davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-12
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. Which is affecting me in various way and making it difficult for me to get a property. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-01-08
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

On XX/XX/2022 I sent a Certified letters out to the credit bureaus. My tracking numbers are XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX asking them to reinvestigate my accounts The Credit bureaus stated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is not accurate. This is ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A section 2 The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report as well and now isn't the time to update.
Consumer complaint received 2017-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I had a lease wi th Toyota Financial Services.    My car was in the accident and it was a total loss.     I had full coverage with insurance and they supposed to pay for the car in full.   But they had issues with body shop where I took the car, so they did n't pay in full.     I was suing insurance company and I won in court, but the whole litigation process took over a year. Once I got money from insurance company after winning in court, I paid t o Toyota Financial S ervices Since  insurance company did n't pay in full initially, Toyota Financial Services p ut a mark on my credit bureaus profiles that I have a derogatory account. And even after I paid them with the money I got from the insurance company, it still stays on my credit report.     I always pay everything on time and do n't have any missed payments ever, but with this situation with TFS and insurance company now I had a bad account on my credit report which stays there for 7 years and prevents me from buying a house or getting any loans.
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

XXXX no longer services my XXXX loans and that is reflected on my account information on their website, but the credit bureaus keep reporting it even though I've disputed it several times. The new government XXXX  loan servicer is XXXX with a total debt of {$140000.00}. The old XXXX account is part of this. They need to remove the {$63000.00} XXXX account. I have documents from my XXXX account to prove this. The credit bureaus should be able to access this information.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

Hello, To whom this may concern I have sent letters out on the XX/XX/2023 to remove all incorrect information on my credit, I provided ARS with a letter demanding the original contractor or letter of agreeance stating that I signed a consent form for their collection agency to take over to my contract, I even provided proof of identification ensuring that it is I requesting these hard inquiries be removed immediately from their reports and my credit report. In each letter I stated that I would like to receive my proof of reassurance by mail addressed to the address printed on the letters and I also gave them 30 days to do so and by law since they have not been in contacted with me within those 30 days assuring that they are entitled to remove all incorrect information and hard inquiries from my credit report immediately.
Consumer complaint received 2019-10-18
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)

In 2018 I suffered a debilitating illness and was in the care of a family member which required me to leave my residence and move in with my sister at her residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts with XXXX XXXX XXXX and now that account is in collections with " XXXX XXXX XXXX ''. There are several fraudulent credit inquiries posted to my XXXX credit file that I did not authorize.
Consumer complaint received 2017-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK (NY)

On  XXXX   XXXX ,    2017  at    XXXX   XXXX   XXXX   XXXX  , I  spoke to a Discover representative  XXXX  to see if Discover would reduce my APR interest rate. He said they could if I voluntarily suspended my account, and it would not affect my  credit score. I explained the reason I opened an account with Discover was to improve my credit score,  that my interest charges were making it impossible for me to reduce my balance. I told him I made over the required payments due monthly and have never been delinquent with my payments. and have not used my card for several months. I did not want to file bankruptcy. He thanked me and stated my  credit score  would not be effected. I received my    XXXX  2 017    statement and my  credit score  was affected, it read  XXXX  it was previously  XXXX . I called Discover toda y    XXXX   XXXX  ,  2017  at  XXXX    XXXX    spoke to   XXXX    XXXX  ;  XXXX   XXXX  told her of my previous conversation she transferred me to a representative named  XXXX   XXXX  ;  XXXX   XXXX  I told her of the previous conversation that I had with  XXXX , and the reason I voluntarily suspended my account was to better my  credit score she was very rude and dismissive she stated we dont do that, go online and check your credit score  I then asked if she would give me the name and address of the  C.E.O.  of Discover bank. She replied What? I repeated th e Chief Executive Officer of Discover. She replied What whos that? I said it would sound a lot nicer to say ex cuse me. She said Ho ld ON!  I held on f or fifteen  minutes, called back  XXXX   XXXX   XXXX  answered again, I asked to speak to her supervisor or Manager She said hold on I then spoke to Supervisor  XXXX  Id #  XXXX   XXXX    XXXX    told of the conversation with  XXXX  and asked if he would give me the name and address to the corporate department of  Discover  he said I can not, gave me  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Utah  XXXX . I asked if he had a physical address to the C.E.O he said no, I asked if there was a  manager  that I could speak to he said there are several managers I asked can you give me a name he said  XXXX   I asked    may I speak to  him he said they dont take calls you can write to the address I just gave you and they will look into it. I then called  F.D.I.C  who referred me to your department.
Consumer complaint received 2023-02-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Im a full time college student and had gone out of the country for school breaks and couldnt come back in time because XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. As a result, I missed my credit cards payments with XXXX  XXXX XXXX and XXXX XXXX. I also missed a balance assist loan payment with XXXX  XXXX XXXX. I could not contact them because I was out of the country and not feeling well due to XXXX. 
I recently got back to school and contacted them via phone to explain the situation and kindly asking them to remove the late payments on my file. I assured them that I plan to repay my loans in 4 days time. However, they said they could not remove the late payment reported to the credit beuareus. My XXXX XXXX has been heavily hit by those late payment reports. So Im trying to kindly get the late payment reports removed from my credit score. 

Im attaching a screenshot of an email send by the provost of my college to all my professors excusing me from moving back on campus during the time I had XXXX and out of the country.
Consumer complaint received 2023-02-06
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. (VA)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2017-05-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Management Outsourcing, Inc. (FL)

Nationwide Recovery Service h as place an account in collection for the amount of {$270.00}. I have disputed this with  XXXX  and never received a response.   I calle d Nationwide Recovery Service at (   XXXX   XXXX   XXXX  they said they dont have the information proving this is my account or if I ever signed for it. Their disregards for my concerns were astonishing.
Consumer complaint received 2023-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MI)

I have used the Commenity XXXX for about a year making small business charges. Never had a problem, paid my bill in full every month. Last month, paid my XX/XX/XXXX on XX/XX/XXXX and it did not get posted for 16 days so I got socked with a late fee and interest. Complained to company, they waived the late fee but not interest. I again paid the balance in full when I got XXXX bill on XX/XX/XXXX, sent payment on XX/XX/XXXX to avoid this happening again ( thought it could be due to holiday mail rush or something ) My due date is tomorrow and again ( after 13 days ) they have not posted my check. I contacted them through their messaging center, they are blaming the mail. I think they are trying to make money off people that pay their bill in full by making sure they get interest/late fees charged. I can not pay this bill by phone as they pushed me to do as it is paid through our business and I am not authorized to give out our banking info. I checked Commenity 's reviews on XXXX  website, they have a one star rating and it sounds like they pull this stuff a lot. One month, I can understand but now is becoming a pattern. My other credit cards post in XXXX days so they don't seem to have a problem with the mail. I'm not using this card anymore but I really don't want to ruin my credit because of them.
Consumer complaint received 2017-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (VA)

Chase Slate  has multiple categories of charges or how credit is used, such as balance transfers, cash advances, purchases, " checks '', etc. Each category can have a different APR.      Chase applies payments to categories based on their own rules. According to my statement, and confirmed by a CSR, payments are applied as follows : 1. Fees 2. Interest 3. Highest APR  balances to lowest APR balances.     I have  XXXX  concerns.     1. The statement does now show how payments are applied to each of these balances. If there is a payment allocation scheme for different balances then statements should show how payments are applied.      2. On  my account, the stated APR for balance transfers is higher than the APR for purchases ; however, my balance transfer was taken under a 0 % for N months offer. It is unclear, and is not stated anywhere I can find, for the purposes of payment allocation, is the APR for balance transfers vs purchases ( and other categories ) considered to be 0 % under the promotion or the higher APR that otherwise applies.     With these  XXXX  issues, I have no idea if my purchases are paid off before my balance transfer with the possibility of the purchase balance being assessed interest until the balance transfer is fully paid or if the purchase balance is paid first.
Consumer complaint received 2023-02-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TX)

I obtained a bar study loan in the amount of {$20000.00} from AES on XX/XX/XXXX with a fifteen year repayment plan. I have been paying on this loan each month for over 16 years. My payments are and have always been auto-drafted from my bank account by AES. According to AES ' records, I have paid {$11000.00} in interest and {$19000.00} in principal, yet AES says I still owe {$7900.00}. Additionally, the AES Tax Statement for the year XXXX shows I paid no interest, which isn't even what AES 's own records show. 

The Loan Details page on AES website states the repayment term is 48 months and the loan will be paid off on XX/XX/XXXX, four years from XXXX of XXXX AES appears to be refinancing the loan with every interest hike and unilaterally extending the repayment term. This allows AES to make more and more interest on this loan. Each time the interest rate increases, my monthly payment increases, so I shouldn't have a long repayment term as a result AES also appears to at the same time capitalizing interest onto the loan balance when I am making payments.

I am not the only person I know dealing with fraudulent application of payments by AES. When you call, you can not get a person who can even understand what you are questioning.
Consumer complaint received 2024-03-05
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. (GA)

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. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 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 2023-02-06
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. (FL)

I feel that these accounts are negatively affecting my credit report and costing me XXXXXXXX XXXX XXXX in interest every year which is outrageous. This is not a regular dispute I am filing. I have filed a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts being taken place. I need this problem fixed rapidly because I will not wait another 60 days to receive no response due to the fact that I am clearly being ignored. I demand these accounts be deleted expeditiously or I will file for litigation due to the stress you have caused me. In Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted immediately.
Consumer complaint received 2023-05-12
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: AVANTE (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2024-03-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (TX)

Navy fedral credit union took {$2000.00} dollars out of my savings account with no explanation on why the took it. The representative from navy fedral told me it would be A 10 day Investigation and has been prolonging my funds every since causing me to miss payments and enabling me to invest .....
Consumer complaint received 2023-05-23
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: ZIONS BANCORPORATION (NV)

I was charged a {$5.00} maintenance fee twice on my savings account for " insufficient funds ''. I only fell under the require limit one time in but was still charged that second time. I've called several times only to deal with conflicting information and rude representatives. Everyone is telling me something different and nobody can give me a clear answer as to why I was charged again for a {$5.00} maintenance fee when I was over the required minimum amount.
Consumer complaint received 2023-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IL)

I receive my final bill from the original creditor XXXX XXXX in XX/XX/XXXX. The due date for the bill was XX/XX/XXXX in the amount of {$55.00}. The bill was paid in full and the credit card account was closed. Soon after I started receiving bills in the mail associated with this same closed account. This has been going on for XXXX years and XXXX XXXX  dont even have my payment history in their system anymore to prove what I am saying about paying off my account. XXXX XXXX  was contacted on XX/XX/XXXX. Midland funding was also contacted on XX/XX/XXXX of XXXX and the amount in their system as well as the amounts from the bills that I have do not match up. I am trying to get this off of my credit as soon as possible.