davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-24
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)

Hello, Please help me. After years of waiting on XXXX to remove an incorrect 30 day late I am growing frustrated and XXXXXXXX XXXX lack of knowledge and care about correcting a wrong delinquent charge is stressing me out and it is their responsibility to adjust this and yet I have been waiting years with no results promised to me. 

Covid has hit and I have been unable to reach proper departments and I have sent letters and spoken to agents in the past who have assured me that an error on the part of the merchant would be corrected after I provided proof of that letter to XXXX. The 30-Day late REMAINS on my credit report, which also affects my nephew who is a JOINT holder on this account. 

XXXX is being extremely lazy and irresponsible, they are ignoring my multiple requests for correction and ruining 2 separate humans beings ' credit reports. I have perfect credit and always have, this is absolutely torturing me and no one at this company does what they say. 

I will sue very soon because they had 30 days to correct this, I was told by multiple agents the change would be done within the end of the month years ago and it is still there! 

Please, pull my phone calls, check the email communications between myself, my nephew and XXXX and retrieve the letter from XXXX XXXX XXXX which takes full responsibility for incorrectly charging another clients services on my credit card on file and my account because those clients had the same last name as me. I was not there, I was not aware and this is absolutely unfair on my credit report. I have spoken to multiple people and so has my nephew and nothing has changed! Because I never charged anything or authorized any charges this payment went unseen until my credit report tanked and so did my nephews, yet it was not our fault. 

FORCE XXXX TO DO THEIR JOB, PLEASE!
Consumer complaint received 2020-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

My bankruptcy cases, I have three bankruptcy cases still showing on my Equifax, XXXX  reports, to where's transunion have removed all three cases, so my complaint is bankruptcy cases does not report monthly therefore they should not be on my report as a status, have the reporting companies investigate this as a complaint matter.
Consumer complaint received 2020-04-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (IL)

On XX/XX/XXXX I contacted FCO debt collections to inform them that I have been negatively impacted by the current global health pandemic COVID-19. I informed them that I am currently out of work and I needed to renegotiate the payment plan that we have. I spoke with XXXX XXXX. Ms. XXXX refused to tell me what options I have. She stated that there was nothing she could do and that she was cancelling my payment plan. I did not request to have my payment plan cancelled. I asked her what is the minimum payment that I can make during this crisis. She refused to answer me. Ms XXXX then proceeded to tell me that I have until the XXXX until the cancellation, that I did not ask her to do, will show on my credit. I asked her if there was any other option. I reminded her that this is an event effecting everyone. I reminded her that I have not missed a payment and that I do not want to cancel my plan. I simply would like to modify it until the stay at home order is lifted. Ms. XXXX said there is nothing she could do and that she cancelled the payment plan. I did not request a payment plan cancellation. I simply needed a modification of my payment while we are going through this crisis. This is completely unacceptable behavior as I have not had any issue with paying my monthly agreement prior to the global health crisis. I attempted to contact FCO repeatedly following this phone call and left a number of messages letting them know that I would like to speak to someone regarding my debt. No one answered my phone call. No one returned my call. On XX/XX/XXXX, the date that Ms XXXX threatened would be the day she would add her change to my payment plan to my credit, I received a phone call from her about my debt. At this point she has forwarded the amount to my credit, although I did not request to cancel my payment plan. During the course of my original payment agreement Ms.XXXX  also contacted me at work which is against the FTC guidelines for debt collection. I would like to formally file a complaint against Fair Collections and Outsourcing, and XXXX XXXX, for cancelling my payment plan against my request, for refusing to answer my call following this abuse of power, for threatening me with negative credit reporting, and for harassing me by calling me at work. Ms XXXX has my number and I have been very good about keeping in communication with Ms XXXX and FCO. Therefore, there was no reason for her to contact me at work. Thank you.
Consumer complaint received 2020-01-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: PNC Bank N.A. (VA)

I was approved for a loan from PNC, I took the check to a dealership to purchase a used XXXX XXXX XXXX   with XXXX miles for {$16000.00}, with a {$1500.00} trade in and fees included my bottom line price for the car is about {$16000.00} after trade-in, tags, and fees. The dealership accepted the check, and after almost three weeks, PNC notifies me that the loan has been denied due to the car having more than 80k miles, we then head to the dealership for them to get us a loan from their network however their interest is twice as much as what PNC provided us. Upon me doing some research I notice that under terms and conditions PNC does allow financing on vehicles with 80k to 100k miles. However certain restrictions are applied. Right now this puts me and my family in a vulnerable position because, we have a car that we are concerned with driving because we dont know whether we have to return it or not, and if we do return it, we will then need our trade-in back. So this loan denial is causing a chain reaction which is making this buying experience extremely unpleasant. Please assist us in working with the bank to approve the loan.
Consumer complaint received 2020-04-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (TX)

XX/XX/2020 I called Mr. Cooper to inquire about the COVID-19 assistance programs they have available. I was on hold for over an hour to finally be connected to a person who just took my information to transfer me to another " specialist ''. Another lengthy hold and I was connected. I asked ( along with my husband on the call ) what our options were with regards to paying our mortgage. The lady informed me that the only resolution was to do a Forbearance Program. She let me know that this would affect our credit and told us all of the details. We were shocked this was all we had available due to no fault of our own being out of work since XXXX. She said the application would be coming via email and for us to look it over and resubmit online, by email or fax. We reviewed and considered our circumstances and decided not to send it back in and just do what we could to pay our mortgage during this difficult time. I received the paperwork via our account on XX/XX/2020. The 2nd letter arrived in our account on XX/XX/2020 saying after reviewing our documentation we were approved for a forbearance plan. Knowing that we didn't send anything in, I assumed it was just a formality. Today XX/XX/2020 we received yet another letter ( same letter as before but with an added paragraph ) telling us our inaction was approval of the forbearance if we didn't call in by the end of the month. We both felt this was deceptive and if others did not read the letter entirely, they might miss that added paragraph and be in a forbearance agreement that they did not agree to.
Consumer complaint received 2020-04-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST INTERSTATE BANCSYSTEM, INC. (MT)

Since I am unable to get in contact with management at my bank, I would like to know why the practice of overdraft fees continues during the COVID-19 pandemic? Am I incorrect in thinking that banks will be getting stimulus packages like any other business? I have not worked for a month now and have recently incurred overdraft fees which I will not be able to address until XX/XX/XXXX. I have already been charged {$150.00} in overdraft fees and my account and additional fees begin XX/XX/XXXX or XXXX. Of the {$160.00} I am presently overdrawn, without the {$150.00} in overdrafts I am overdrawn by less than {$10.00}. Surely given the extreme circumstances of the pandemic the practice of charging overdraft fees should be waved. 

According to many sources over 75 % of American families live paycheck to paycheck. Certainly my situation is not unique and if allowed to continue will cause irreparable financial crisis ' to millions of American families. Overdraft fees are ethically questionable in the first place, but in these extreme times their continuation is the worst form of usury.
Consumer complaint received 2024-04-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Corp Solutions Inc. (KY)

This creditor again is threatening legal action to collect a debt. They refuse to validate the debt when requested as well as the amount. They are predatory and violate the law over and over again. Instead of answering my request, they sell it to a different collection agency. Therefore the debt is not valid and it violated 15 USC 1681abd 1692.
Consumer complaint received 2022-02-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CT)

I am currently on the Public Service Loan Forgiveness program through FedLoan Servicing. Every year I have to re-certify my IDR for my monthly payment amount. I kept receiving pop up notices on FedLoans website, emails, and reminders that I HAD to re-certify or my monthly payments would triple. So in XXXX I re-certified my IDR and my monthly payments almost doubled. Later, through my own research, I learned that I DID NOT have to re-certify for at least another year due to the Covid Relief actions by the government during the student loan forbearance period ( which ends in XX/XX/2022 ). Yet, this information was not conveyed to me by FedLoan through any means. In fact, it was buried in their website and not readily accessible unless you were looking for it, unlike all of the notifications stating I HAD to re-certify or face harsh financial burdens. I contacted FedLoan in the middle of XXXX, again in the middle of XXXX, and a third time this month in XXXX regarding them cancelling my latest IDR request ( that nearly doubled my monthly payments ) and reset it back to what it was prior to my re-certification in XXXX. I have heard nothing back. I did receive one generic reply but it said nothing about the questions and concerns I had. I contacted the Department of Education regarding the matter and they said I had to take it up with FedLoan. Which I did, but to no avail. FedLoan is still continuing their predatory behavior by not being forthright with the information that YOU DO NOT NEED TO RE-CERTIFY your monthly IDR until next year. I was informed the exact opposite of this. I am just asking that my monthly repayments resume in XXXX the same they were before the government forbearance was issued. FedLoan was supposed to be hiring more staff and extending hours to deal with the new PSLF temporary waiver, but it has been nearly three months since I have heard a reply to three separate inquiries regarding the same matter. I would like the issue resolved before student loan repayments resume and I have made that abundantly clear to FedLoan, but again, no response. This predatory and purposefully misleading nonsense was supposed to be cleared up, but it appears it is still very much alive and present. 

Best, XXXX XXXX
Consumer complaint received 2022-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (AZ)

Collection for a debt of {$350.00} from Procollect Inc showed up in my credit report in XX/XX/XXXX. The debt was unfamiliar and I know it was related to identity theft that occurred in XXXX. 
I opened a dispute with XXXX on XX/XX/XXXX and was told to work with Procollect Inc to get the debt removed. 
I called Procollect Inc XX/XX/XXXX and let them know this account was due to identity theft and was not mine, and asked what steps I need to take to support my dispute. 
On XX/XX/XXXX XXXX said the dispute had been closed because Procollect contacted them saying the debt was valid - even though I told Procollect I am disputing the debt due to identity theft. 
I sent in the documents requested to support my dispute ( FTC Identity Theft report, drivers license ) on XX/XX/XXXX and have received no response. 
I called XX/XX/XXXX and was told the only way to get a status update was to send the question to them in email. I sent the email on XX/XX/XXXX and have received no response.
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (KY)

My checking account at Regions Bank has been on hold for about 4 months now, since I opened the account. Ive went into a branch and signed some forms, which was supposed to fix it. But I still have no access to withdraw my money.
Consumer complaint received 2022-02-24
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. (CA)

A previously removed collection account reappeared on my credit bureau report and I disputed it and the results were erroneous. I had a XXXX balance with XXXX because I closed my account in XXXX. When I moved to my new home in XXXX I only kept my XXXX service which I closed with a XXXX balance. They are trying to charge me a fee for canceling service with the contract fee was only if you canceled before the two years of the contract date. This is why it was previously removed from my credit report and now my debt was sold to another collection agency who then placed this on my credit bureau report and responded to my complaint stating affected by natural disaster which is untrue because my account was closed way before the pandemic. My account was closed in XXXX not during a pandemic this is erroneous and they must remove this from my report because I do not owe this money. Furthermore after I called the company that reported this, I advised them they are never to contact me via cell phone that they must communicate with me by mail the person violated FDCPA and the CFPB rules of not calling a consumer for 8 calendar days. That is an Egregious and outlandish way to violate my FDCPA rights under the fair debt collection practices act. They also did not furnish me proof of debt or a copy of my contract that I had with XXXX XXXX in XXXX as I requested. This would prove I was no longer under a contract agreement.
Consumer complaint received 2020-04-08
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. (NY)

To Whom It May Concern, I am currently looking at my credit score on XX/XX/XXXX and notice a few things still have not been removed as I was told they would be. Derogatory marks reported on XX/XX/XXXX would removed completely off my credit file and it is currently still showing. Any responsibility I had with them was validated. On Hard Inquiry It still shows from XXXX XXXX XXXX  XXXX on XX/XX/XXXX. XXXX This was fraud and was never authorized by me ) I have contacted the company multiple times to show me proof type of proof that I personally signed up or did business with there bank. They kept saying they would get back to me and now it's been well over 60 days which to my understanding of the fair credit act means it should come off since they have not provided any proof on this?
Consumer complaint received 2020-04-08
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. (NV)

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX reporting AS INQUIRIES to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft
Consumer complaint received 2022-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (DE)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2022-05-05
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. (TN)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

15 US C 1681 Section 602 A states I have a right to privacy.

15 US 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 2024-03-20
Product: Credit reporting 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. (CA)

I am sending this complaint to formally request the prompt removal of inaccurate information from my credit report. Upon review, I have discovered several instances of fraudulent data that I have no association with. This discovery is deeply concerning, and I insist on immediate action to rectify this matter. 

The following inaccuracies must be addressed and expunged from my credit report without delay : XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX  XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX expect your immediate attention to this matter and demand swift corrective action. Failure to comply with this request will leave me with no choice but to pursue legal recourse. Your cooperation in resolving this issue promptly is greatly appreciated.
Consumer complaint received 2022-02-23
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. (NJ)

Below is the follow inquires that I did not authorize XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Transunion XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX SER Inquiry date : XX/XX/XXXX 2022
Consumer complaint received 2022-02-23
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: Experian Information Solutions Inc. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2020-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A. (TN)

Citi Cards state that they have a Identify Theft Solutions Department on their website of https : //www.cardbenefits.citi.com/Products/Citi-Identity-Theft-Solutions I understand the pandemic situation right now, however, when I have contacted the general customer service team in the past week, I was then contacted days later by XXXX, in the Executive Response Unit. After being on the phone with her she only wanted me to hear what she had to say and would not listen to me thoroughly. She refused to let me speak to anyone else, and no matter our discussion, she would not correct the situation, nor would she transfer me to or let me speak with the credit review team or fraud area that I was requesting. The call continued in the same manner and she still refused and then disconnected the call. When I attempted to contact her back, she would not answer, I also sent another email, and she did not reply to it either. As discussed with her, I advised her I would be sending a complaint to the XXXX  and the Consumer Financial Protection Bureau. She said that those complaints go to her office as well. This is a identity theft and fraud concern,. I want someone in that particular area of fraud or identity theft to contact me. Also, there is a phone number listed to contact the Fraud area at XXXX. After being on hold, someone not in the US answered and stated I had reached a checking/savings area. I explained I needed Retail Card Division. I then was transferred again and was on hold until someone else answered that was not in the US and I had reached the Commercial Bank Card area, I was then transferred again, and I reached Personal Bank Cards, then I was transferred again and I reached Commercial Retail Division, and was then transferred again to the Personal Retail Card division in which I am still on hold now and the call is now 3 hours and 8 minutes. I understand again the pandemic, however the representatives need to listen to the customer instead of being transferred all over the place and stress the first call resolution.