davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (CA)

I was discharged form a Chapter XXXX Bankruptcy on XX/XX/2018 ( Case # XXXX ). I  have been receiving notices from a Collection Agency ( XXXX XXXX XXXX ) since the discharge requesting {$67000.00} in payment for delinquent mortgage payments to SLS ( Specialized Loan Servicing LLC ). Although we were in a Chapter XXXX Bankruptcy we continued making mortgage payments to " XXXX XXXX XXXX  '' not SLS. I have been told that SLS has placed a lien on my house which has adversely affected my credit. I want to resolve this conflict of information.
Consumer complaint received 2018-03-04
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. (TN)

Creditor Name : US BKPT CT TN XXXX DOCKET Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX   ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : FED LOAN SERV ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXXXXXX XXXX XXXXXXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX   ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXXXXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : Federal District DOCKET Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : A FED BANKRU DOCKET Number : XXXX DATE REPORTED : XXXX/XXXX I have disputed these accounts with all three credit bureaus.
Consumer complaint received 2022-12-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (IL)

I recently contacted Aidvantage about my loan and income driven payment plan renewal. 

I processed my request via an aidvantage rep and through the studentloans.gov portal. 

I have only received one correspondence that shows the information about my most recent request. However, it was an email and not the confirmation of repayment. 

Subsequently, Aidvantage has generated payment information that does not correlate to my new Income driven payment plan. The reps are rude, unknowledgeable, and don't even bother to validate account information, neither look it up. The reps on the phone are trained to give a script, but not review actual information. This is creating undue harship for me because I need the new income Driven Payment plan information generated so I can refinance my mortgage. This has been a nightmare and literally like talking to a brick wall dealing with Aidvantage reps. There are no supervisors or live reps that have the wherewithal to handle complex situations outside of their scripts.
Consumer complaint received 2022-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

Someone from citibank official phone number contacted me and advised me my account was effected and scammed over XXXX from my account. I have nothing now with kids to raise. They opened a dispute but are making me wait for denial/approval. Why would i not be approved when i was robbed for every dollar. i need help : (
Consumer complaint received 2020-01-07
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. (TX)

I attended XXXX  XXXX XXXX  and received funding XX/XX/2009 for {$6300.00} & {$4600.00} through XXXX, XX/XX/2009 for {$3700.00} & {$2400.00} through Department of Education/XXXX and XX/XX/2009 for {$690.00} & {$1300.00} Department of Education/XXXX   these classes I can not receive credit for because the school was closed. I paid for school that lost accreditation and had other legal issues that halted my education. I cant get or transfer any of the credits earned. I have requested consolidation of these loans so that the correct amounts are included and the forgiveness is applied for the years mentioned and the amounts included above.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

I filed complaint number XXXX on the CFPB website on XX/XX/2023 in reference to inaccurate information I saw on my credit file. I filed complaint number XXXX on the CFPB website on XX/XX/2023 in reference to continual retaliation against me for filing a CFPB complaint against Experian. Inaccuracies on my report are being monetized by Experian against my will. Experian has admitted to defaming my name and is continually and daily committing this federal violation. Experian is sharing my nonpublic information with people didn't authorize. Experian is giving access to my social security number for monetary gain. Experian is conspiring to commit RICO violations and does so KNOWINGLY and WILLINGLY.
Consumer complaint received 2020-01-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: First Investors Servicing Corporation, Atlanta, GA Branch (CA)

My name is XXXX XXXX, I purchased a XXXX XXXX XXXX in XX/XX/2016 under XXXX XXXX which months later became First investors financial services. When this happend my loan increased, according the company because of the transfer the loaning companys went thru. Since I purchased this vehicle I have had nothing but nightmares with this company or companies. I was not even aware of when the transfer took place. I have also made payments and they say they havent received a payment, at one point they also charged me for a towing service since repo apparently had gone repossess my vehicle. They never repossessed or attempted to, to the best of my knowledge I felt forced to pay the towing fee to avoid future problems and charges.
Consumer complaint received 2023-07-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

About three months ago I opened the secured card with a {$300.00} limit. Cap one then processed a charge of {$1500.00}. I didnt authorize this charge and am shocked since the credit limit is only {$300.00}. Im also shocked because they call me if I buy a big gulp at a new XXXX but they didnt contact me for a large charge on a new secured account. 
As a result my credit utililization is over XXXX XXXX and i! am XXXX days late as i cant afford the payment. This has caused my score to drop by XXXX points. My innlrocess mortgage was declined and I am paying more for my car finance and car insurance. I cant find a rental with my new lower score I only wanted to rebuild my credit after thenimpact of XXXX and a bad divorce. Now I might be homeless
Consumer complaint received 2018-03-04
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. (TN)

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXXXXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX  XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX   XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX   XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I have disputed these items by letters with all three credit bureaus.
Consumer complaint received 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

Re : My Disputed Case ID XXXX I am a retired XXXX XXXXr ( XXXX XXXX XXXX ) who is frustrated by being defrauded {$600.00} by a scarcely stocked convenience storeand by not being protected by my card issuer, Citibank. Here 's what happened... 
On my trip from XXXX to XXXX on XX/XX/year>, I went inside a convenience store, XXXX XXXX XXXXXXXX in XXXX, GA, to pre-pay {$40.00} with my Citicard to fill my XXXX with gasoline. After processing my Citicard, the merchant informed me that he was unable to give me a receipt because his register was out of receipt paper. Thinking nothing of it, I went out & pumped {$40.00} of gas into my car and drove off. 
Several weeks later I received my Citicard statement with a charge of {$640.00}. When I immediately protested the overcharge to Citicard, they advised me to contact the merchant. Phoning the store XXXX, he angrily refused to give me his name ( he sounded XXXX ) and he informed me that he had no transaction receipt to give me describing the charge. On another attempted phone connection, his clerk said, XXXX is worth {$640.00} in this store. 
Also, XXXX decision to deny my {$600.00} overcharge was based on a major error. Citicard reported back incorrectly that the reason for the dispute was XXXX XXXX. This is absolutely false because no goods were involved, except {$40.00} in pumped gasoline. There was nothing else to return. I bought {$40.00} in gas and was improperly billed {$640.00}. This is absolutely absurd and an obvious case of fraudulent billing by taking advantage of an old man who likely would not be checking his bill carefully.. 
Because I had no written receipt or any paperwork to support my case, after months of dickering with multiple Citicard departments, my disputed overcharge of {$600.00} has been denied on XXXX different efforts. I am shocked that Citicard has refused to protect me as a cardholder. I am left to protest this decision. My XXXX ID is XXXX. 
Sincerely,
Consumer complaint received 2023-07-22
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Patenaude & Felix A Professional Corporation (CA)

I had a debt collection I have been paying since XXXX. The debt should be about fully paid or within a few XXXX to be paid. 

I have been contacting them since XX/XX/XXXX. Every representative I have talked to either has hung up on me, or told me that they can not find my account. Prior to this I have never had an issue going over my account with a representative or them giving me a balance or updated details. 

They contacted my paralegal telling them I have defaulted on my loan agreements when I have repeatedly been contacting them to receive my balance to see if my account is paid in full. Back in XXXX I made a XXXX payment and some months I made more than the 200 monthly amount which should have me just about paid off. They are threatening to sue for the remainder of the amount. I find this ghosting as I pay off my account a way to purposely default my loan to receive more than the settled amount. These are illegal and unethical business practices. 

the debt collector is Patenaude & Felix XXXX XXXX XXXX the account number is XXXX Also, my cosigners grandmother was harassment for months. My cosinger moved to XXXX. But the company put down the I moved to XXXX. I never moved out of the country. And they repeated harassment his family members and gave my personal information.
Consumer complaint received 2024-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (AZ)

I received a letter in XXXX from Wells Fargo, stating that identity theft insurance was opened and was not authorized by me. Called and spoke to a rep. They offered me XXXX, I accepted. Stressed to them my name was changed due to getting married. Was assured the check would come in the correct name. DID NOT! Called back to the number on the letter, was told to take the check with documents showing the name change. Marriage certificate. 

Went to the branch on XXXX XXXX XXXX in XXXX, Was greeted by a customer rep. Her first remark was, Can I see these so called legal documents! All the tellers behind the glass lined up to listen to me. One made a remark saying I did not look like a XXXX! I call the Profiling!!! 

I felt like I had just crossed the boarder! After about 20 mins. Of this rep. telling me that they would not cash check! I left and called the number again, was told to go back in the office and have that so called rep to scan and email my marriage certificate to him. The next disgusting remark out of that rep. Mouth was Of course you need to realize they will need to verify if this is actual legal document. 
This is not about the check, its about profiling and MY CIVIL RIGHTS! Because I have a XXXX last name!!!!
Consumer complaint received 2022-12-27
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: Experian Information Solutions Inc. (NY)

Good morning, I submitted a dispute with XXXX since XX/XX/2022 and they are still investigating the dispute as of today XX/XX/2022. 
I tried to access my credit report on their website but it tell my that I am unable to due to a dispute being proceed. 
I reached out to them by phone over a week ago to ask whats going on and I was told my issue has to be escalated to the proper department and they would call me back in three days but I still have not heard anything back from them. 
I tried contacting them again today XX/XX/2022 but was transferred several time back into to call que to wait for another customer service rep.
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

LCI has failed to remove the bankruptcy off my consumer credit report. On multiple occasions I sent letters via the united states postal service requesting that they provide proof that the bankruptcy listed on my LCI report is accurate and to provide some sort of documentation from the direct federal court house or even a wet signature. Each time LCI failed to do a proper investigation. I called the federal court house and confirmed that they are not enrolled or subscribed to any credit agencies to report data but yet LCI without my consent reports this and shares this information to the major 3 credit agencies which is a direct violation of my federal consumer rights. I have called many times to LCI and they neither provide any support at all to handle disputes or to even remotely speak with anyone to assist when addressing any inaccurate information which they hold and share with Transunion. LCI which is owned by Transunion has violated my federal rights by sharing information directly to Transunion with knowledge of the fact that the federal court house which is the direct data furnisher is not enrolled or subscribed with Transunion nor shares its data with anyone. I have given no consent to LCI, XXXX or any other 3rd party vendor to share my information.
Consumer complaint received 2023-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NY)

Charge for XXXX from XXXX was pending and posted on venemo visa credit card The amount was for a cancelled service that never happened I requested synchrony to refund the charge they have not It is not a valid charge
Consumer complaint received 2020-01-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credence Resource Management, LLC (PA)

I checked my credit report and saw an erroneous debt with this company. I do not believe I owe this debt so I disputed it and the results were that it was verified as accurate. They are allegedly reporting 100 % accurate data. Since they have verified inaccurate and erroneous information, they have violated my consumer rights under 15 USC 1681 FCRA and 1692 FDCPA.
Consumer complaint received 2022-12-13
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. (VA)

I got a copy of my XXXX credit report, and I noticed some late payments posted on my credit report : XXXX XXXX Your company is in clear violation of the law. Under 15 USC 16816 - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly States : ( 2 ) EXCLUSIONS -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2018-03-04
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: LEXISNEXIS (IL)

I submitted a public record investigation request to LexisNexis XX/XX/2017. As of today I have not received a response. LexisNexis is in clear violation of the FCRA in that they have exceeded the 30 days allocated to them to respond per FCRA
Consumer complaint received 2024-04-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (FL)

I've tried several times to resolve his issue with this company. I believe my personal information has been compromised and used to apply for different types of accounts as I several inquires on my credit report that I do not recognize nor did I authorize. I have no knowledge of these items outlined in this FTC report.
Consumer complaint received 2024-04-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (FL)

I receivedmultiple phone calls and texts from sunrise credit services demanding payment XXXX for a debt that was paid last XXXX. I have bank records of payment as well as settlement letter. I told them to stop calling and if they put this back on my credit reports I will sue. This company needs to be investigated. How is it leagal to settle a debt with a customer then try to collect again months later. That's double jeopardy
Consumer complaint received 2023-05-14
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. (ME)

XXXX XXXX XXXX XXXX purchased my mortgage from XXXX XXXX XXXX XXXX XXXX XXXX AKA? XXXX. Bank neglected to transfer the auto pay information to take funds to pay mortgage monthly automatically as has been done for over XXXX years perfectly and on time. They then mistakenly send statements and delinquent notices to the property address which was on file as being changed years previously and the original bank had changed. Once the new bank called they immediately ACH the fund and brought the loan to current status as it has always been. They then reported that the account was 30 60 90 days late which is inaccurate and untrue as it was the banks error and should not be reported as late on my credit report. Each and every other over twenty accounts are paid on time and have a perfect history for the entire reporting period.