davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This report that is being filed is NOT a duplicate and is not filed by a 3rd party. I, XXXX XXXX XXXX am filing this report. In Accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. XXXX. Account Name : XXXX XXXX Account XXXX XXXX XXXX. Account XXXX : XXXX XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account Name : US DEPT ED Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : DPT ED/AIDV Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX Account # XXXX XXXX. Account XXXX : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX  Account # XXXX XXXX. Account Name : US DEPT ED Account # XXXX
Consumer complaint received 2021-04-13
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AES/PHEAA (MD)

I filed for bankruptcy in XXXX under Chapter XXXX. My student loans through AES were listed as an unsecured debt. The Chapter XXXX Plan stated that no interest was to accrue on any debt, and that I was to make my monthly student loan payments to AES, outside the plan. AES admittedly refused my monthly payments, and put me in forbearance, at an 8 % interest rate. 

The final Trustees Report in XXXX stated, on page 1, item 10, that my student loans were discharged without payment, in the amount of {$84000.00}, because AES was to have accepted my monthly payments outside the Plan. AES failed to do this. AES received notice of the Trustees Report in XXXX, as well as the Discharge of Debtor Order. AES did not object or file a timely appeal. 

In XXXX, the United States Supreme Court held in United Student Aid Funds XXXX Inc. v. Espinosa, that an order of the bankruptcy court was enforceable, even if it was erroneous. In that case, the bankruptcy court listed the debtor 's student loans as discharged, and the creditor waited over a year to try to collect. The Court held the discharge order was enforceable since the creditor never objected or appealed. 

I have paid more than {$20000.00} to AES in the past few years, after the discharge. I would like that money back, with interest, and mu account considered paid in full. Thank you.
Consumer complaint received 2020-09-14
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: STERLING JEWELERS, INC. (MA)

How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2018-02-24
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)

TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS 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 Closed : XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/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 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2023-07-19
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. (NV)

There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2019-01-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG HOLDINGS INC (FL)

Purchased fridgerator and stove on XX/XX/XXXX and was told it would be a lease to own product using whynotleaseit. Cash price was {$1800.00} and contract stated we would only pay a total of {$1500.00} per the sales price. Contract states wed pay an initial amount of XXXX, and then next pay of XXXX due on XX/XX/XXXX followed by XXXX payments of XXXX to complete a XXXX period term. We paid the initial payment of XXXX on XX/XX/XXXX and then made XXXX additional payments of XXXX with the final payment on XX/XX/XXXX for a total of XXXX, not {$1500.00}. Contract states we should not have paid past XX/XX/XXXX but that is not correct as it would have only equaled {$1400.00}. At this point we are under the impression we own the product since we have fulfilled all payments and then some. However, it then states on their website in order to own we have to pay an additional {$910.00}. If I have to pay the additional {$910.00} I would have paid a total of {$2600.00} to own a product with a cash price of {$1800.00}. That is almost a 40 % markup. This company is deceiving their customers into thinking they are renting to own, creating confusing and incorrect contracts, and are charging customers additional fees after payments have been made in full.
Consumer complaint received 2021-04-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (GA)

Every three months XXXX XXXX XXXX sales or sends an account to the credit bureaus negatively reporting accounts that do no belong to me. I have been the victim of ID theft, I am teenager and have never used my credit to obtain anything from XXXX & XXXX This is the 6th time my credit account has been defamed for this collection in the last 24 months.
Consumer complaint received 2022-08-28
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. (GA)

On XX/XX/2022 I sent a dispute letter to the 3 credit bureaus to do a proper investigation for the all the incorrect or incomplete information in my credit file..On XX/XX/2022 I received a return receipt USPS for XXXX XXXX On XX/XX/2022 I received a return receipt for XXXX and on XX/XX/XXXX a return receipt for Experian. Experian, XXXX and XXXX did not do a proper investigation according to FCRA and 15 US Code - 1681.I have uploaded my disputed items for inaccurate or incomplete information .This is in violation of my consumer rights.
Consumer complaint received 2019-01-18
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. (GA)

I was paying agreed monthly payments since XXXX, I have receipts. Up until then, I was homeless with no income ; unable to get work. The service was changed ; I continued payments. Yesterday I received a notice from a 3rd collection agency. I had received no notice of this third change. When I called them, they want me to pay {$250.00} a month. I can not afford to pay this amount. When I called Navient, I was told my loans were a charge off since XXXX. So apparently my loan keeps getting sold while I continue to pay each new collection agency.
Consumer complaint received 2022-08-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (VA)

XXXX XXXX XXXX XXXX XXXX recently switched from XXXX XXXX to Barclays. Since the switch it has been impossible to login online to access my account and make a payment. The URL is broken and continually says " We're always updating our website which sometimes makes hotlinks out of date. Visit www.BarclaycardUS.com to locate our most current pages. '' If you click the link they provide, it takes you to another page that says the exact same thing. While you can make a payment over the phone, and I understand technical difficulties online, it has been this way for over a month, in the least. If you offer online payments, customers should actually be able to utilize that feature/function.
Consumer complaint received 2021-04-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FIDELITY CAPITAL HOLDINGS, INC (KS)

Company has failed to deliver notice of debt in writing and have called multiple times to get information regarding debt. Further, if this account is mine, the information they report is inaccurate as i have never owed a debt of XXXX to any rental company.
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

Im accordance with the Fair Credit Reporting Act XXXX account # XXXX violated my rights.

15 U.S.C 1681 Section 602 A, states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2, also states that consumer reporting agencies can not furnish a account without my written instructions.
Consumer complaint received 2021-04-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: U.S. BANCORP (VA)

XXXX, 2020, my US Bank credit card debt totaling {$11000.00} disappeared from my online banking dashboard. At the time I believed I had a payment plan in place when in fact I did not. I was never notified in writing through the mail or electronically as to this status. About a year later I found out about it through a credit check. I contacted US Bank Collections and scheduled a payment plan to which they were unwilling to provide me any documentation for. I needed that documentation to resolve this issue with another agency. The lack of transparency and communication is predatory and harmful to the consumer.
Consumer complaint received 2021-04-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (FL)

I am a small business accounter holder with Wells Fargo. On Tuesday XX/XX/2021 I've sent a wire to my supplier in XXXX XXXX. It was an online wire transfer like many times before. This time for some reason the intermediary Bank ( New York  XXXX  XXXX XXXX ) got the wire transfer information missing the account number of the beneficiary. New York  XXXX  XXXX XXXX contacted Wells Fargo asking for the missing information. As of today, XX/XX/2021 Wells Fargo has not contacted the New York  XXXX  XXXX XXXX with the missing information. Last Friday XX/XX/2021 after figuring out what was going on I contacted Wells Fargo with the help of my branch manager and they started a claim. Case id # XXXX and they told me it could take 5 business days. Today after calling they told me it could take 10 business days due to backlog. My complaint is that all I need is someone to contacted New York XXXX  XXXX XXXX with the missing information already provided. This would take a couple minutes. This was a mistake not caused by me but a glitch of some sort. I don't think it is fair that a wire of US {$34000.00} that is going to be used to purchase goods to be on hold just because Wells Fargo does not have the competency to fix a very simple to fix problem. Thanks for your time. Please help.
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

Im accordance with the Fair Credit Reporting Act XXXX account # XXXX violated my rights.

15 U.S.C 1681 Section 602 A, states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2, also states that consumer reporting agencies can not furnish a account without my written instructions.
Consumer complaint received 2020-09-14
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. (PA)

On XX/XX/XXXX, I submitted a dispute to Experian for XXXX XXXX  XXXX account in the amount of {$560.00}. The reason for my dispute was because the last payment date/activity on this account was XX/XX/XXXX. This date was reported to XXXX  and XXXX  as well. Both of those bureaus have deleted this account from my reports as a result of the 7 year reporting period for closed accounts reporting negative activity. Experian has refused to abide by this law and remove the account on numerous occasions. I also submitted a dispute with them for the very same reason on XX/XX/XXXX. The only thing they have done is report the same information and update the balance date to reflect the same date I submitted the dispute. It is clear to me that they have not even attempted to contact the creditor for clarification, which Im not  understanding they should need if the correct information and dates were being reported to XXXX  and XXXX  why should they have anything different. Please remove this account from my report immediately.
Consumer complaint received 2021-08-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (WA)

Midland Credit has called my number repeatedly over the last month from multiple phone numbers. I looked them up online and found that they are a debt collection agency. I don't have any debt, so I have not talked to them. I believe this is a scam.
Consumer complaint received 2022-03-03
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: JPMORGAN CHASE & CO. (TX)

XXXX XXXX a car keeps charging my credit card without my consent and chase bank keeps telling me it's not fraudulent. This car was returned back on XXXX on XXXX and my card is still being charged. A charge of almost XXXX was charged to my card on XXXX. I disputed with chase and they said it was not fraud and was charged back to my card in XXXX of XXXX. A new charge has also appeared of {$2100.00} and chase let that go through as well. A representative told me it was not fraud as well. I'll talked with another representative from recoveries department and they disputed it. But my concern is that it will come back again like the charge of almost {$500.00}. I've never seen anything like this in my life. Im never using a credit card or rental company again.
Consumer complaint received 2020-09-14
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Hi Officier, From XX/XX/XXXX, I've canceled my credit card and I am going to close my CD then get refund back to my checking account. Bank of America confirmed that they will refund in 10 days. 
2 weeks passed, I was checking with specialist via service phone call at XXXX about why my CD is not closed. I made several calls in two weeks to figure out the reason but their specialist can not get any response. In the end, I went to BOA physically and asked their clerk to assist. Even their clerk can not get the answer from their BOA internally. According to her information, she reached with CD but CD depart thinks it should be taken care by Credit card Depart. When we were transfered, Credit card depart said it's not their business and asked us back to CD. Then we tried over 2 hours between both departments. It doesn't make sense to me why I can not close my account because of their internal issues.
Consumer complaint received 2021-08-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC (TN)

On XXXX XX/XX/XXXX, I contacted Capital Accounts to see exactly what the balance is of my debt owed, this is a medical debt that is under a Debt Management Program since XXXX and payments are made every month. I was told that the balance was XXXX, the balance on the DMP isXXXX, I brought this to their attention, I was then at that time made aware that they are charging interest, the original balance is XXXX, my wife contacted the Dentist office, who does not charge interest, under TN law if there is no interest in the Original contract and I didn't agree to it, they can't charge it. I asked the collection agency associate handling my debt when did they start collecting interest, she stumbled a lot on the phone then came back with XXXX XXXX XXXX the date the dentist office stated they turned it over to them, then I asked how much is the interest, what percentage rate?, the associate could not give me an answer, she stumbled quite a lot on the phone, so I repeated the question, again she never answered and then there was silence on the phone, which I waited to see if I was put on hold, waited a few minutes then the phone hung up. I called back, they answered and I asked for the associate 's last name, I asked twice and I was told there was no one that worked there by that name. Upon what information I found out today that I didn't know, they are fraudulently collecting interest on a medical debt for financial gain, they are using deceptive practices, in violation of FDCRA, the associate also claimed that they never received anything from the DMP, I know better than that, cause they are the ones sending them the monthly payments. They were caught in a lie, the associate also stated she knew nothing of the FDCRA as my wife tried to tell her, after I gave my wife permission to talk to them, the associate didn't want to listen after my wife caught her in a lie too.
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (MO)

XXXX is the company that is handling my student loan. 
They have repeatedly and constantly are making phone calls, emails, and leaving messages on my phone. I had filed a compliant about this before, but there has been no relief. 
This company has been reporting balances to the credit bureaus, and of course there is a halt on all student loans due to the pandemic. 
This company has purposely lowered my credit scores.