davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-24
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX MD XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} US DEPT ED XXXX XXXX : {$9100.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MD XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-11-11
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: Experian Information Solutions Inc. (MO)

This is the several time I've complained about being a victim of identity theft. Experian and XXXX must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX  XXXX Balance : {$25000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2022-11-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (KY)

There was a judgment against me in XXXX. Some time since the account was purchased by LVNV FUNDING. 
They got a judgment for garnishment in XXXX, XXXX. For XXXX. 
This garnishment judgment was filed in a county I do not reside in any longer and at an address that i haven't lived at in over 10 years. I was never notified. I can't even tell if they tried to contact me. 
my employer never gave me the paperwork until well after the window for me to dispute the case or apply for either an exemption or better terms. I do not now know what the original amount was but I am positive it was never this much. This is devastating my family. My wife is XXXX and she stays home to care for our special needs daughter. I can't believe even the court never verified that I was not served.
Consumer complaint received 2019-12-10
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: JPMORGAN CHASE & CO. (FL)

Recently tried to see if a business I owned was eligible for business credit on. I do not recall applying for the credit, only checking through pre-qualification letter I received by chase. I have also noticed two hard pulls by XXXX. My personal credit was pulled and now showing a hard inquiry. Both under the pretense of " soft pulls '' but are showing up on my XXXX   credit file. Thank you for your consideration
Consumer complaint received 2019-12-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (VA)

This is my second complaint about Navient. Navient is still violating my privacy and fair debt collection act by calling my relatives and getting into arguments with them about me. On XX/XX/2019at XXXX XXXX EST, one of the Navient members called from XXXX to one of my relatives and got in an argument with him by accusing him of being me. My relative was driving when the phone call came. My relative almost got into an accident because the guy was not hanging up the phone. I have tried multiple time to talk to them but the conversation with them always end up in arguments because they are very unprofessional and never give me an option to resolve the problem. After my first complaint on them they reported in their response they will temporarily stop the calls to my phone but I am still getting phone calls now sometimes even about other relatives who may have a student loan with them. On XXXX I got a phone call from XXXX. Asking for one of my relatives. They admit that it is student loan services and they are looking for this specific person. I have multiple voice mail saved on my phone and different relative phones in which they admit that they are student loan services and that they are looking for these specific persons. They are violating the privacy and they are violating the fair debt collection act of whoever they are looking for. They need to stop harassing me and my family members and they need to stop violating fair debt collection act by calling different people about me and by harassing them and by accusing them of being me. In my previous complain I have mentioned that I have XXXX and XXXX because of Navient harassing me and my family members. They need to stop this defamation and they need to stop accusing people of being me. And they need to stop my relative information illegally online. How do they get the information about my relatives. My relatives ' information was never given to them by me.
Consumer complaint received 2022-12-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2019-12-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (FL)

On multiple occasions I've used Mohela 's " pay by loan '' feature to submit payment targeting specific loans to have them be paid off so I can save on the interest. Well, rather than submitting payment as I instruct, Mohela will generically submit the payment to all outstanding loans and just push forward my due dates. While I make payments on other loans, the ones that have had their due dates extended simply sit and collect interest. So instead of paying off the loan, months later I'm faced with a large accrual of interest! This is predatory lending and an attempt to keep servicing the debt even after I've given specific instructions to pay off the debt. Mohela owes me the interest thats accrued when the loan should have been paid off. They have misapplied many of my payments over the several years I have been repaying my loans but this latest one was simply the straw that broke the camels back. When you try to communicate, the representatives are either completely untrained or simply indifferent and on several occasions I've simply given up on trying to get something done. Please intercede.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

XXXX XXXX XXXX  in XXXX, XXXX and equifax is missing generation identifier. These are inaccuracys On XXXX and Equifax the status updated is XX/XX/XXXX. On XXXX it is XX/XX/XXXX. These are inaccuracys. 

On XXXX and XXXX the balance updated is XX/XX/XXXX. On Equifax there is no balance updated. These are inaccuracys. 

Equifax, XXXX and XXXX do not contain a last payment date. These are inaccuracys
Consumer complaint received 2019-12-10
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: SYNCHRONY FINANCIAL (TN)

On XX/XX/2019, I received an alert from XXXX XXXX that syncb/paypal has completed an hard inquiry on me and I never authorized it. I've contacted paypal and synchrony bank and no one has a record of it. This has caused my credit score to drop.
Consumer complaint received 2024-05-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group (GA)

This company is using illegal and intimidating tactics to collect a very old debt they purchased from another party -- I saw that the primary and initial party closed the account when I was looking at my credit report recently-but they were not contact information as to whom and how to remedy the debt. Myself and a debt expert sat to consolidate my debt and could not find where or who to contact. We figure they'll either call or email or mail me in time since ive change addresses a few times ( Yet got everything forwarded to my new address ). They failed to make contact. They failed to do their due diligence. They also failed to notify of measures they may take. They failed to introduce themselves and offer debt management or other sensical or logical options. Garnishment? It's ridiculous, futile and fraudulent.
Consumer complaint received 2019-12-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (PA)

Back in XXXX of 2019 my loan was transferred from XXXX to Loancare. Within 60 days ( XX/XX/2019 ) Loancare did what they called and annual escrow account statement. I am used to these coming at the end of the year so I did some research. The rules allow for this, but if done so, then the date to do this will be each year at the same time since the also increased my payment at that time. Loancare then again on XX/XX/2019 did this again and again increased my payment. I do not think this is acceptable!
Consumer complaint received 2019-12-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: State Collection Service, Inc. (DE)

I received a letter from, State Collection Services of XXXX, Wi. dated XXXX XXXX stating that a past due amount has been referred to their office. It also stated that I had 30 days to respond with a dispute of the debt. I mailed my response to them and requested documents which would validate the debt on XX/XX/2019. It was received by them and signed for on XX/XX/2019. I did not receive anything back from this company in the 30 days their are allowed by law to respond and instead they immediately contacted the credit reporting agencies and put the unverified, disputed debt on my credit report. I have certified receipts showing that I needed more information to validate these charges. They could not produce the documents I asked for and knowingly disregarded the fair credit reporting act and practices.
Consumer complaint received 2019-12-10
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 (IL)

In XXXX I had a XXXX  installed from a XXXX  in XXXX XXXX, FL from XXXX XXXX ; XXXX XXXX XXXX. The XXXX  cost was {$1800.00}. I paid for the XXXX with a GE Care Credit credit card issued by Synchrony Bank. The XXXX was terrible work. I asked for the XXXX  to redo the XXXX, which she asked for the full fee to redo the XXXX  again, which I refused to pay and moved on to a new XXXX  who has redone the XXXX for {$1500.00}, which has been charged to my GE Care Credit charge card. I have disputed the charge with GE Care Credit and issued a letter from the new XXXX  detailing all of the ways in which the previous XXXX  was bad work and how it was causing me problems and would cause more problems in the future. GE Care Credit says they do not resolve " quality issue '' disputes and I am responsible for the charge. The XXXX  will not refund me and the credit card company is holding me responsible. 

I have filed a complaint against the XXXX  with the state of Florida Board of Health, and she is being investigated. In the meantime, I want the charge refunded and retracted from the dentist.
Consumer complaint received 2019-12-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MA)

Since May of this year, I've called AES about 8 times to prepare for a new repayment schedule that would begin after my Income Based Repayment Plan (IBR) would end (XX/XX/2019). The rep on that call gave me information and quotes on what different repayment options would be once the IBR ended. The rep provided instructions on how to move forward so that I would have a seamless transition to the new repayment schedule. I followed instruction and when I called back was told that I was given incorrect information. This pattern repeated for the subsequent 5 or so phone calls, all of which are/were recorded. After going back and forth for months, I received new repayment schedule options. I called back and accepted a specific option in which the rep agreed and confirmed terms. In order to make sure the correct amount is to be billed in setting up automatic payments, I saw that the repayment amount is ~$XXXX/month more than what I was shown in writing and agreed to over the phone with a rep that operates under authority from AES. This is breach of contract and the most egregious form of deceptive business practices. AES's intent is to defraud borrowers or their employees are so incompetent and negligent in their duties that AES has critical systemic failures at every level. I've tried to resolve this issue multiple times asking to speak with someone in a supervisory position to review the calls and call me to discuss. My intent is to repay my loan, but to do so within my rights and not be the victim of fraud. No one has called me back to date. AES's process is for a rep when asked to be transferred to a supervisor, to say okay and then transfer the caller to a senior rep, then the senior rep when asked to transfer the caller to a supervisor says okay and transfers the caller to a department lead. Systemic failures across the board. My next step is a lawsuit which will include a claim for punitive damages. The abuses are extreme. I've given AES multiple opportunities to rectify the issue amicably and they refuse to comply. I hope the CFPB can compel a response by someone that listens to all the calls and has the information, knowledge and capacity to resolve the issue to get on the agreed upon repayment schedule. If not, the matter will proceed to court. I suspect that I am not the only one that AES is trying to exploit.
Consumer complaint received 2019-07-14
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. (NC)

The same accounts, which have been settled, appear as double marks against the consumer. 

The following accounts : XXXX/XXXX - acct # XXXX XXXX/XXXX - acct # XXXX were sold to Collection Agency and also appear on my Credit Report : XXXX XXXX - acct # XXXX XXXX XXXX - acct # XXXX These were resolved and paid by me, the consumer. 
The Credit Reporting Agencies CAN NOT continue to keep these accounts listed and make it look like there are 4 accounts that are delinquent, with balances.
Consumer complaint received 2022-12-23
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: Experian Information Solutions Inc. (IL)

I just got a notification that my credit was pulled by XXXXXXXX XXXX XXXX  on XXXX XXXX and i did not request any services nor contacted them, i do not even have an account with them. I recently been seeing other inquiries i did not approved nor consent on my report and previously reported them on XXXX as well. 

I don't know how they report such things without verifying if its true or not but i did not request anything
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (CA)

Good morning, something need to be done, with Experian credit bureau I got a letter from XXXX XXXX XXXX that was breached and I was one of the people that some of my information was taken from XXXX XXXX XXXX. Experian would not let you talk to live people XXXX XXXX XXXX gave me a code that I needed I dont trust sites anymore and people because of this XXXX problem. I call. Experian number 10 times but the machine that they use this XXXX XXXX would not let me talk to a live person. Meanwhile, I need to get this monitor done which XXXX XXXX XXXX said they will pay free for a year. This should not be happening Experian is the only credit bureau that people can not talk to a live person and they blocked it that way, this XXXX XXXX and if people have identity, theft problem, they should be able to talk to a live person and get help from them. They should not be blocking where people can not talk to a live person and they wont this XXXX XXXX to do the work so they can eliminate people, but the XXXX  is not like talking to person dont understand the things you are saying because I kept saying fraud fraud fraud. I need to talk to a person and it still didnt understand a word I was saying stop because they want people and this peoples work like I said I called 10 times and I still dont have the credit monitoring that XXXX XXXX XXXX is offering because I cant get no help from. Nobody cant talk to a person this needs to stop. My credit is not being monitored because I cant talk to a live person at Experian.
Consumer complaint received 2024-02-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: DISCOVER BANK (LA)

I am tired of you all being lousy at this organization and at Discover. At this point, I am about to close out the entire account. I uploaded proof that the stylist agreed to issue a refund and it keeps being ignored! I am going to police to get my money back as well.
Consumer complaint received 2022-10-03
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. (CA)

I received your response that you wont process my request to dispute inaccurate information because you believe it didnt come directly from me or are claiming that Im working with a third party or credit clinic. Lets get the record straight!!! Im the one whos disputing this information. The information Im disputing is INCORRECT & I NEED THIS MATTER HANDLED IMMEDIATELY. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the DATA FURNISHER had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth, and SSN #. 

Accounts : XXXXXXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$1500.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$6100.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3500.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3500.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9700.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9100.00}, XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$3100.00}, and XXXX  XXXX Date opened XX/XX/XXXX Balance {$420.00}. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Consumer complaint received 2022-12-23
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: Experian Information Solutions Inc. (NJ)

There are massive amount of unauthorized inquiries on my credit report. I have reached out to the creditor and all 3 credit bureaus. These are all unauthorized and I have no knowledge of these inquires. See below. 

XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX PLEASE REMOVE THESE FROM MY CREDIT REPORT
Consumer complaint received 2024-06-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NC)

ADVERSE CLAIM ON XXXX I sent my social security number ( security interest ) and was not granted collateral XXXX XXXX XXXX Indentured agreement states the security interest in the collateral is granted to secure the note Their definition of collateral - all accounts, instruments, documents, application The note is the promissory note The application should be turned into a promissory note which means the account with the credit automatically