the investor has filed for eviction against me. There is a moratorium prohibiting evictions in California until 90 days after the Governor 's general order has been lifted. However, they are breaching any and all agreements. 

I would like action from the CFPB to investigate the foreclosure sale and investigate the eviction practices.
Consumer complaint received 2021-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

i contacted lexis nexis 6 different times and was directed to submit documentation via email. The email they keep providing me with isn't valid. This company is reporting a bankruptcy on my consumer report which one employee says they received from XXXX ; when i spoke to XXXX they denied providing that information. the other says they got from a employee of the court, that's not true! upon me contacting the court an employee told me they DONT NOT GIVE OUT PERSONAL INFORMATION. I've also asked for the name of the employee at the court who provided this information to Lexis Nexis and no name could be furnished to me or documents.All both reps kept telling me is they received this information from the source, i challenge the validity of this, i know this is a lie, XXXX denies it and the courts told me they did not. I am and was disputing the validity of the Bankruptcy their reporting on my file WHICH THEY DID NOT OBTAIN FROM A COURT OFFICIAL. if they verified this information they should have supporting documents i would like to see them, since its attached to my consumer file
Consumer complaint received 2021-02-17
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: T.S. Holdings (PA)

XXXX at XXXX I am responding to your contact about collecting a debt. You contacted me by email on XX/XX/XXXX and identified the debt as owing {$1300.00} to XXXX at XXXX. I do not have any responsibility for the debt you are trying to collect. This is not my debt and I do own no ownership of it. Please stop all communication with me via email, phone or otherwise, and record that I am disputing any obligation for this debt. If you attempt collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

They have been calling for months after I sent letters again in XX/XX/XXXX. I now have the debt listed on my credit report.
Consumer complaint received 2021-02-17
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have entered into a repayment agreement with XXXX to satisfy the outstanding balance in 3 monthly payments of {$260.00}. The last payment is due XX/XX/2021. However, the attached information indicates that XXXX has made errors in the balance owed ( {$1100.00} ) and the amount of the payment due ( {$740.00} ). These errors by XXXX are being reported to the credit bureaus are they are harming my credit history. 
I have raised them numerous times to XXXX.
Consumer complaint received 2021-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX  and Transunion should not be reporting me as an authorized user on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2021-02-17
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: AMERICAN HONDA FINANCE CORP (NY)

American Honda Finance account has been closed since 2011 and still appears on my credit report with inaccurate information. The account was paid in full in XX/XX/2011. I've disputed this several times with XXXX  and nothing has changed.
Consumer complaint received 2021-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My auto insurance company issued a check to pay the balance off in full on XX/XX/XXXX for {$13000.00}.XX/XX/XXXXdid not apply the check to my account until XX/XX/XXXX and they reported the XX/XX/XXXX payment as late on my credit report. The payment was not late. The payment was received by XX/XX/XXXXwithin the grace period allowed by my loan of 19 days and the payment sat in their office for over 14 days until XXXX decided to apply the payment. I spoke to XXXX regarding the payment several times during XX/XX/XXXX their response was that they were behind due to COVID-19 and the holidays. I should not penalized due to the pandemic and the holidays when my payment was issued and received by them within the grace period. Furthermore, before the check was issued the insurance adjuster spoke to XXXX and they quoted her a loan payoff amount of {$13000.00} that was good until XX/XX/XXXX. The insurance company issued the check amount {$13000.00} that should have paid off the loan in full. XXXX let the check sit in their office for over 14 days and applied it on the XX/XX/XXXX and is now telling me that amount did not pay off the loan. The payment was more than the quoted amount and was enough to pay the loan off in full. I would like XXXX to accept the check they have cashed as payment in full for the loan and close the account and mark it as paid. I would like XXXX to delete the late payment they have reported to my credit report due to the fact the payment was not late and they waited so long to apply the payment to my account.
Consumer complaint received 2021-02-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivable Solutions, Inc. (OK)

I was contacted by Receivable Solutions, Inc. in XXXX, SC about medical bills. I received my first statement XX/XX/2020 showing a balance of {$3400.00}. I made a payment of {$100.00} in XXXX, XXXX, XXXX, and XXXX of {$100.00} each month. The next statement I received was dated XX/XX/2020 with a balance of {$3000.00}. I sent a payment in XXXX of {$100.00} and received an XXXX statement with a balance again of {$3000.00}. The next statement was dated XX/XX/2020 with a balance of {$690.00}. I sent {$100.00} payments in XXXX, XXXX and XXXX. The payments in XXXX and XXXX were never deposited. They contacted me in XXXX and I asked them at that time for a printout showing the payments I had made and how they were applied. I have received nothing from them since. Today they called me and told me I needed to make payments. I told them I won't make another payment until I receive a statement of some kind and reminded them that my two payments were never deposited. The girl on the phone made excuses about how the mail has been unreliable because of the pandemic. This company has no website to check your balance. There's no way to make an online payment. I can make a payment over the phone with my debit card but get no receipt or statement to show the payment was made. I do not trust that this company is honest or legitimate. Their communication with me has been so erratic that I don't believe them to be a reliable business.
Consumer complaint received 2017-09-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: American Student Assistance (WA)

XX/XX/XXXX I rolled my husband 's and my student loans in to a consolidation with promises of a 3 % intrest rate with American Student Assistance, that never happened. They made prmises they did not keep. 

On or about XX/XX/XXXX, I requested a forbearance or delay in paying my student loans due to unemplyment and homelessness. I had a XXXX XXXX so I would get my mail. I thought everything was ok and that I got my forbearance. I began working in XX/XX/XXXX, my second paycheck was garnished with no warning. Found out it was American Student Assistance and they started taking a quarter of my wages. Saying my loans were in default. Called them to find out why ... they said the forbearance was denied because I had no phone number I explained I was unemployed and homeless. They said my loans were in default and wages would continue to be garnished. I tried to resolve the issue a couple times stating my wage amounts and what I could afford and did not know what else to do. 

I believe that the loans were never in default. 

Also in the last ten years I have never once received a bill or any statements for amounts they received or took other than my wage stubs and tax lien notification from IRS. They have never sent interest paid amounts for tax purposes. I know they have had my address because I received privacy notices.
Consumer complaint received 2022-05-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got in the wrong hands ....
Consumer complaint received 2021-02-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CO)

XXXX XXXX XXXX XXXX PayPal has disclosed to my social security number through an email they sent which is very very disturbing. And I think PayPal needs to be investigated and I think the department of Labor needs to be contacted I just wanted to update I have created a support group online and I have tons and tons of people saying the same thing has happened that has happened to my account with PayPal as soon as I received my pua deposit for all my back pay which is {$6000.00} they have just all of a sudden and i did nothing wrong absolutely nothing wrong, they just come up with all these different excuses which they won't exactly tell me because I didn't do anything wrong just like they're telling all these other people they're just saying they can not do business with us anymore we can not use paypal and they're holding our money for 180 days I have so many cases that it's unbelievable and investigation needs to be done on PayPal
Consumer complaint received 2017-09-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

We took out a Parent Plus Loan from Navient for our daughter to attend XXXX. She graduated in XXXX, XXXX so the payments started in XXXX of XXXX. We make ( 2 ) payments every month : 1 ) {$1700.00} for our portion of the Parent Plus Loan and 2 ) {$300.00} for a student loan our daughter, XXXX, took out to close the gap. 
We make the payments every month and we pay more than is required. 
In the twenty ( 20 ) months that we have been making payments, so far Navient has 1. Lost a check for {$300.00} even though BOTH checks are sent in the same envelope every month and 2. Did not credit our XXXX XXXX payment of {$1700.00} to our account even though they did credit the {$300.00} and, again, BOTH checks are sent in the same envelope every month. 

Fortunately, because we had gotten ahead on the {$300.00} payments ( Navient sent two invoices within the month of XXXX, XXXX for the same payment so we just made the extra payment to make sure there were no problems ), the only consequence of losing the {$300.00} check was that we were no longer ahead on the account. 
In the case of the missing {$1700.00} credit, I called Navient when I noticed that the invoice we received showed the account as Past Due. After waiting on hold for nearly 20 minutes, the Navient representative told me I would have to fax over a screen shot of my bank account showing that the payment had cleared. Because Navient does NOT actually cash checks but uses the checks for electronic withdrawals, there is NO cancelled check for me to send to show the payment had been made. As of today, I have not heard anything back from Navient as to the status of my account ( this was done on Thursday, XXXX/XXXX/XXXX ) so I will have to call them again tomorrow to make sure the payment has been properly credited. 

Clearly Navient is a sloppy company that is raking in billions in student loans. In only 20 months of payments they have made 2 very careless mistakes. Something needs to be done to hold their feet to the fire and make sure they are servicing these loans in a responsible matter. 

Thank you. 
XXXX XXXX