davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-05
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. (GA)

I am currently in the process of trying to get a loan and I am getting denied. My account with federal student loans is showing I have missed over 120 days of payments from the months of XXXX. At the time I had so much going on and did not pay close attention that even though I was a recent graduate that I had loans to repay. 


I am asking that you guys see that Ive always been in deferment. I am not finically stable to start paying right now. These loans have been so long ago and Im asking for forgiveness to remove some of these charges on my credit report.
Consumer complaint received 2023-07-25
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. (TN)

I contacted XXXX and Transunion on XX/XX/XXXX to Remove negative information, collections, and closed accounts. as well as address reporting on my credit report that was also tied to fraudulent accounts, also the name reporting wrong upon doing so. I experienced with them nothing but threats and coercion to keep the accounts reporting. ( Collection Accounts ) XXXX. XXXX XXXX XXXX Date opened XX/XX/XXXX Account number # XXXX Balance {$610.00} XXXX. XXXX XXXX Date opened XX/XX/XXXX balance {$740.00} account number XXXX I also told them that I would like the reporting accounts to be removed from my accounts based on the fact that I am a victim of identity theft. I also added a personal statement to my report stating that I am a victim. Upon removing that same Statement all the disputed accounts were subsequently updated. My rights have been seriously violated. Along with these companies not abiding by XXXX XXXX XXXX XXXX  ) as well as the ( FCRA )...
Consumer complaint received 2019-04-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Helvey & Associates, Inc., Warsaw, IN Branch (NC)

XXXX XXXX failed to properly enter a correct mailing address for a final bill. Therefore i never received a bill. Had power from XXXX through XXXX with them with a perfect payment record. The turned the collection over to Helvey & Associates which never mailed my a bill. This was discovered through a mortgage loan application. It has negatively been reported to 3 credit bureaus. I paid the bill in full today of {$100.00} to XXXX XXXX & contacted Helvey & Associates. They informed me that even with a payment confirmation number it would take them two weeks to get confirmation that it had been paid. XXXX XXXX & Helvey & Associates failed to report my perfect payment history of 18 years to the 3 credit bureaus. XXXX XXXX and Helvey and Associates are unconcerned that this has affected me personally, professional and financially. I am a XXXX and the lender is a preferred partner this has caused great distress to me personally and professionally.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent.

I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX  is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EXPERIAN by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2019-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

In XX/XX/XXXX I reapplied for an Income Driven Plan and was informed it was approved for $ XXXX/month. I filed my taxes in XX/XX/XXXX, checked the status a few weeks later and seen a tax topic code 203. Unsure what that meant I did research and found it was due to my student loans. I contacted the loan company right away and was informed my loans were put in default in XX/XX/XXXX, I was never informed about this. I started contacting the debt collection company that was handling the debt and the Department of Education. I was told there was nothing that could be done to stop the tax offset of my refund. D.O.E stated if the error was on XXXX XXXX I would need to contact them and dispute the error. I contacted the Service Recovery Department of XXXX XXXX on XX/XX/XXXX and was informed my application for the Income Driven Plan was either never processed or wasnt processed correctly. The agent I spoke with started the request to have the default reversed due to clerical error and informed me it would take 30 business days for the request to be sent to the Department of Education. I called the DOE on XX/XX/XXXX, they had not received the request yet. I contacted XXXX XXXX on XX/XX/XXXX to check the status again, I was informed the requests are sent to DOE the end of every month and was assured it would be sent by the end of XX/XX/XXXX. I contacted DOE on XX/XX/XXXX, they still have not received the request. I contacted XXXX XXXX on XX/XX/XXXX and was told their internal department has not reviewed my case yet. At this point I have waited the time they required and I had my entire tax refund offset due to clerical error on XXXX XXXX and they can not give me answer to when this will be resolved. After they do send the request to the DOE I have to wait an additional 30-60 days for the loans to be sent back to XXXX and out of default, 45 days for DOE to process the refund for the amount that was offset and an additional 14 days for a check to be sent to me. This situation has caused me extreme hardship, financially and emotionally. Something needs to be done for XXXX XXXX to resolve their error.
Consumer complaint received 2021-02-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: APPLE FINANCIAL HOLDINGS, INC. (NY)

At Apple Bank I have a Business account under the name XXXX XXXX XXXX with Apple Bank and I noticed a total of {$450.00} in {$35.00} fees associated with the bank rejecting a charge to my account. I do not have any overdraft on my account and they did not pay the charge but instead put my account in the negative so they can keep charging my account and rejecting charges. The charges were made not using a check but my business debit card. Right now my account is - {$340.00}. They wrongly charged my account incorrect fees. 

I called Apple bank on Friday XX/XX/21 to discuss these fees and spoke to a supervisor who said she would call me back and did not. she also verified that I should not be charged these fees. I called back today Monday XX/XX/21 at XXXX XXXX and stated that I should discuss this with someone at the local branch and I tried to call the local branch and it closed at at XXXX. I feel like I am being given the run around. I would like some help. Thanks
Consumer complaint received 2019-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

On XX/XX/XXXX I disputed an account reported by XXXX XXXX XXXX on my file Experian maintains under my Social Security number. I was informed on XX/XX/XXXX that the item was deleted from my credit report. Now I have since discovered that the item has been reinserted on my credit report and Experian failed to notify me at all of the re-insertion. I contacted Experian on XX/XX/XXXX to dispute this re-insertion without notification and they updated the results and re-aged the account and reported non-payment on the account, which I am no longer liable for. This account causing a significant decline in my credit and their actions are a serious violation of FRCA policies.
Consumer complaint received 2023-03-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lennar Financial Services, LLC (MN)

My wife and I were applying for a mortgage and working with Lennar Mortgage. Due to my self-employment, we decided to leave myself off the application. However, even when specifically asked to not pull my credit, the loan officer proceeded to do so. The document uploaded name thats starts with XXXX is a screenshot from my wifes email where she specifically asked him ( after talking on the phone ) to only pull her credit.
Consumer complaint received 2019-04-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENOVA INTERNATIONAL, INC. (CA)

Today I requested that XXXX XXXX communicate in writing only via USPS mail only, they continued to email and text me. I asked them to stop texting me in writing in the attached yet they continued to do so after it was received. I have all of this very well documented. They have broken the law under the California Rosenthal Act And TCPA XXXX. My letter to them is attached. They wrote to me today at XXXX " starting on XX/XX/XXXX. If the account is past due for more than 30 days, the account may be sent to an outside collection agency. Once the account is sent to the collection agency, this will be reported to your credit and we will no longer be handling the account. '' This is a threat to my credit and is also a violation of the Rosenthal act RFDCPA. 

I have not filed any lawsuits, but I am also asking that they contact my authorized representative. XXXX XXXX XXXX XXXX. 
THE LAW OFFICE OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX XXXX
Consumer complaint received 2019-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Receivables Performance Management, LLC (PA)

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX with no successful resolution. XXXX was reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2019 2019
Consumer complaint received 2019-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Santander Consumer USA Holdings Inc. (PA)

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX XXXX  was no successful resolution. XXXX was reporting me late. There was definitely an error on their part. I was never 30 days late -XXXX, XX/XX/2018 XX/XX/2018
Consumer complaint received 2018-11-16
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. (MI)

I sent XXXX Transunion and XXXX 4 letters disputing the following items on my credit. I wanted them to provide me with documentation that these items belonged to me. Each credit reporting agency did not provide documentation of proof the items belong to me. They either stated they were updated, or had no change at all. The items are to be deleted is you can not verify the authenticity of them. 

XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX- # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX I appreciate any assistance you can give me. 
Thank you!
Consumer complaint received 2019-04-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

Received a letter in the mail dated XX/XX/19 from convergent outsourcing saying I owe XXXX $ to XXXX XXXX. I have never had an outstanding with XXXX XXXX and they confirmed this. Read online this company is trying to scam individuals and are reporting fake debts on their credit reports. I believe this is what is happening to me!
Consumer complaint received 2019-04-05
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 (NV)

On XX/XX/2019, I submitted a request for a credit line increase on my +13-year Visa credit card with Capital One Bank , XXXX, Virginia. 

Today I received a letter in the U.S. Mail also dated XX/XX/2019 that the increase request was declined stating the reason as : " Your financial obligations reported to us by the credit reporting agency are too high. '' The XXXX  credit bureau file was cited as their information source. 

I accessed the XXXX  credit bureau file. When two statistically minimal errors are corrected, it indicates a 4.56 % credit utilization rate on {$320000.00} of available credit. Such " financial obligations '' are not " too high, '' but quite the opposite for too many individuals who maintain high credit card balances. 

When I called Capital One 's XXXX, Florida operation to protest the error stated in its decline reason, I was told by supervisor XXXX that there was no recourse in fixing Capital One 's blatant error. When I asked for clarification of this statement, they refused to provide it. 

When I called to Capital One 's headquarters, I was told Capital One has deleted its Executive Problem Resolution area and phone calls to an appropriate functional manager would not be connected. 

So what Capital One has chosen to do with its operating policies and procedures is completely suppress customer inquiries when Capital One creates problems and errors, then doesn't wish to resolve them. This is hardly good business practice, good consumer protection and certainly does not lead to retention of long-term customers in good standing. 
I deal with several other credit card companies and none of them, in +40 years of experience, have come close to displaying such intentional arrogance, dismissiveness and indifference to errors when a customer brings a blatant factual error to their attention.
Consumer complaint received 2019-04-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NJ)

I have reached out to original creditor multiple times and disputesd with credit bureaus. I am not responsible for charges on this account. My information was taken when I was in treatment for XXXX XXXX in another state.
Consumer complaint received 2019-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BB&T CORPORATION (DC)

I have prepaid my BB & T mortgage ( which my mortgage agreement allows ) to reduce the principal amount due over many years. I recently was informed that my additional payments were placed in an suspense account that BB & T could use for their purposes and they were not credited toward the principal reduction on my mortgage loan. When I review the past 6 year accounting its obvious that BB & Ts accounting for mortgage over-payments is inconsistent and unscrupulous to the mortgage loan holder. In fact its fraud since my mortgage does not have a prepayment penalty and every retail bank loan officer assures customers that excess loan payments will automatically be credited towards a reduction in principal. I have tried to communicate with BB & T over the past 2 months to no avail. If there is anyone trying to pay down their mortgage before retirement or to reduce the mortgage loan term with BB & T consumers should be very wary! This is time sensitive since BB & T plans to merge with XXXX and I suspect consumer mortgage records may be purged. Perhaps the merger should be blocked until a thorough review of their accounting of additional mortgage payments is reviewed for proper payments of reductions to mortgage principal payments.
Consumer complaint received 2022-09-16
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, XXXX XXXX XXXX, XXXX XXXX, Florida My sister went to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Florida, on XX/XX/2022. 

On XX/XX/2022, my sister went to XXXX XXXX XXXX to purchase a 2022 XXXX XXXX for my niece ( XXXX XXXX, where she met XXXX XXXX. Unfortunately, my niece required a cosigner in order to purchase a new car, so my sister called and asked if I could cosign. I asked my sister if she could confirm whether XXXX XXXX would conduct a hard or soft credit inquiry to determine vehicle rates. She asked XXXX, the salesman, and he assured her that it would be a soft inquiry to check rates, and that a hard inquiry would be performed once she purchased the vehicle. XXXX purposefully misled my sister about the credit check. XXXX also persuaded my sister that XXXX should lease rather than buy. XXXX informed my sister that they would begin with a lease and then switch to financing two years from the date of signing, with the lease payment being transferred into the auto financing, which was another con of XXXX XXXX XXXX. Following that, my sister entered my personal information on the XXXX XXXX XXXX website, where a hard credit inquiry was performed despite not making any purchases. 

I attempted to contact XXXX XXXX via phone and email after receiving a hard inquiry report that day, but no one responded. Instead, because I have excellent credit, I received numerous calls about purchasing a car. There had been no response from the executive office or manager for over a month. When I left a negative review on XXXX, they responded with a generic response and refused to take any action. 

Needless to say, after contacting the managers, store manager, and finance department to have the inquiry removed, no one returned my calls or kept transferring me. XXXX XXXX has yet to contact me or the credit bureau to resolve this issue as of today, XX/XX/2022. As a result, I would avoid doing business with XXXX XXXX XXXX XXXX, when I finally spoke with someone in finance, they informed me that soft credit inquiries are never done ; it is always a hard inquiry. So, in order to make a sale, the salesman ( XXXX ) blatantly lied about the soft inquiry. 

In addition, he misled my sister about the lease program. He tried to persuade my sister that if she put down {$1000.00} today, she could lease the car for my niece instead. It could be converted to a finance agreement whenever she decides to purchase the vehicle. which was also false, because the lease would be for 36 months with XXXX XXXX with no changes to the terms.
Consumer complaint received 2019-04-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPL Recovery Solutions (IL)

On Tuesday XX/XX/2019 I received a vm from JPL recovery solutions. I returned the call and spoke with XXXX at XXXX. I requested validation of my debt and he responded by saying it was already sent. I again requested for the validation to be mailed to my address and I verified my address. XXXX said he would email it. I said no email, I prefer by mail. On XX/XX/2019 I received the correspondence via email when I strictly requested by mail. Then I asked for no more calls as I would take care of the balance after reviewing the validation. Today XX/XX/2019, my brother sent me a message via messenger saying XXXX called him asking for information about me. I already asked for no more calls so I am not sure why they continue to harass me and my family.
Consumer complaint received 2019-04-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BBVA FINANCIAL CORPORATION (TX)

I have tried to close my checking account with BBVA several times. This is the third letter I have received from BBVA saying that I have a balance duewhich is impossible because my account was frozen, closed now, and the balance is XXXX. I brought in a similar letter to the one that I have received today to a BBVA banker, and they even reassured me the letter was wrong. This letter im receiving now is threatening to send my supposed balance of {$140.00} to debt collections, which could interfere with my credit as I am in the middle of closing on a house. I am extremely livid, and I assure you numerous negative reviews will be given about the banks service.