davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-23
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. (GA)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.
Consumer complaint received 2023-04-14
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. (TX)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. The items are listed below : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$610.00}, XXXX XXXX Balance : {$4800.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$1600.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00}, XXXX XXXX Balance : {$180.00}, XXXX XXXX  XXXX Balance : {$630.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter to XXXX, Transunion, and XXXX to investigate my accounts. It has been over XXXX  days. These consumer reporting agencies are in violation. 
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 or 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-30
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: EQUIFAX, INC. (CA)

According to 15 USC 1681i, Equifax shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.They are in violation with the following accounts by not updating the current status as disputed and update the date of reinvestigation. XXXX Acct # 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 2021-08-05
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. (CA)

FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Reference : XXXX Account # : XXXX I paid my account in full on XX/XX/2019 and the account was closed. 
XXXX  XXXX reported me 30 day late for XX/XX/2019. 
Please review attached document as the document from XXXX  XXXX shows account was paid in full and account closed XX/XX/2019. 
Please follow-up with XXXX  XXXX and have them update the credit bureaus with the actual data for this 30 day late inaccurate reporting on my account.
Consumer complaint received 2023-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aspen National Financial, Inc. (NJ)

Aspen National Collections acquired my 2022 unpaid maintenance fees from Vacation Village a time share that I foolishly signed up for and only use used once maybe 15 years ago. The account representative XXXX XXXX set up a payment schedule to discharge the debt ( now much larger due to their fees ) where I would make 2 payments of {$500.00} in XXXX and XXXX, and XXXX final payment of {$200.00} in XXXX. This was done. 
Thinking this burden was behind me I was shocked to get another bill dated XX/XX/XXXX for XXXX. The letter stated that suitable arrangements had not been made, plus that I was responsible for interest that accrue day to day. I called immediately. They blamed a typo for the issue and stated that the original agreement was a mistake. 
They said they always manage collections in equal payments and any recollection on my part of the rep saying otherwise at the time he set up the schedule was wrong. They made no acknowledgement of any fault on their part and proceeded to threaten my credit and warned that the balance will only get bigger the longer I resisted payment. 
Aspen is bad at Accounting and unfaithful to their agreements. Their fees are predatory and they callously advise debtors to open credit cards to pay collection debt.
Consumer complaint received 2017-05-19
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: PNC Bank N.A. (AL)

My complaint being filed is agai nst PNC Bank. I have been receiving documents for over one year that belong to another person that lived at my current address three years ago. I have called and written PNC Bank to delete my address from this person 's account, but can not get any response fr om them.     On  XXXX   XXXX   2017 , I received a letter from a collection agency,  XXXX   XXXX   XXXX , in regard to this person 's account with the bank . PNC Ba nk gave the collection agency MY address and therefore, I am now receiving letters fro m PNC  Bank and  XXXX   XXXX   XXXX  in regard to an account that does not belong to me.     Documentation is attached to my complaint. I am tired of being harassed by PNC Bank and now they have shared my personal address with a collection agency, that is also harassing me by mail.
Consumer complaint received 2023-05-19
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: EQUIFAX, INC. (NC)

I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 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 EQUIFAX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon EQUIFAX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681. I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly removed and blocked.
Consumer complaint received 2022-12-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (PA)

In just XXXX alone we had {$170.00} in overdraft fees... .this is a system put in place to make sure people who are struggling continue to struggle. Despite requesting bills not being taken out due to low funds they did not adhere to our request and allowed the fees to pile up anyway. This affected the next month where we had to pinch pennies just to pay the mortgage. We are still behind on bills and Wells Fargo only makes the situation worse.
Consumer complaint received 2023-01-02
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: EQUIFAX, INC. (FL)

My name is XXXX 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 2017-04-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Funding , LLC is attempting to collect the debt that I do n't owe. I never establish a contract with this company. Furthermore this company is violating the FCRA by placing a negative negative tradeline on my credit profile and they are tarnishing my name.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Velocity Portfolio Group (FL)

In XX/XX/year> I noticed an unknown creditor on my credit report. I contacted the creditor that notified me that they were a collections agency. They asked me what was the name of the original creditor on the credit report. I stated that the original creditor has the name of the collection agency listed and I have never heard of them and if they could send me some kind of verification so that I can validate the account. After giving my name date of birth, account balance listed on the credit report, and other verifying information they refused to provide me any information on the account and told me that since it was on my credit report it was my responsibility to verify if the information is correct and if the creditor refuses to provide the information that it was my problem to deal with and then the agent hung up the phone. I called again and received the same treatment just because the original creditor is not listed on the credit report and the credit reporting agency has the collections company listed as the original creditor. I have never heard of this creditor, I have never had an account with this creditor, and although the creditor is reporting information on my credit report they refuse to give me any information on the account, and I believe the account is fraudulent.
Consumer complaint received 2023-01-02
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. (OK)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$27000.00}
Consumer complaint received 2023-04-14
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. (MD)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/20 I sent a dispute for the following accounts appearing on my credit with multiple inconsistent information across all 3 Credit reporting agencies XXXX XXXX XXXX XXXX XXXX XXXX  2 XXXX XXXX on XX/XX/20 they response with a procedure of Dispute and nothing else On XX/XX/20 I also sent a Dispute for XXXX  XXXX Late payments being reported with inaccuracies all over the payment history XXXX I sent yet another letter asking them to verify the information and provide actual proof of the information that have been provided to confirm the accuracy in their reporting XXXX I opened an account online to see if they even have a dispute open and to my surprise they have nothing. 

This is a complete violation of my rights to dispute information. I also included in my disputes a copy of my driver license, social security and copy of my bill so I don't understand how this can be over looked. 

I have also attached the copy of the certified copy of the receipt that they received it as well
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

My student loans should be removed off my credit report STAT! Student loans on my credit are a violation of " FERPA 1974 '' per 20 U.S.C. 1232g ( b ).
Consumer complaint received 2023-02-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

Around XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX XXXX from my Coinbase account to fraudulent investment firm.
Consumer complaint received 2023-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (PA)

I constantly check my credit report and noticed that there are false and misleading information on this account that didn't meet credit reporting standards of being 100 % correct. Requested proof of this account and company hasnt't met the demands of what was requested. This has damaged me and held me back for some time. Im demanding Cfpb to enforce correction of these items an updating to paid in full.
Consumer complaint received 2024-06-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (TX)

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As a matter of fact, XXXX was investigated by XXXX XXXX XXXX? XXXX -- XXXX Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as DeVry, I was able to file a Borrower Defense claim with the Dept. of Education against XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and my Fed. loans of over {$200000.00} were discharged and my credit repaired. My Borrower Defense Claim was also part of the Sweet Vs. Cardona settlement for which I was a full class member. I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early 2000 's. These private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least 150 for profit online schools. After I received the message from Navient that I qualified for the school misconduct application to be sent to me, I filled it out and printed off copies of evidence of school misconduct from XXXX then sent in my application. 
I received a reply back on that I was denied for multiple reasons but they did not tell me a specific reason why my application was denied even after all the evidence I provided. It is a well known fact that XXXX is a school that has had misconduct for years but I have paid over {$38000.00} to Navient since XXXX, I still owe {$20000.00} and have never been in default and was still denied without a specific reason. My original loan balance was only {$21000.00}.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2020-12-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TN)

I have tried on numerous occasions to learn why Chase Mortgage charged me over {$500.00} and passed this fee on to the new mortgage servicer, XXXX XXXX. I have asked on numerous occasions for documents as to why they felt they could charge me this ridiculous fee without my permission. I have asked for documentation of something showing I authorized them to charge this fee. They have not provided this to me. Someone named, XXXX XXXX, sent me a letter dated XX/XX/2020 saying the Note or Security Instrument signed at closing gives them permission to protect their interest in the property if the account is past due. 

- First - the account has NEVER been past due - Secondly - I asked for this document they say I signed and to date they have not provided it to me. 

What's at stake right now is I have been paying extra on my mortgage every month, but the current servicer has applied this money to the fee that Chase Mortgage erroneously assessed to my account. Now my amortization schedule is off and I will end up paying more interest than I had planned.
Consumer complaint received 2017-04-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (MD)

I have communicated with the debt collector by way of certified mail for the agency to certify the debt to which they has refused to respond. They refuse to prove that the debt is in fact mine. I have made the request numerous times.