davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I am a victim of identity theft. The following accounts are all fraudulent and not my accounts : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and The XXXX XXXX XXXX. I been receiving harassing and threatening telephone calls between the hours of XXXX XXXX. and XXXX XXXX of harassment, abuse, misleading statements and threats of being sent to jail or prison from the above creditors Debt Collection representatives in regards to the fraudulent accounts. The above creditors are in violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and State laws.
Consumer complaint received 2020-02-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MD)

The FedLoan Interest Rate and Capitalization Scam. 

It all started when my income based repayment schedule was up for renewal. I paid up to the maximum interest for the federal tax credit for the year. I called FEDLOAN servicing to find out if I could switch to a different plan to extend the amount of time I had to repay the interest before switching to a standard repayment plan. 

The representative on the phone not only told me that I could switch plans without the interest capitalizing, he went so far as to walk me through the application process while on the phone to make sure it would go through. ( XX/XX/XXXX ) It went through. But they capitalized {$720.00} worth of interest ( XX/XX/XXXX ). So I called back. A supervisor told me to send a letter stating what happened which would be reviewed by PHEAA for action. Suggesting that because it was because of FEDLOANs misinformation that the actions could be reversed. ( The application ends on page two. The one liner that says interest will capitalize is on page eight of the instructions which you wouldnt see when you fill it out on the website. ) Ive spent countless hours on the phone with fedloan trying to solve the mystery. In the meantime the penalized my account in the following ways : They put me on forbearance. 
They assigned me a penalty interest rate. 
They pushed my PSLF date back two months. 
They capitalized my interest. 
They switched me on the more expensive REPAY schedule when I never applied for involuntarily. 
They forced me to pay my loans out of order so that the forbearance interest wouldnt get capitalized. 
When I submitted my forbearance interest payment they applied it incorrectly. I followed the instructions on the interest letter and they sent monies to every loans principle balance which goes against specific instructions Ive given them in writing about how to apply any monies received towards my loans. 
They have now sent me another interest notice ( XX/XX/XXXX ) that there will be further capitalization even though my interest balance is XXXX. 
Over two months later and I cant get a coherent FEDLOAN rep on the phone. 

They also do not respond to letters that are sent to them via the debtors portal.
Consumer complaint received 2019-10-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Glasser and Glasser, PLC (VA)

Received a summons, which was dropped onto my doorstep and not delivered to me personally ( I was home all day ) that I was being sued By Glasser and Glasser for money due to XXXX XXXX   XXXX. This was the first mention of this debt, and I subsequently learned that Glasser and Glasser is a collection agency. I received no prior notice of this debt whatsoever. Nothing in writing. Nothing about what the debt was for, no dates of service. No opportunity to dispute. No notification of intent to sue, since I had nothing in writing whatsoever from this company. Summons said they represent XXXX XXXX XXXX  ; XXXX XXXX XXXX said they do not represent them, they are a debt purchaser. I was served a Warrant in Debt with no knowledge of this, and no notification in writing whatsoever.
Consumer complaint received 2020-02-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (FL)

At or around XX/XX/XXXX, an account was opened in my name through Care Credit from Synchrony Bank. This credit was used ( I don't know what for an maintained occasionally until whoever used it, just stop paying on it ). It eventually went to collections, then charged off and remains on my credit. I have sent letters to Synchrony Bank asking for validation of this debt and all they've sent me are old bills. There is nothing showing I've ever opened this account. No signatures, no debit cards I've owned. Nothing. just bills as their " proof ''. This has done grave damage to my credit and they've made no attempts to rectify the matter. The amount they say I owed is {$1400.00} dollars which was charged off and {$550.00} due as of XX/XX/XXXX.
Consumer complaint received 2022-01-26
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: EQUIFAX, INC. (CA)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2019-10-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Scott Fetzer Financial Group Inc. (TX)

I took out this loan based on the guarantee that I received payment from XXXX  to reimburse me for my participation in their case study. I would never have agreed to purchase the XXXX dispenser for just under {$13.00} without that guarantee. In exchange for my participation in the study, along with the reimbursement, XXXX was to maintain the dispenser. Yet they never told me that the dispenser required filter changes, I have completed all my requirements and XXXX has never paid me any money. They continue to change the requirements monthly, and frankly make things so confusing. They even question if I finish them-when indeed I have. There are 1000s of participants who have gotten scammed in this fraudulent scam and XXXX just did a story as well. XXXX only talked about a few of the Finance companies and failed to list all of them. My loan was with United Consumer Financial Services.
Consumer complaint received 2016-06-04
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Some one using my information has made a huge purchase in XXXX XXXX. They also did not live in XXXX XXXX in XXXX. I have never been issued a credit card. My bank ran credit check in XXXX and told me I had a thin file. No credit but now I find out. Somebody is getting credit in my name, but I ca n't see the report.
Consumer complaint received 2022-01-26
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. (CT)

I see things may be inaccurate. Start looking at the high balance. I believe this information may be inaccurate. This needs to be removed now. 

XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$1100.00} ;
Consumer complaint received 2020-02-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (NJ)

am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid. 
I HAVE LISTED BELOW THE APPLICATIONS FOR CREDIT SUBMITTED FRAUDULENTLY WITHOUT MY AUTHORIZATION OR PERMISSION TRYING TO OBTAIN CREDIT OR GOODS USING FRAUD. ANY OTHER REQUEST FOR CREDIT BY ANY OF THESE COMPANIES LISTED BELOW SHOULD ALSO BE FLAGGED AS FRAUD AND I DEMAND AND REQUEST THESE BE REMOVED, BLOCKED AND DELETED IMMEDIATELY FROM ALL MAJOR CREDIT REPORTING AGENCIES.
Consumer complaint received 2015-09-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have been informed by XXXX XXXX XXXX that TransUnion has different incorect info for my address. I wrote TransUnion a letter stating my correct address where we have lived for the last nine years ( letter attached ). They sent a letter back stating I could gp online and make corrections. When I went to transunion.com and tried to register it would not accept my correct address. My address is XXXX XXXX XXXX XXXX XXXX and apparently their system can not handle a XXXX. It 's asking me to enter a ". '' or a " # '' which is not my address. I attached a current water bill and as you can see they have my address correct. The problem with the address they have on file for me, which I 'm sure is XXXX, is a problem with their software and not my problem. There is nothing I can do to correct their system. Please help me get this corrected as I have already wasted enough time on this issue. 

Thank YouXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO. 
XXXX HomeXXXX Cell
Consumer complaint received 2019-10-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (LA)

I applied for a modification and received a trial period. I paid the payments on time for 3 months, XXXX, XXXX, and XXXX. I received a letter about a balloon payment. I called and the gentleman i spoke to told me not to worry I would be receiving a new contract with new terms. I received the contract and the modification is only for three months with a balloon payment due XX/XX/XXXX. I called and asked about the modification covering this and was told no it doesn't. I was not told any of this before. I found out when i got the new contract for modification on XX/XX/XXXX. The balloon payment is {$32000.00}. I do not have this amount of money. Please advise
Consumer complaint received 2020-02-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I have been trying since XX/XX/XXXX to obtain funds from two Bank of America business checking accounts that my deceased wife had at Bank of America. The accounts had balances of approx {$3000.00} and {$6700.00} respectively, and were included in the inventory of assets in her estate. They were in the name of her sole member LLC. She passed in XX/XX/XXXX, and I am the personal representative of her estate and its sole beneficiary. I received no response from BofA 's Estate Unit, other than return of her death certificate and Maryland Letter of [ Estate ] Administration, and after inquiry was told I needed to visit a local branch. I have tried to work with BofA 's XXXX XXXX, Maryland area branch since XX/XX/XXXX and have only gotten a run-around. 

I guess BofA thinks if they stall long enough they can just keep the approx. {$9700.00} in the two accounts, but they should not be able to.
Consumer complaint received 2019-10-02
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. (CA)

I am filing this report because I discovered two accounts on my credit report that aren't mine. I applied for a credit card today XX/XX/19 and I did not qualify due to those accounts reflecting badly on my credit. After looking into this more, I came to the conclusion that these accounts were opened on my behalf fraudulently and without my permission. I don't know who did this or why anyone would want to ruin my good credit reputation but I have already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit. I do not have any type of written/verbal contract or agreement with either of those companies.
Consumer complaint received 2020-02-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NJ)

I am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid. 
I HAVE LISTED BELOW THE APPLICATIONS FOR CREDIT/AND CREDIT CARDS SUBMITTED FRAUDULENTLY WITHOUT MY AUTHORIZATION OR PERMISSION TRYING TO OBTAIN CREDIT OR GOODS USING FRAUD. ANY OTHER REQUEST FOR CREDIT BY ANY OF THESE COMPANIES LISTED BELOW SHOULD ALSO BE FLAGGED AS FRAUD AND I DEMAND AND REQUEST THESE BE REMOVED, BLOCKED AND DELETED IMMEDIATELY FROM ALL MAJOR CREDIT REPORTING AGENCIES.
Consumer complaint received 2022-01-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (MA)

Binance.us has continuously ignored my attempts to verify my account so I can withdraw my funds. Thousands of other users are experiencing the same situation. I have over {$80000.00} in current portfolio value but am unable to sell or withdraw my funds because the XXXX verification is not being approved. It has been over 2 months and no action has been taken despite multiple attempts to contact customer service. 

The company is fraudulent and holding my and thousands of other users funds hostage.

Action must be taken.
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: The Receivable Management Services LLC (SC)

Receivables management has re-aged old debt thats almost 10 years old on my credit to make it look and seem as if its only first reported on XX/XX/2017. And I have proof that in 2017 there was no way they could have contacted me or known where I was at to inform me of any such bill of XXXX . And I was never contacted or informed by the original creditor as well because of me being underage when it was first reported. Im XXXX and was XXXX when the bill was first made and to young to even pay such a bill. After 7/years now this collection agency has re-reported the same collection to re-age it. Which is a clear and direct violation of my consumer rights.i have hired XXXX XXXX XXXX to dispute these reports-aged collections and we are now in escalation.
Consumer complaint received 2017-08-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (NC)

A few months ago I discovered that this company was reporting a collection on my credit report. I disputed the collection with the credit bureaus, but it came back as " verified ''. I then sent this company a request for validation and they ignored my request. It is my understanding that FCRA requires that a collection agency contact a consumer and give us 30 days to contest a debt prior to them placing the debt on a credit report. This was not done. Neither did they respond to my request for validation of the account.
Consumer complaint received 2020-02-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (TX)

Mailed XXXX mortgage payment to Homepoint Financial. Payment was cashed XX/XX/XXXX, however online my account said Paymwnt Complete {$0.00} instead of XXXX which was the regular payment. I began calling and finally around the XXXX Homepoint located my payment- it had been applied to another customer 's account on accident. I was told it would be corrected within 24 hrs. XX/XX/XXXX it still had not been corrected, spoke with a manager XXXX, he assured me he would get with the director and correct it. XX/XX/XXXX I made my XXXX payment but it was applied to XXXX because they still had not corrected my XXXX payment. Calling daily. Managers never call back. XX/XX/XXXX and payment still has mor be corrected and now I see it has been put ad a missed payment on my credit reports. As well, I am paying interest daily on that money. Can not get any resolution from Homepoint Financial
Consumer complaint received 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

I submitted a dispute with EQUIFAX to remove incorrect addresses from my credit report. The results of the dispute, dated XX/XX/2020 ( confirmation # XXXX ) were the addresses would be deleted. However, after viewing my report online ( XX/XX/2020 ) the  addresses are still on my report.
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Receivables Management Corporation (SC)

Receivables management has re-aged old debt thats almost 10 years old on my credit to make it look and seem as if its only first reported on XX/XX/2017. And I have proof that in 2017 there was no way they could have contacted me or known where I was at to inform me of any such bill of XXXX . And I was never contacted or informed by the original creditor as well because of me being underage when it was first reported. Im XXXX and was XXXX when the bill was first made and to young to even pay such a bill. After 7/years now this collection agency has re-reported the same collection to re-age it. Which is a clear and direct violation of my consumer rights.i have hired XXXX XXXX XXXX to dispute these reports-aged collections and we are now in escalation.
Consumer complaint received 2016-02-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Trans Union is misreporting my XXXX account. It was charged off in XXXX however, XXXX is reporting 120 days late to Trans Union as recent as XXXX XXXX. Please get XXXX and Trans Union to correct this item right away as it is destroying my credit.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CCF Intermediate Holdings LLC (PA)

XXXX Speedy Cash continues to change the date on my credit report as current This bill is over XXXX years old They are claiming I opened it XXXX  months ago In the amount of {$1200.00} I have disputed in with the credit reporters but they say it is following the guidelines FCRA
Consumer complaint received 2022-01-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

I, received a letter on XX/XX/2022 from A collection agency CREDIT COLLECTION SERVICES, stating that they were trying to collect a Debt for XXXX XXXX I immediately called them and talked to a Supervisor by the name OF XXXX XXXX. I explained to him that I had been a victim of Identity thief and that this was not my account. He then explain that he would send me the name of the company, I then requested valadation of this account.
Consumer complaint received 2020-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (MD)

On XX/XX/XXXX, i applied for loan online. I later found out that the company wasnt real and they had made Fraudulent claims with the bank. The bank applied a XXXX credit to the account & the fake loan company took XXXX. I reported this to the bank on XX/XX/XXXX. Ive been calling since then to get a update on my account and everytime i call they say i have to wait 10 business days. I cant use my debit card, make deposit or withdraw from the account. The bank security department has the the account frozen. They never want to update me with whats going on. When i ask to speak with the department whos handling my case they never put me on the phone with them. They tell me wait 10 business days. Its my account and i should have the right to stay updated on whats going on seeing as tho this is where all my funds go.
Consumer complaint received 2020-02-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc. (AL)

Commonwealth Finance Opened XX/XX/2019 + {$1800.00} Original creditor : XXXX XXXX XXXX XXXX. I'm a XXXX veteran and my health care is paid by Va. this fee that's being charged on my credit was for hospital services in which everyone else involved got paid. The hospital was paid and other specialist. They didn't bill Va in timely manner or correctly that's why they weren't paid. Instead of dealing with the Va they waited several years later and put on my credit report. I was told this happens to veterans all the time and was illegal. I've called several times and was given the run around even had VA to contact them. The have damaged my credit and have yet to provide me with the invoice to what the charges are and as I stated earlier it's against the law to bill veterans for a Va covered service especially years later. One rep told me she could see the Va billing info on  form but it was scratched out that's the reason they put it on my credit report without notifying me. I don't thinks that's how it should have been done.
Consumer complaint received 2015-11-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

TransUnion ( TU ) does not have my XXXX account XXXX listed in my credit report or history. This issue has been going on for over a year. My XXXX has proven to me that they have sent the proper documentation to TU. TU evades and comes up with excuse, many unfounded. It appears to me that TU is trying to coerce my XXXX into a contract. The last discussion I had with TU the representative said my XXXX would have to get in touch with the local TU Marketing agent to correct my account yet he would not provide a name or phone number! 
My account is otherwise correct and shows another XXXX account I have with another bank. If I can not get this issue resolved I am going to see if the NM XXXX or the NM XXXX will take it up. 
TU is subjecting me to higher insurance fees because TU is not properly showing my credit history.