davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-26
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)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2019-02-12
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: RFNA, LP (LA)

I was lied to summer 2018 by XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX, about them refinancing a loan to make the interest cheaper and it only made the loan payment higher and interest higher. This was misleading information from the start. On XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX placed a new inquiry on my credit report and I did not apply for a loan or give them permission to run my credit. I know this is against the law. 

Prior to XX/XX/2018, I contacted XXXX XXXX and they contacted my references inferring to them with letting them know I owed a loan. I contacted them about the loan and advised them to only contact me and they still made calls to references. I sent them a certified cease and decist letter to everyone but me. I advised them in writing of how I was going to pay them monthly. 

I requested to have added features taken off the loan which was supposed to be removed to bring down the monthly payment to make the loan affordable and they did not remove the fees. I sent them a letter in writing and been sending them at least {$150.00} a month for the loan. They sent a letter as if they were going to take off late fees if I paid monthly and they have not been trying to help with lowering the payments even after they said they were going to help.
Consumer complaint received 2018-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Between XX/XX/18 - XX/XX/18, I was in a physical altercation with my past roommates, and it resulted into me leaving all of my belongings ( phone, wallet, etc ) inside the house. I had to move back in with my mom and stepdad, and it took me a while to get back on my feet and I was extremely overwhelmed with a lot of things going on in my life. It was between XX/XX/18 - XX/XX/18 when my mom bought me a new phone and I was able to check my bank accounts, and I ended up having to file a claim after seeing {$170.00} missing from my account, putting my account in the negatives. I talked to someone in the fraud department and within 1-2 days they were able to refund my money. 

Due to me having multiple issues with Bank of America, I had made it my duty to close my account. I talked to a woman in the bank, located in XXXX, XXXX, and she notified me that Im not able to close my account until my account no longer has money so she walked me over to a Teller and I was able to withdraw the remainder of my money out of my account. She assured me that my account was closed, and I made a note to myself to open a new account with a different bank. But, I was still receiving emails regarding my account having overdraft fees taken out of it, making my account - {$260.00}, if not less. I was assured that the woman had closed my account and was extremely distraught that I was this much in debt when she had told me my account was closed. And now, I get an email saying my claim was valid and theyre reversing the refund, putting my account nearly - {$500.00} in the hole. Im now taking care of my Grandmother, and just have so much on my plate. I thought BoA wouldve completed my claim, and Im not sure why they denied my claim when I was robbed AND I had been told my account was closed, only to get a mountain of overdraft protection fees back to back to back. 

Please help me.
Consumer complaint received 2020-06-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC. (WA)

I received a call from Evergreen Professional Recoveries Inc on XX/XX/XXXX. 
I was unable to understand who this person was or where they were calling from. 
After a few minutes of back-and-forth asking her to repeat herself while remaining barely intelligible, she informed me she was attempting to collect a debt in excess of one thousand dollars with an original billing date of XX/XX/XXXX. I asked her to who the original creditor was or what it was for, and she said she was unable to tell me but continued to say 'evergreen ' which I only found out was the name of the collection agency itself and not who I was originally billed by after XXXX  the phone number. 

I attempted to determine what the original bill was for, and as I was to going through what it could have possibly come from that has already been resolved ( as I currently do not owe any money to any entity, and even at one point asked if I was supposed to send the collections company or the original creditor the receipts/statements with no real answer ) she hung up on me mid-sentence. I was not being abusive or aggressive, and though I admit to possibly rambling as it completely caught me off guard and I was confused, it was unprofessional and rude. Not entirely sure why someone attempting to collect a debt hang up on that debtor during a first contact call. 

I have received no written notice as of XX/XX/XXXX and the two times they have called since XX/XX/XXXX they have left voicemails that have been completely silent but for the sound of people in the background talking/working. 

They have failed to validate the debt, it is unequivocally nonexistent, and I believe even if there were- and this is not acknowledgment of the existence or legitimacy of said debt-, it was grossly inflated by the representative who spoke with me as I have never owed, much less agreed to the transaction of services for, anything even remotely close to the value that I was told.
Consumer complaint received 2020-01-03
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Brown and Joseph, Ltd (WA)

This is a debt that is not mine. It belongs to a business entity and was cancelled because they insured the wrong party/address and in wrong state. I asked them to stop calling me. They call and leave voice mails as if they are attorneys and never specifying that this is a debt collection/attempting to collect a debt. 

Collection Agency : Brown & Joseph , Ltd. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX
Consumer complaint received 2022-12-26
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. (CA)

XXXX, XXXX XXXX Equifax are in violation According to 15 U.S. Code 1681a - Definitions ; rules of construction states Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report. The following accounts are in violations for reporting such information without consent. XXXX XXXX Bank Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX & XXXX, XXXX XXXX XXXX  Acct # XXXX
Consumer complaint received 2020-01-03
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: Mandarich Law Group, LLP (CA)

I received a notice of intent to sue and incur costs letter from mandarich law group llp.. I had to respond by XX/XX/XXXX ... I called then XX/XX/XXXX ( date ingot the letter ) via my lawyer, that I could make a payment of {$350.00} on XX/XX/XXXX, and a payment arrangement for the balance. We were told that was ok, and no lawsuit would go thru and to cb in XXXX to make the 1st Pmt and start the payment arrangement. I got a call from some random attribution lawyer I have no idea how he got my number, that mandarich sued me XX/XX/XXXX!!! They lied and sued even tho we had an agreement they wouldnt and accepted my payment arrangement.
Consumer complaint received 2019-02-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (WV)

I received a letter from one of my loan services Navient dated XX/XX/XXXX stating that I needed to renew my repayment plan. The letter stated I needed to reapply by XX/XX/XXXX and gave XXXX as an option for reapplying. 

On XX/XX/XXXX I submitted an income driven repayment plan application online at XXXX XXXX to be sent to both XXXX XXXX and Navient. 

On XX/XX/XXXX I received an email from Navient stating my electronic application for an income driven repayment plan had been received. It also said that if I used the IRS data retrieval tool- which I did- that there was nothing I needed to do now. 

I received a letter from XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX stating that my IBR payment had been recalculated and was effective until XX/XX/XXXX. 

On XX/XX/XXXX I sent a letter to Navient explaining that I had submitted my information online for recertification and had received email conformation from them on XX/XX/XXXX that they had received it but had heard nothing since. I asked for written confirmation that my account had been updated. 

On XX/XX/XXXX I received an email from Navient stating that they had not yet received my renewal application.
Consumer complaint received 2024-04-08
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Media Collections, Inc (MI)

I was contacted by XXXX XXXX Account Representative Joseph , Mann & Creed XXXX Last week about an auto insurance policy that was canceled by XXXX XXXX, I told him that I likey make the payment in a week or XXXX I woukd have to see. I requested him send me the information in my email that I never received. He called me back today to make a payment and I said I likely could but I wanted to see the email that I was originally supposed to get. He the began to to birrade me and call me names, calling me a child and he's speaking to me like a man, I immediately told home that he is making me uncomfortable with the tone he was putting forth. He continued and hung up after I said I just wanted the email I was promised. I just got the email at XXXX on XX/XX/XXXX.
Consumer complaint received 2022-12-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX, TransUnion XXXX XXXX are in violation According to 15 U.S. Code 1681a - Definitions ; rules of construction states Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report. The following accounts are in violations for reporting such information without consent. XXXX XXXXXXXX Bank Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX & XXXX, XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2021-03-11
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. (KS)

When I took this credit card out I enrolled in an optional insurance program ( a/k/a XXXX '' ) that would payoff the balance should I become unemployed or XXXX. 

While this credit card made a partial payment as I was unemployed waiting on my XXXX to be approved. It has not paid the balance off as stated in the terms and conditions of the optional insurance program ( a/k/a XXXX  '' ). Despite, my sending both doctors reports and a copy of my social security determination showing I am receiving XXXX. 

I have discussed this matter with an attorney that stated this could fall under the " unconscionability '' provision of XXXX XXXX XXXX. XXXX. I do not want to file suit against XXXX. However, if this item is not removed from my credit bureau as it should have been paid in its entirety by the optional insurance program ( a/k/a XXXX '' ) that I enrolled in when I first took out the credit card, I am prepared to file suit. 

I have also been advised that the optional insurance provision ( a/k/a XXXX '' ) could invalidate the contract because a contract requires offer, acceptance, and valuable consideration. When the credit card was taken out, the optional insurance program served as valuable consideration to my acceptance of the credit card. 

This item needs to be deleted from my credit bureau as I do not owe a balance. The responsibility to ensure accurate credit reporting. Including, disputes regarding the optional insurance program falls on the credit reporter. In this caseXXXX XXXX and their failure to do so, could be a violation of the Fair Credit Reporting Act as well as Regulation Z.
Consumer complaint received 2020-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX, XXXX  & Equifax were sent a Identify Theft Report Dated XX/XX/2020. I have heard from their results in this matter. I sent them a copy of police report, copy of the items that were fraud. Very detailed list of the items listed in each bureau. Not sure what else to do other than to keep sending out letters explaining the circumstances. 

Equifax had a data breach that I was included but yet they still refuse to remove negative items that were listed as fraud from account. 
XXXX  too.
Consumer complaint received 2021-06-04
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lewis, McDonnell & Associates (TX)

On XXXX, at or around XXXX XXXX MST, XXXX XXXX, On behalf of Lewis , McDonnell & Associates, XXXX XXXX XXXX XXXX, XXXX CA, XXXX XXXX, Initiated a call to my Sister to collect on a debt that was Charged Off as of XXXX. 

She Misrepresented herself and stated that they had been trying to reach my sister and I to collect on this debt. My sister had cosigned for me and that is how they were able to reach her. 

They then threatened her, and stated that they were currently in talks via XXXX with the courthouse and were actively attempting to serve my sister and I subpoenas to appear in court for this Debt. 
They misinformed my sister and I that they would Garnish our wages, Take our stimulus and even put a Lien on my sisters house for the amount. 
The Legal Assistant who spoke with me, Informed me that someone had already reached my sister and was in the works of making a deal to forgive the debt. 

MY sister paid an amount of {$2300.00} to Lewis, Mcdonnell, and Associates after they sent her a collection notice with the amount owed. 
The letter also failed to comply with Federal Law when it failed to include that this was an old Debt ( Older than 4 years in Texas ) and as such, We the consumers, Are not legally obligated to pay it.
Consumer complaint received 2019-12-26
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. (FL)

my auto loan was paid in full with XXXX XXXX XXXX at the end of XX/XX/2019 and all 3 credit bureaus are showing it as open and a balance owed still. Why at the end of XX/XX/XXXX is it not showing on the 3 credit bureaus a " XXXX '' balance. This has affected my credit score as well as trying to obtain further credit. I have contacted transunion and XXXX to fix, and i was told that this matter would be handled within 72 hours and it is 5 days later and despite the holiday, this should have been taken care of.
Consumer complaint received 2024-02-23
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. (PA)

You are reporting inaccurate and unverifiable information on my credit report. There are fraudulent information on my credit report. I ask for a full dislcoser of this debt. I have not receive my sign signature, original contract or any information about this debt. 

XXXX XXXX XXXX # XXXX BY LAW AFTER 30 DAYS THIS ACCOUNT IS NOT MINE. Delete this account asap. You are reporting fraudulent information on my credit report. Delete this account asap.
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$5400.00} ; XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-01-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC (VA)

I had XXXX  services by XXXX ( XXXX, VA ) on XX/XX/XXXX based on a Pre-Estimate approved by my XXXX   insurance XXXX, where it explains that per my plan, the insurance will pay {$550.00} and that my responsibility was {$290.00}, which I paid on the day of the services. However, there was an issue in regards to the XXXX office being an in-network provider, so XXXX put my account on collections with Capital Accounts, XXXX. XXXX XXXX, XXXX, TN XXXX, for {$720.00}. Eventually, after my many complaints with the Wisconsin and Virginia Health Commissions and the XXXX XXXX XXXX, my insurance company, XXXX, sent me a letter stating that it had made a mistake and that the XXXX provider was, indeed, and in-network provider. Furthermore, the insurance company confirmed that it release the payment to the XXXX office on XX/XX/XXXX and that XXXX said that they would remove my account from collections once they have received they payment, which they already did on XX/XX/XXXX. 
After my insurance 's clarification, I expected that my account would be removed from collections, but it has not since even today, XX/XX/XXXX, I received another collections bill.
Consumer complaint received 2020-01-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

the ftc violation of XXXX was filed XXXX XXXX XXXXXXXX sys 2 accounts were removed and put back on they are in violation of the law b/c they did not notify me that they were putting back on my credit please see FTC reports that by the law i satisfy my claim with police and affidavit
Consumer complaint received 2021-11-23
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. (NJ)

I am XXXX XXXX and I am submitting this complaint myself. This item is reporting late as reported in TransUnion. Lets correct this immediately. TransUnion is required to verify for themselves, but they failed to neither verify nor update me about this complaint. 

( XXXX XXXX )
Consumer complaint received 2019-12-26
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. (CT)

I reported this problem around 6 months ago regarding finger hut, Experian, XXXX  and XXXX. I filed bankruptcy on XX/XX/2019 and received a discharge on XX/XX/2019! Of all my debt owed. I reported this problem about 6 months ago and it was fixed. Now XXXX  is reporting this same information as being late and a balanced owed. My credit score just dropped 47 points because of this incorrect information from XXXX and XXXX  XXXX, Experian, XXXX  and XXXX.
Consumer complaint received 2020-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

In XX/XX/XXXX, I purchased an appliance from a Sears  XXXX in XXXX, Tex. 
Sears sold or assigned my purchase agreement, without my knowledge or consent to a Citi Bank Master card firm in XXXX XXXX, SD. This Master Card, SHOP YOUR WAY MASTER CARD became the creditor and mailed me an account statement. 
The terms of this statement stated my balance due with monthly payments of {$28.00}, first payment due XX/XX/XXXX. 
On XXXX, XXXX, I mailed a bank check for {$84.00} to Shop Your Way, with the notation that this payment was for XXXX, XXXX, XXXX & XXXX XXXX. This would make my next payment of {$28.00} due on XX/XX/XXXX. 
I received a letter from MasterCard stating that I " COULD NOT BE CREDITED WITH AN ADVANCE PAYMENT '', and my next payment for {$28.00} would be due on XXXX XXXX, XXXX. I refused and did not make any payment in XX/XX/XXXX. 
I received a statement in XXXX that I was being charged a {$28.00} " Late Fee '' and my next payment due was {$60.00} due on XXXX XXXX, XXXX. 
I attempted to resolve this situation by telephone with a Master Card employee. 
This foreign speaking female told me, very emphatically, that MasterCard " DID NOT PERMIT ADVANCE PAYMENTS '' and my next payment was due, with a " LATE FEE '' was due on XXXX XXXX. I am not going to be taken advantage of by this deceitful policy. 
My next payment is due on XX/XX/XXXX, and I will never pay a " late fee '' to MasterCard. I believe that Citi Bank, & Shop Your Way MasterCard should be held accountable for this reprehensible, mendacious treatment to a customer that has paid his account in advance and then charge a " late fee ''!