davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-14
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. (IL)

Back in XXXX I purchased a vehicle with XXXX miles and at the time I didn't have the greatest credit so I was set up with XXXX XXXX. I was told they was okay and that they has handle many of there of clients for them in the past. In XX/XX/XXXX my car was repoed. Upon getting the car back I was told to make a payment of XXXX monthly for the next two years. XXXX XXXX agreed to letting me do my payments every two weeks {$300.00} which would make it $ 600 monthly. I then learned that I had 120+ missed payments from XXXX XXXX. When I call them they said I also have to make the monthly payment of {$390.00} also. I filled a dispute with XXXX XXXX and nothing was done. I also filled a dispute with the Attorney General office and they said since XXXX XXXX didn't respond they couldn't do anything. I currently owe over {$7000.00} and the vehicle is not working. These missed payments is hurting my credit.
Consumer complaint received 2019-02-12
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Cash Security, Inc. (OK)

In XXXX I was contacted by the company in reference to a monthly payment. I informed them I couldn't pay the full amount due to having XXXX, but I could pay the majority. The rep said that would be fine and she would contact me in XXXX to set up new payment arrangements. In XXXX I was contacted by another representative asking about payment. I attempted to remit the payment by phone, but was told it could not be accepted. A week later, I received another call and spoke with a different representative who advised me {$50.00} was not good enough, and he needed the full amount owed on the account. I advised him I could only pay {$50.00} right now, and he declined to take the payment, again stating he needed the full account balance, and until I paid that he would continue calling and take other measures up to and including court. Since then, they have called nearly everyday and have been given the same information with the same response. They are also calling my friends and family saying my phone is disconnected and they are seeking me to sue for the remaining balance. Today, XX/XX/XXXX I received a call from the regional supervisor. I advised her of the previous conversation, and she said there were no notes and the account notes reflected they had not heard from me since XXXX. This is a false statement since I have been paying monthly throughout XXXX. I informed her of the refused payments, in which she stated there were no notes. She consistently talked over me, not allowing me to speak saying, " If you had paid the full amount, we wouldn't be calling. '' She asked me twice to stop cursing at her, and not once had I used any foul language. She then said she was hanging up on me, due to my language and again, not one time had I used foul language. In fact, I was hardly allowed to speak without her speaking over me. In the past, this company has been harassing in nature to the point of having to file a formal complaint with the local court, due to an employee threatening to have me thrown in jail and my kids put into fostercare.
Consumer complaint received 2016-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (SC)

This is an on-going problem affecting thousands of students that are now XXXX. The XXXX offers grant money to students who want to be XXXX in XXXX, but the loan servicer responsible for managing this grant ( FedLoan Servicing ) is rampantly abusing this program and wrongly converting thousands of grants into loans for their own profit to benefit scholarships for students in Pennsylvania. They are converting 80 % of grants into unsubsidized loans, and they are doing this intentionally. There has even been a XXXX investigation about this. There have been several articles written about this situation, XXXX of which include information about my specific case : Article 1 : XXXX XXXX XXXX 2 : XXXX XXXX XXXX 3 : XXXX XXXX A simple web search will also show you numerous XXXX / students complaining about being ripped off by this program with no relief. 

Facts in my case : 1. I perfectly fulfilled ALL the terms of my XXXX Grant, completing XXXX ( XXXX ) years in a qualifying subject area and a qualifying XXXX. 
2. FedLoan Servicing converted my XXXX Grant into a loan based on a mere technicality when they received my annual certification paperwork a couple of days late, despite the fact I had met all conditions required for this grant. 
3. FedLoan Servicing acknowledged in the XXXX Office investigation document XXXX XXXX pages XXXX ) that they did NOT provide the full 30 days required by law because they started the count from the time they dated the letter rather than from the time it was mailed or received by me. I received your letter two weeks after it was dated. 
4. They summarily denied my appeals in this matter with no explanation and would not tell me who conducted the reviews for these appeals or how they were conducted. 
5. In good faith, I repeatedly called and talked to a wide range of people and got nothing but the runaround and gruff treatment from their representatives. ( There are myriad stories posted online about people who experienced the same. ) After being assigned an ombudsman to help resolve this problem, the ombudsman did nothing to help and failed to return any of my phone calls. 
6. I believe they are deliberately converting XXXX Grants for profit and have no intention of honoring the spirit or intent of the XXXX Grant program. I believe they are committing fraud and theft under the thinnest veneer of legality. 

I have contacted my XXXX and a XXXX, and no one has been willing or able to help. There is something truly sinister happening with this. I am currently working to create a class action lawsuit about this. Please do n't dismiss this ... if the CPFB exists for any higher purpose, THIS is something you will find to be worth your time for investigation.
Consumer complaint received 2019-02-12
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. (GA)

Hello, My name is XXXX XXXX, and I have tried numerous times for this fraudulent account to be removed off of my credit. I sent in packets with my police report asking for information in reference to this account and I haven't yet to received anything back. I have reached out the agency who stated I have there debt as well but I have not received any information back. This account is on my Equifax credit report and is stopping me from purchasing my home. Please help and assist in removing this fraud collection account on my credit report. 

Account Company : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX XXXX, Ga. XXXX Thanks, XXXX
Consumer complaint received 2019-02-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Designed Receivable Solutions, Inc. (AZ)

This is a complaint from XXXX XXXX against Designed Receivable Solutions for Designed Receivables failure to provide requested information for the debt alleged. Designed Receivable Solutions have been reporting a negative line item on consumers credit report that is unrecognized by consumer. On XX/XX/XXXX, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 

On XX/XX/XXXX, consumer submit a CFPB complaint after receiving no response from Designed Receivable Solutions. Designed claimed to have not received the letter in a response to the complaint on XX/XX/XXXX, so a second letter was sent on XX/XX/XXXX. On XX/XX/XXXX, consumer received a letter from Designed claiming to show validity for the debt, but it did not provide the requested documentation, including a chain of title showing ownership for this debt. 

Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Consumer complaint received 2019-02-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC (AL)

I was approved for a XXXX XXXX loan modification and had payments due in XX/XX/XXXX., XX/XX/XXXX, and XX/XX/2018. When I called to make the first payment on XX/XX/XXXX ( I had until the last day of the month ) they informed me my house had been sold in foreclosure to XXXX XXXX. I have been battling this with both Loan Depot and with XXXX XXXX ever since XX/XX/XXXX. and have been told numerous times that it was Loan Depot 's fault for not advising the foreclosure dept. They passed me off to different agents this entire time where I would have to explain the situation all over again. They sent out company wide emails while I was one the phone explaining that it was a wrongful foreclosure but nothing has come of it. XX/XX/XXXX XXXX XXXX sold my house to a renovation company and I have just received my 10 day notice to vacate. 
I've learned this is called Double-tracking and it is illegal. I can not find any attorney to help me for some reason. I will fight this till they kick me out of my home but this is my daughter 's home. She was born here. She is XXXX years old. I had $ XXXX in equity in the home but lost my business and had trouble making payments. I though this Flex Mod. was my saving grace and it ended up being the hardest thing I've ever dealt with in my life. Whoever reads this, I need help please
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

The information on my Equifax credit report from a company named XXXX thats not me and the information on the account is wrong because its not me its stopping me from obtaining the things I need in life. I also did a police report as well.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am an authorized user on the attached XXXX  XXXX XXXX credit card - I want this to accurately report to my credit report. 

Attached to this complaint are : - My drivers License - My social security card - My address - My XXXX  XXXX XXXX credit card that needs to report accurately
Consumer complaint received 2022-08-19
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. (TX)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE.
Consumer complaint received 2019-02-12
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GREAT LAKES (CT)

My Daughter went to XXXX University and she needed a parent plus loan for student aid to help pay for school. I filled out the application once in her freshman year and and during the next 4 years never received the amount that was building up for the loan. She can never repay XXXX in student dept. The XXXX is the amount on the loan associated with the parent plus loan that I have with her. She also has a loan that is in her name only that she also has to pay for now, that loan is for XXXX. 
How can the school in good faith accumulate loans that they know the student can never repay, especially at 8 % federal loan rate. 
I need help to understand the proof the lender has that i agreed to pay all this money.
Consumer complaint received 2023-01-11
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. (CA)

On XX/XX/2022 i sent a certified letter to Experian stating that they were reporting on misleading accounts that needed to be deleted from my report and stated " I want to be provided proof of this alleged item, specifically the contract/terms with my wet signature. If this is not doable, the item must be deleted from the report as soon as possible. '' They did not comply and did not read my letter nor did they send the proof that i requested. Instead they decided to update the accounts and left it as is.
Consumer complaint received 2019-02-12
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX/XXXX XXXX XXXX ACC # XXXX   XXXX XXXX ACC # XXXX XXXX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX  XXXX XXXX PLEASE UPDATE MY ADDRESS TO CREDIT REPROT XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX THESE ARE FRAUDULENT ADDRESSES XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX  - REPORTED XX/XX/XXXX - XX/XX/XXXX PLEASE UPDATE MY PHONE NUMBER TO FRAUD ALERT XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 


Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-02-12
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery called this phone number this morning, a number they only have because my company used to be owned by them, asking for me under an old name. I asked if she was calling from PRA and she refused to answer me, kept asking if i was XXXX ( my old name from years ago ), I told them in the past not to call this line, when i told her this she continued to ask if i was XXXX, disregarded what i said- i repeated " you are NOT allowed to call this number ''. She found the number in the employee directory ( PRA has yet to remove our information from their own database even though they sold this company 18  months ago )
Consumer complaint received 2019-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I called XX/XX/XXXX to combine my secured line with my unsecured line. I was told intially that it needed to be reviewed after I was willing to close the account. To stop me from closing my account the young lady stated to call back between the following Tuesday-Friday. In hopes of a solution as promised I called today Tuesday XX/XX/XXXX. The account was not noted and I was not met with solution. I was told the option to combine my accounts were removed at this time and no one could further assist me. I was never notified that I even had the option to do so. My account was open XX/XX/XXXX, I never missed a payment. Where in the contract does it say they can make such changes without notifying me or extending me opportunity. I also requested a limit increase in the secured line and I was responded with they dont do increases for secured Lines but today Im being informed that every so often its reviewed and automatically increased. Yet that has not happened for two years. Customer service is horrible. They tried to make me feel like closing the account wasnt an option because it would hurt my age history as if I was incompetent. I asked to be directed to the proper department that handles such issues and they refused to assist. The accounts I was asking to be increased, combined and my deposit refunded end on # XXXX and # XXXX.
Consumer complaint received 2023-03-02
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

I opened a Chase checking and savings account online on XX/XX/XXXX, and transferred {$15000.00} from my XXXX  XXXX XXXX checking account to the newly opened Chase savings account. Several days later I found that I could not login the Chase online account. I called Chase customer service and was told that my checking and savings account were closed, although no reason was disclosed. I also visited the branch as instructed in the phone call but no more useful info. 
I filed a XXXX XXXX XXXX XXXX complaint on XX/XX/XXXX. On XX/XX/XXXX, I received a voice mail from a Chase representative explaining the refund was not issued because they held the fund for verification. Theres also instructions in the voice mail to speed up their verification, i.e. visiting a local branch, showing two different identification document, and login my XXXX  XXXX XXXX account to show the banker that there are sufficient balance in it. Although I visited a local branch before regarding the issue, I followed the instructions and visited the branch on XX/XX/XXXX again. The local banker did verification and put note in the system that all requested verification had been done. However, theres still no response at this moment when Chase would send me my refund.