davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There are several hard inquiries that are in my credit that I did not authorize. I called transunion and sent letters to get it deleted and still nothing happened.
Consumer complaint received 2019-04-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (AZ)

I am unable to reach my loan servicer navient any other way but phone for my private student loans. They are variable interest rate loans and very high monthly payments around XXXX a month. I called to see if I was able to do anything to lower my monthly payment. When speaking with the right department finally she could only offer me a reduction of XXXX dollars a month for a period of 3 or 6 months and I could only do it once every 12 months. It was called an interest forbareance program. When i asked if i could get paper work showing that the monthly payment after the 3 or 6 months would not go through the roof she said she couldnt give me any thing in writing until I agreed. I told her i would have to think about it and call them back and she said if I didnt decide now then I may not have the option again.
Consumer complaint received 2020-04-05
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. (LA)

In XXXX and XX/XX/2020 XXXX put a late payment on my account. This was an auto bill pay issue and the bank recognized this on their end. They informed me that they would fix the issue but failed to do so. This has also popped up on 2 other bureaus and has greatly lowered my score.
Consumer complaint received 2020-04-05
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. (LA)

In XXXX and XX/XX/2020 XXXX put a late payment on my account. This was an auto bill pay issue and the bank recognized this on their end. They informed me that they would fix the issue but failed to do so. This has also popped up on 2 other bureaus and has greatly lowered my score.
Consumer complaint received 2022-04-15
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Webcollex, LLC (NJ)

After being in contact with CKS Financial through my cell phone and making 2 payments towards my debt, this company violated the FDCPA law and contacted me at my work number when I never gave them permission to do so. I stated on the phone that my cell was the only number to contact me on, however they called my work to try to collect a payment. I would like this investigated please.
Consumer complaint received 2022-04-15
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. (GA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX XXXX  XXXX  Account Number : XXXX XXXX XXXX Account Number : 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.
Consumer complaint received 2020-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

~In XX/XX/XXXX, I submitted a request to have deletion of unverified information removed from my account ~XXXX XXXX, the information was investigated and deleted from my credit report ~On XX/XX/XXXX, I noticed that the deleted information was reinserted on my credit report and I had not received any correspondence from Experian or the reporting creditor, so I sent a complaint to Experian regarding the reinsertion AND I filed a complaint with the CFPB. 
XXXX XX/XX/XXXX, I noticed that I had a recent late payment reporting on my report, so I looked into this only to find out that Experian had now shown this error is reporting as a recent account opened as of XXXX XXXX ~As I looked into past credit reports, the erroneous and previously deleted account showed an open date of XX/XX/XXXX It is plainly obvious to me that my credit is being held hostage and at a time like this, it is utterly disgusting.I have attached proof of all correspondence for you to review. I request assistance with prompt deletion of this information on my report which is harming my score and the ability to obtain credit to help myself and my family. 
Thank you for your time and assistance with this matter..
Consumer complaint received 2020-04-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (AL)

I have disputed this amount multiple times with the Credit Agencies after finding this debt on my credit report. Each time the case is closed stating this is a valid debt. I have not received communication from the debtor about this amount nor do I owe the amount stated. In reality, the debtor has closed this account, reopened the account and appears to be charging interest on a medical debt. I can not determine my state 's ( Alabama ) law of protection against this. Most recently, I printed and intend to mail a letter directly to the company asking for proof of debt.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am writing to file a formal complaint regarding identity theft that has significantly impacted my financial well-being. Upon reviewing my credit report, I discovered unauthorized accounts and inquiries, indicating fraudulent activity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Steps Taken So Far : Filed FTC Report This incident constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), both of which are designed to protect consumers from identity theft and ensure the accuracy of their credit reports. Specifically, the FCRA mandates that consumer reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of the information in consumer reports and provide consumers with mechanisms to dispute inaccurate or fraudulent information. Additionally, FACTA requires financial institutions and creditors to establish procedures to detect, prevent, and mitigate identity theft. 

I request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter and take appropriate enforcement actions against the parties responsible for the violations. Specifically, I seek : - Removal of any fraudulent accounts or inquiries from my credit report- Assurance that my credit information will be safeguarded moving forward Enclosed are copies of relevant documents. 

I urge the Consumer Financial Protection Bureau to act swiftly to address this issue and hold accountable those who have violated my rights under the FCRA and FACTA. 

Thank you for your attention to this matter. 

SincerelyXXXX XXXX XXXX
Consumer complaint received 2020-04-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (NJ)

I can not pay my mortgage for the month of XXXX and XXXX due to both myself and my wife have lost our jobs in New Jersey Covid19 pandemic. I called Selene Finance to ask for a deferral for 3 months until I can get back to work after the dates shutdown ends. They responded that they dont do deferrals only offered me a repayment plan which I could never afford to pay the regular payment of XXXXand additional XXXX per month.
Consumer complaint received 2020-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NE)

I received a phone call from XXXX on XX/XX/XXXX and XX/XX/XXXX. I answered the call on XX/XX/XXXX. They asked for XXXX XXXX. XXXX is my father, and died in XXXX of 2017. He was never associated in any way with my personal phone number. 

I asked the company to identify themselves and what this inquiry was about. The only information they would give was that they were " XXXX XXXX ''. I asked them if they were a debt collection agency and they refused to answer. 

I told them I was the legal executor of my father 's estate and asked what the inquiry was regarding at least 4 times. The only answer they would give was " a personal business matter ''.
Consumer complaint received 2020-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (MI)

I initially went to a website looking for a USDA loan, I think I ended up on a scam site.. the lady told me that I should first setup to repair my credit, and then they would help me get in a home. So after i ended the call with Lexington law, i thought they would transfer me back to who transferred me there, but the call ended and I was never transferred back to the USDA loans rep. 
So I thought things were fishy from the beginning. I called in after i made my first payment and expressed my concern that i was being scammed, ( in that they were taking my money and not really doing anything ), They told me I had to wait for the items to come off, I told them that I do not want to pay for no action. So i made another payment. 
Because of the covid-19 epidemic and still no results of removing anything from my credit report, i called them on or before XX/XX/XXXX to have my account terminated because i felt I was being scammed, and I specifically said that. They said OK, no problem and sent me a confirmation of cancellation to my email which I can provide all email correspondence when requested. 
These guys are awful! I disputed my last transaction, and after seeing the lawsuit already against them, i went ahead and had all of them disputed. If you need anything at all please let me know.
Consumer complaint received 2022-06-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Experian Information Solutions Inc. (TX)

I am having problem with Experian Credit reporting agency. 
I am filing again because I strongly disagree what is only in Experian showing late payment on my Closed - Mortgage with XXXX. This Account closed on XX/XX/XXXX. 

When covid started back at the beginning of the year in XXXX, I reach out to my lender XXXX and was granted Forebearance. My work office in XXXX was closed down due to covid this was mandatory and affected all employee in my office and my jobs, while I learned to work remotely from home. 

I should not be showing any late payment for the year of XXXX, because I was granted Forebearance with XXXX. I have no late payment in XXXX and XXXX with XXXX on my mortgage. 

Only problem is totally at Experian, showing me with late payment in XXXX XXXX in XXXX. Under the Forebearance that the President signed back in XXXX President Trump sign into Law to help struggling homeowners. My Lender XXXX helped all homeowners who had problems with covid and jobs and health was affected. 

Under forebearance... no late or missed payment shall be reported to any of the 3 reporting credit agency. -- -- Yet there it is... .under Experian,,,,, I am being reported. 
I am requesting -- -- my credit report -- -only Experian... .remove those late payment for the year XXXX under XXXX. I was under forebearance. 

Also I need to show a Final payment was made on XX/XX/XXXX,,, ,to close my Mortgage with XXXX. All the payment for my Mortgage got caught up and paid in Full on XX/XX/XXXX.
Consumer complaint received 2022-06-03
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. (CA)

XXXX accordance with the Fair Credit Reporting act XXXX  Account # 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
Consumer complaint received 2020-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

Chase bank placed a 12 day hold on a check written to me from my own spouse. The check has cleared my spouses account ( I asked them to verify and to show them proof ). They will no respond to any of my customer service requests or calls with hold times or about 2 hours. 

I cant access my money during a pandemic. This hold time is outrageous. Please help me.
Consumer complaint received 2022-12-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

On XX/XX/XXXX I purchased flights from XXXX XXXX to travel in XX/XX/XXXX. XXXX cancelled my flights and I had to book a hotel and another flight for my husband and I with another carrier all on my own, with 0 help from XXXX for any of it. 

However, I was told by XXXX that I would receive a refund for my flight, since it was cancelled and I was told to wait on it. I waited, followed up and waited again and I still have not been refunded. 

I went back to Bank of America online to attempt to dispute the charge but there is now no way to do this. So now, I am attempting to dispute the charge for the tickets here, as my only recourse. I have documents attached showing my purchase on XXXX and how I had to get another flight and how the XXXX flight was cancelled. I would really like to be refunded for this since I could not use my flight and XXXX ( who is already in so much trouble regarding this same issue ), will not help me to make this right. 

Thank you, XXXX XXXX
Consumer complaint received 2022-06-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/2022 I sent out a Debt validation letter as well as a Cease and Desist letter by certified mail stating I XXXX XXXX XXXX, consumer, and natural person am aware of all rights that I have and which are protected by Congress under the Fair Credit Act ( FCRA ) And as the consumer and natural person I am exercising my rights Pursuant to 15 USC1692g I clearly sent, '' Capital One '' a cease and desist notifying in writing that I the consumer exercise my right to cease further communication through any medium other than written mail. 
I respectfully request their offices to provide me competent evidence that I have any legal obligation to pay them. At this time I also informed them if their offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State laws.
Consumer complaint received 2021-09-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (KY)

Ive been trying to close this account since XXXX. They keep reopening the account because of an automatic payment that keeps withdrawing. Ive tried stopping those payments multiple times however they keep attempting to debit from my account. 

I asked them on XXXX to stop the transactions as they are no longer authorized and they wont do it without a {$32.00} stop payment fee. Asked if they could expedite the account closure and they will not.
Consumer complaint received 2022-04-15
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: Experian Information Solutions Inc. (IL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-06-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

I filed for Federal Student Loan Forgiveness and I recently heard back that I was denied because they are only counting the payments I made since I enrolled in their consolidation program ( 3 total ) towards my XXXX payments ( which I definitely reached years ago ). When I spoke with a representative, she said that the initial paperwork for forgiveness may have been processed prior to my being enrolled in the consolidation program and that I should reapply for the forgiveness now that I am enrolled. Basically, their payment count is over XXXX payments short of what I have paid towards my loans over the past XXXX years.
Consumer complaint received 2020-04-05
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. (MI)

In regard to XXXX and TransUnion, I had sent a " Goodwill '' request to XXXX, asking them to fix the errors ( not delete them ) before disputing the reporting errors with TransUnion. The letter XXXX XXXX and XXXX sent back in response was that they are 'accurately reporting and can not change the rating status '. TransUnion 's response was that they 'Updated the Rating on the Accounts ' ( see attached documents ) I will, again after submitting this complaint, write to both entities, again, to inform them that they are STILL and willfully and incorrectly, against the laws of the FCRA and FDCPA, reporting my account as accurate and complete. Not only is there an immediate jump to 90 days late, there is another immediate jump to 120 days late following years of on-time payments. FOR ALL 12 ACCOUNTS. 

I have run out of means of assistance, except the CFPB. Please help me fix this.
Consumer complaint received 2017-02-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I opened a checking account at HSBC back in XX/XX/2016 when it had a promotion that the bank would give me {$350.00} when I keep my balance above {$1500.00} everyday and use the bank 's Bill Pay function at least twice a month for three months within the first 120 days after the account has opened. I met all the requirements but I do n't see my reward. I have contacted the bank twice with email and once with phone but still no money.
Consumer complaint received 2021-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

XXXX XXXX is trying to said that I owe for an account that I don't.. I have reach out to this company and still nothing.. They sold the account to XXXX XXXX and Portfolio I have been going back and forth with these two companies, because I'm not paying a bill that I don't owe..I asked for proof and they sent me two bills months apart, so I ask them what is this.. These are two different bills from months apart. I was told that is what their client sent them, and that's all they had.. I'm like if you said that someone owe something you suppose to have concrete proof.. Some of the reps had gotten nasty telling me that I'm going to pay it.. I also received a disrespectful letter from the company. They wS reported to XXXX and the credit bureaus and they stated to me that they are not going to keep replying to my request and this will remain on my credit.. I'm tied of going back and forth with these people.. Something need to be done where these companies can't conduct business again, because you trying to get money from people that don't owe you.. This don't add up to what they are trying to do.. I refuse to allow them to get me like that.. My next step will be legal action, because they need to be shut down.. This is very frustrating.
Consumer complaint received 2020-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

In XXXX I attended XXXX a couple of weeks and withdrew because we moved to Arkansas. I never heard anything from them. XXXX we filed Bankruptcy and told we have a clean slate. In XXXX I was notified by mail about a student loan debt. I told them I didnt have a student loan debt. It is not on my credit report. Since a year ago the amount changed from under {$2000.00} to nearly {$9000.00}. The whole cost of school is under {$2000.00} I think. Since then I consolidated them and they switch to Navient. I did this because the website said then I could get them discharged. I applied for school closure because it applies and XXXX XXXX states it qualifies because you cant transfer credits from a closed school. Navient denied it. Now I have applied for Borrowers defense because I was misled a lot and also not told they applied me for loans. I also found articles that I am not the only one there is a lot of people. Why wont they discharge mine?
Consumer complaint received 2021-12-16
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Beacon Funding Corporation (NJ)

On XX/XX/XXXX I wired the financial company one hundred and twenty three thousand to buy my trucks that was the amount that they asked for. I had a security deposit that was supposed to be returned after the loan was paid off I payed off loan 31 months in advance