davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (VA)

The events commencing in XXXX when my student loan of {$34000.00} was first sold to XXXX at an APR of XXXX XXXX. I paid the loan off in good faith in XXXX, XXXX in the amount of {$36000.00}, disputing the usurious interest attached to my loan. Despite paying this {$36000.00} amount, the sale and resale of my loan, accruing interest with each sale, has my loan at the present amount of over {$100000.00}. 
The table below outlines the loan activity over the years. I utilized each lenders documentation to devise this table : Statement Date Lender Amount Owed Amount Paid XXXX Notes XX/XX/XXXX XXXX {$34000.00} XXXX XXXX First known student loan statement XXXX XXXX {$44000.00} XXXX XXXX Consolidated loans XXXX XXXX XXXX {$61000.00} XXXX XXXX XXXX purchased loan from XXXX XXXX XXXX XXXX {$56000.00} XXXX XXXX Balance decreased for reasons unknown XX/XX/XXXX XXXX XXXX {$36000.00} Disputed accrued interest, issued {$36000.00} payment, lenders allowed interest to accrue XXXX XXXX {$64000.00} XXXX XXXX  XXXX purchased loan from XXXX XX/XX/XXXX XXXX {$64000.00} XXXX XXXX  XXXX XXXX  sold loan to XXXX XXXX, XXXX  XX/XX/XXXX XXXX {$85.00}, XXXX XXXX XXXX Incredible ! 
XX/XX/XXXX XXXX {$87000.00} XXXX XXXX XX/XX/XXXX Fed Loan Servicing {$89000.00} XXXX XXXX XXXX XXXX XXXX  assumed loan from XXXX XX/XX/XXXX XXXX XXXX XXXX {$98000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$98000.00} XXXX XXXX XXXX Nelnet {$98000.00} XXXX XXXX  Nelnet assumed loan XXXX XXXX Nelnet {$110.00} XXXX XXXX XXXX XXXX Incredible !
Consumer complaint received 2022-11-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

I have a Citizens Access ( CA ) online high yield savings account. It is to my XXXX XXXX ( XXXX ) checking and savings account to transfer funds between accounts. On XX/XX/22 I attempted to transfer XXXX {$1500.00} from XXXX to CA. This would have brought the CA balance to approximately {$9500.00}. Somehow, the CA account continued to increase in {$1500.00} increments XXXX more times on XX/XX/22. XXXX has declined XXXX of these so far. I talked with CA Rep XXXX on XX/XX/22 and she said these would jus fall off at the end of the month. Yet the {$1500.00} pending transfers keep increasing. This could wreck my XXXX account, which is my main account.
Consumer complaint received 2023-05-24
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (GA)

In accordance with the Fair Credit Reporting Act Navient Account # 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 consent.
Consumer complaint received 2023-02-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/XXXX, I opened a HELOC Account with Suntrust Bank in the amount of {$36000.00}. I used {$31000.00} dollars of that money and left the remaining {$5000.00} in the account. 

On XX/XX/XXXX, I requested the additional {$5000.00} from Suntrust Bank and it was granted. 

The problem is all payments on the {$5000.00} account goes to interest only, although the loans were set for principal and interest applications. I have made all efforts on the phone, by mail, and in person at local branches to correct and resolve this issue. As of today 's date, XX/XX/XXXX, they refuse to make the necessary corrections to apply the payments correctly to and bring the loan balance down. 

First Account in the amount of {$36000.00}, error is made on XX/XX/XXXX, the payment was applied to interest only and on XX/XX/XXXX the payment was applied to principal only Second Account in the amount of {$5000.00}, errors are made from XX/XX/XXXX thru XX/XX/XXXX by applying all my payments to interest only I would like for Truist Bank to make corrections on both accounts and in writing to please provide an explanation and action taking. 

Thank you
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2023-01-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Action Revenue Recovery, LLC (TX)

The only reason I knew this debt was still trying to be collected is the debt collector ACTION REVENUE RECOVERY XXXX XXXX XXXX XXXX, LA XXXX Placed a negative report on my credit. This is medical debt that should have been billed to the VA. Under current laws posting this is an illegal action. 
The original company was notified by the VA in writing that they incorrectly billed the VA. There was no attempt to correctly bill the VA. 
Also no notice of collection was ever sent to me by this company before they posted negative credit information. They never attempted to validate the credit and never gave anything in writing to me. The only reason I knew this is on my credit was due to my score changing, I had to get the number and name from the credit score agency. 
When I tried to talk to this collection agency, I was yelled at to stop talking and they wanted my name. When I told them to stop yelling at me they continued to interrupt me and I cused at them to stop yelling at me. Then they hung up. I attempted to call back, they stated " we ain't talking to you enjoy your credit ''. Then hung up. I called again. The person stated are you done cursing at me and raised his voice again asking me for my name, I asked to speak to a XXXX he stated he is the only XXXX today I'll have to call tomorrow. When I asked for his name he got angry and stated he already told me his name and hung up on me. This company is a shark and is showing it is a shady company doing illegal practices. My XXXX is now triggered and I am having XXXX XXXX
Consumer complaint received 2023-01-20
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. (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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 2023-01-08
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. (TX)

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 USC 1681 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 


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 ( 2 ) ( 5 ) Sections states. No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items 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 to any consumer reporting agency if the person knows or has reasonable believe that the information is inaccurate.
Consumer complaint received 2023-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NJ)

My XXXX and XXXX shows that I have a missed payment from my Wells Fargo Credit Card ending in XXXX which is inaccurate. I never missed a payment. Wells Fargo agreed to fix the problem but it has yet to be fixed with the credit reporting agencies. I am very upset. This has been going on for XXXX months.
Consumer complaint received 2017-05-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ZWICKER & ASSOCIATES (RI)

XXXX /17  - This company has been calling my  Mother  's home repeatedly.   I have several different numbers for them :  XXXX   XXXX   XXXX  They are Zwicker and Associates www.zwickerpc.com  XXXX   XXXX   XXXX   XXXX   XXXX  MA  XXXX  I have sent letters to all companies I owed debt to explaining I do not live at my Mother 's.   I am currently ill, filed for  XXXX  and have no job and no income. I have asked many times that they not call my Mother due to the fact she is recovering from  XXXX   XXXX   XXXX  and still undergoing treatment. These calls are harassing and I have no means in which to pay them right now so I can not resolve this until I have income.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.
Consumer complaint received 2023-02-07
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX, XXXX, XXXX ; XXXX XXXX XX/XX/2021.
Consumer complaint received 2017-05-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (OH)

On or about  XXXX   XXXX ,   XXXX  , I noticed that a LVNV Funding LLC company had reported a derogatory mark on my  XXXX  and  XXXX  credit file. This is an unknown entity and I am not familiar with this company, nor have I done business with this agency in the past, however, this agency is reporting adverse information on my credit file, which is causing harm to my creditworthiness.     This agency is associated with  XXXX   XXXX    XXXX    XXXX  as my credit file reference  XXXX   XXXX  as an original creditor in some form, however, I have no relationship with either organization. This company has never sent any information to validate this debt, or show evidence that I have any contracts, or outstanding debts with them whatsoever.
Consumer complaint received 2022-11-26
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. (NY)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND WAS SHOCKED TO SEE THE THERE ARE NUMEROUS FRAUDULENT ACCOUNTS ON MY CREDIT PROFILE. THIS IS HURTING ME AS I AM IN THE PROCESS OF BUYING A HOME FOR MY FAMILY. PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT PROFILE AS SOON AS POSSIBLE.
Consumer complaint received 2023-03-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (IL)

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 : CREDENCE RESOURCE MANAGEMENT Account name : XXXX XXXX XXXX XXXX Account name : XXXX, XXXX. 

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 2017-05-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (FL)

On   XXXX   XXXX   XXXX   I checked my credit report and I noticed an unfamiliar debt being reported by professional debt mediation for {$2100.00}. On   XXXX   XXXX   XXXX   I sent the company a letter asking for a validation of the said debt. On   XXXX   XXXX   XXXX   I received a response from the company including what they considered a debt validation letter. Included was a copy of the lease that I signed beginning   XXXX   XXXX   XXXX   to   XXXX   XXXX   XXXX  . Which is correct. Also included was a statement of charges charging late rental fees for  XXXX  and  XXXX  of  XXXX  and also  XXXX  of  XXXX  all dates I was not living in the apartment any longer. It also shows an eviction which I was never evicted, I moved out at the end of my lease. On  XXXX / XXXX / XXXX  I reached out to the company making them aware of the inaccuracies and asked that it be removed from my file. I sent the same letter again  XXXX  weeks later and still no response.
Consumer complaint received 2023-02-07
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: LEXISNEXIS (MI)

LexisNexis Kept disregarding my disputes, by telling me they want me to send them a proof of id verification, last check stub, and cell phone bill. I sent them a certified letter, and they never responded. Attached is copy of driver license, copy of phone bill, copy of last check stub. The matter is a bankruptcy, I contact the bankruptcy courts in XXXX and they responded with a letter that I will attach below. They dont provide court records to credit bureaus. 

>I have previously disputed this item with you > XXXX XXXX XXXX MICHIGAN. Reference # XXXX < and in response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 16811 ) and the information must be deleted immediately.<
Consumer complaint received 2022-09-07
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. (GA)

My information such as my identification card, social security card, full name and address, along with my bank routing and account number has been stole and unauthorized used by someone online, they used my information to open a loan I my name, I did not authorize for my information to be used nor did I do this myself, this was fraudulently done by someone else I do not know. XXXX XXXX has an incorrect phone number that was verified to open the account which isnt mine all the other information they have has been stolen and fraudulently used such as my name, social security, address and bank account, all that information was compromised online and miss used.
Consumer complaint received 2021-01-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/XXXX 30 DAY DEMAND XX/XX/XXXX
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Creditor : XXXX XXXX XXXX  XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (SD)

On XX/XX/2023, I paid {$1500.00} towards an approximately {$2900.00} balance on my Wells Fargo Card. I received my statement dated XXXX and it reflects that payment, however the bulk of the payment went to the 2 promotional 0 % balances as opposed to going towards the regular purchases coming in at 21.40 %. The 0 % does not expire until XXXX of 2023. The large payment was meant to pay down the 21.4 % interest. In all my dealings with credit cards, the payment has always gone towards the larger interest rate. I called the bank and spoke to a customer service rep on XX/XX/2023 and he didn't really explain it very well why this happened. I asked to speak to a supervisor and was transferred to a gal who explained that it was because I am still using that card for purchases. I said I use it because it has Rewards that I like to cash in for gift cards. She said that I should get ANOTHER rewards card with them for that if I don't want my payments to go towards my promotional balances 1st. This does not seem right to me. I don't feel I should have to have to Rewards cards with the same bank in order to have my payments applied properly.
Consumer complaint received 2022-11-21
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XX/XX/21 Balance : {$0.00}
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The total debt reported on my XXXX and Transunion credit report is showing as {$11000.00} and that is incorrect. The correct amount is {$8600.00}. This error has been on my record for months and I find this to be unacceptable that they are not keeping up with the correct updates like XXXX does.