davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-14
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. (SC)

I am aVICTIMof off base/strange/invalid/obsolete as well as conceivably even false deception within my Transunion report . This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's Complaint and Affidavit :
Consumer complaint received 2021-04-15
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. (PA)

I am writing to delete the following information from my profile. The items are from XXXX XXXX and they are listed in my credit report. These should not be reporting to my profile. I ask that the items be deleted immediately to correct my credit report. I reported the theft to the FTC and I have enclosed copies of the FTC XXXX. Please delete these items as soon as possible. 

After numerous attempts to mail these disputes to Experian and to provide the the necessary documentation to them they were still not able to comply accordingly. I have taken further action and asked the CFPB to monitor this. As of recently I mailed out a dispute to Experian on XX/XX/XXXX, to date they have not started on my dispute even though it was delivered. 

Best, XXXX XXXX
Consumer complaint received 2020-02-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MD)

I requested a 3 month forbearance in XX/XX/XXXX ). At this time, my loan payment was {$190.00} each month. The forbearance was approved and I was provided with a letter " to advise you of the conditions under which a forbearance may be granted. '' The letter states that I may have to pay interest that accrues. As such, I paid the interest payment on XX/XX/XXXX of {$29.00}. When the forbearance ended my " repayment term '' had been changed, without my knowledge or consent, therefore increasing my new monthly payment to {$300.00}. I called AES ( XX/XX/XXXX ) to inquire and first I was told the payments increased due to capitalized interest. When I explained that I did pay the interest, the representative then told me that my loan requires a payoff by a certain date so now my payments will be more since I took a break ( forbearance ) for 3 months. I protested and insisted that at NO time was I aware nor did I agree to those terms. She told me that I would need to see the master promissory note ( MPN ) that I signed in XX/XX/XXXX. I requested a copy of the note and she told me that she submitted a request to have a copy sent to my home-it was not readily accessible for me to view. In the meantime, she told me there is absolutely nothing that can be done and my credit will be negatively affected if I do not pay the full monthly amount. 

First, the MPN is not easily accessible as demonstrated by her response! Second, I should have been directed to these terms in XX/XX/XXXX when I requested the forbearance so that I could review any hidden terms-such as this. I have the " terms '' of my forbearance, sent by AES, dated XX/XX/XXXX. This document does not refer me to a MPN nor does it state may repayment term may/will be changed. It only addresses the possibility of accrued interest. 

I believe that I have been grossly misled. I can not afford this increased payment, and fully expected to resume my usual {$190.00} payments. No one explained verbally, or sent terms explaining my repayment term would change with a forbearance
Consumer complaint received 2022-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I opened a CapitalOne Venture XXXX account on XX/XX/2022, which charges a {$390.00} annual fee. In exchange for that annual fee, CapitalOne and its partner companyXXXX XXXX, market this card as providing insurance coverage in the event of accidental damage to a rental car purchased with the CapitalOne Venture XXXX card. 

I rented a car in XX/XX/2022 through XXXX and experienced minor accidental damage resulting in a charge of {$250.00}. I initially submitted a claim to XXXX electronically on XX/XX/2022, claim # XXXX. After nearly 2 months, I had not heard back from XXXX card benefit services, and only after calling them ( and waiting on hold for cumulatively over an hour ) did they acknowledge the claim and were unable to provide a rationalle for the delay in processing, falsely claiming they required additional information. The 'additional information ' they required was the estimate of damage, which I clearly submitted initially on XX/XX/2022. 

XXXX provides inappropriately poor customer service coverage, resulting in excessive and unreasonable wait times. VISA card benefit services failed to read the paperwork I submitted with this claim on XX/XX/2022, thus delaying my claim process indefinitely without any notification to me. Had I not reached out to VISA after 2 months, VISA would not have processed this claim. XXXX has been in possession of all required documentation to process this claim for 2 months and has yet to properly pay out the claim as contractually obligated under the CapitalOne XXXX XXXX sales agreement. 

Both CapitalOne and XXXX refuse to provide remuneration. I feel that CapitalOne and XXXX have violated the sales agreement under which I purchased credit card services. I paid the {$390.00} annual fee in full upfront in XX/XX/2022 when I opened the account, and in exchange, CapitalOne assured me I would be provided with a rental car accidental damage waiver which VISA does not honor.
Consumer complaint received 2021-11-17
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. (NJ)

Someone seems to have access to my personal information and is trying to ruin my credit. In XXXX of 2021, a debt from XXXX XXXX appeared on my credit with a balance of {$260.00}, this debt has no account number, just a po box and a phone number. I made several calls to them and spoke with a young lady by the name of XXXX. I have been unsuccessful in rectifying this problem. I need this to be removed from my credit report immediately as this is causing me an enormous amount of stress. Please advise as I do not know what to do.
Consumer complaint received 2020-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I opened a capital one account that advertised no interest for 18 months. The billing statement indicated no interest charge for XX/XX/2020 and I proceeded to pay off the account but was still charged XXXX interest without being notified that I would be charged interest.
Consumer complaint received 2021-11-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (FL)

On XX/XX/XXXX, I received a notice from XXXX XXXX XXXX regarding a collections debt from XXXX. I sent this company a certified letter to validate this debt. The debt was not validated but sent from a company with a different name Cavalry Portfolio Services , LLC. In the amount of XXXX. The account listed is XXXX. The address is different as well. The address : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX PA XXXX was sent certified verification mail. XXXX XXXX XXXX and/or Cavalry Portfolio Services , LLC did not verify this debt but instead sent me a bill. Nothing verifying the debt. This is clearly an abuse of collections tactics. This is not my debt and is from XXXX don't have or have had any business with this company in the past or currently. This is harassment! I demand that this collections company cease and desist all collections efforts and stop the harassment.
Consumer complaint received 2020-02-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

Hi, After a lengthy conversation with another PHH representative this week. I was informed that my new case manager XXXX ( United States based/English Speaking ) would be giving me a call today to share findings, negotiate a solution and clarify issues. 

No one called me .... 

I am concerned that this matter is not being taken seriously, I have never spoken to the same representative twice. 

XXXX, the original case-manager is highly negligent, profoundly unavailable and has trouble conveying any real answers. I get constantly told each week there will be a solution. 

What kind of company sends out letters threatening foreclosure as a scare tactic and doesn't follow up with their clients. I have a call log of nearly 300 phone calls to PHH. 

I highly recommend that you close your off-shore call center and provide clients with representatives that are not only invested in support US clients but have the skills set, linguistic and cultural competence, respect, compassion for their clients served. 

Please address immediately- there have been not results from this. 

Thank you.
Consumer complaint received 2020-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Western Benefits Group, LLC (MD)

WESTERN BENEFITS WAS HIRED ON MY BEHALF TO PROCESS A FORBEARANCE WITH XXXX XXXX. 

I WAS NOTIFIED BY WESTERN BENEFITS THAT AN INCORRECT SOCIAL SECURITY NUMBER HAD BEEN SUBMITTED, ( NOT BY MYSELF ) AND THAT IT WAS SMALL PROBLEM THAT WOULD BE FIXED QUICKLY AND NOT TO MAKE ANY PAYMENTS TO XXXX XXXX. 

I FOLLOWED THEIR INSTRUCTIONS. NO APPLICATION WAS SUBMITTED ON MY BELF. MY ACCOUNT WAS 90 DAYS LATE AND I AM UNABLE TO HAVE THAT NEGATIVE REMARK REMOVED.
Consumer complaint received 2020-02-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MN)

What information did you send to the creditors and what did they send back? The reason I know you are not properly doing investigation is due to the fact that you are typing in the comment fields acting like you did an investigation that is the wrong spot should be listed in the correct spot on the credit report I have submitted factual proof that you are not doing your job and most importantly follow the law either you remove these account or I will file a federal lawsuit and sue you for what Im entitled too. Im in need of a car and I will he applying for credit in the next 5 days after speaking to attorney about this first thing they ask did you apply for credit brings in more money and you almost immediately win your case but you need to follow the law and do what you are expected to do. And obey the law but you will soon find out very very soon Why dont you send me the information that was sent by your company and what the creditor sent you?? Maybe their was nothing sent could that be?? 
Send this information last time asking for it XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/ReportedXXXX XXXX XXXX Balance Owed : {$0.00} XXXX, XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/ReportedXXXX
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I want to emphasize that I have no connection with these creditors, and I did not initiate this inquiry on my credit report. I urgently urge you to promptly remove it without any further delay. I also request a thorough investigation into this matter and swift correction of the error by removing the unauthorized inquiry from my credit report.
Consumer complaint received 2022-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (WI)

Without my knowledge, my son applied online for a loan. As part of the application, he provided his checking PIN and his personal account information. A fraudster accessed his account using the information he provided in the application and printed a copy of a check that I had written to my son that he had previously cashed into his account. The fraudster altered the check #, check amount and check date and made multiple hand written falsified checks and then mobile deposited each altered check. My bank then cashed these checks. The checks exceeded my account balance and therefore should not have been cashed. Also, I reported the fraud within 24 hours.

To report the fraud I went to my local branch with printed copies of the fraudulent checks. The Branch VP helped file the claim and I was told it would take up to 30 days to get my money back. The fraud took place on XX/XX/22 and I reported it on XX/XX/22 and I still have not been reimbursed. 

I have contacted the bank three times during this period and each time I have been told that it is still under investigation. The bank has never reached out to me for follow-up questions. 

The check that was altered and cashed on XX/XX/22 was for the {$1700.00}. A second fraudulent check in the amount of {$780.00} was also cashed on XX/XX/22, however that one the bank reimbursed me on the day I reported the fraud.
Consumer complaint received 2020-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I hired XXXX XXXX to act on my behalf to submit an application of Forbearance with XXXX XXXX. 
I was told that there was a mix-up with my social security number and that XXXX XXXX was responsible for the mistake. 
I was instructed that the mistake would be corrected and NOT to make any payments. Any negative activity would be deleted once the social security number was corrected. 

I have tried several times to have this 90 day late remark removed from my credit reports, but XXXX XXXX refuses to do so. 

I have been denied credit because of this mistake which was no fault of my own.
Consumer complaint received 2020-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

on XX/XX/XXXX Equifax reported from XXXX XXXXXXXX XXXX stating the following : ALERT DATE : XX/XX/XXXX ACCOUNT : XXXX XXXX XXXX XXXX Alert Details ACTIVITY TYPE : Account Change NUMBER : XXXX XXXX STATUS : > 119 days or > 4 paymnts past due BALANCE : USD {$0.00} ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, DE, XXXX PHONE : ( XXXX ) XXXX What does it mean? 
We monitor your credit report ( s ) and alert you when new credit activity is detected. If you do not recognize the activity, the alert could signal potential fraud. 

What should I do? 
Review the date and alert details carefully. If you recognize the activity, theres nothing you need to do. If the activity is unfamiliar, we recommend checking your credit report and score for other unexpected changes. Call us if you dont recognize the activity. 

This while stating my home was sold on XXXX this account is closed as well as the following HELOC against my home is also closed!! : Questions? Need advice? 
Flag this alert and call us. Were available 24 hours per day, 7 days a week. 

FLAG THIS ALERT ALERT DATE : XX/XX/XXXX ACCOUNT : XXXX XXXX XXXX XXXX Alert Details ACTIVITY TYPE : Account Change NUMBER : XXXX XXXX STATUS : Not more than 2 payments past due BALANCE : USD {$40000.00} ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, DE, XXXX PHONE : ( XXXX ) XXXX Both of these accounts are said by XXXX XXXX XXXXXXXX XXXX, XXXX  to be close as to be against my ONE home supposedly sold on XXXX. Both of these accounts are supposed to be CLOSED BUT INSTEAD THE ACCOUNT NUMBERS HAVE BEEN SWITCHED AROUND TO LOOK LIKE THEY ARE STILL OPEN. THIS IS FRAUD!!! but this illegal false information is being posted on my credit bureau reports. This needs to be reported to the IRS for many crimes by XXXX XXXX XXXX XXXX XXXX 
This was an ILLEGAL auction with the use of falsified forged mortgage And promissory note documents. There are NO required original documents needed to Legally foreclose but XXXX XXXX XXXX XXXX XXXX refuses to follow the laws required to be legal and now are trying to commit tax evasion and money laundering by hiding what they are doing with these fake reports. This information is NOT in litigation as it occurred AFTER the litigation was filed and ONLY that which was involved in that filing is applicable in the present Appeals case. Nothing since then including this compliant information is in litigation. NONE of this is in litigation!! This was NOT a Legal valid foreclosure sale only a scam to terrorize me out of my home.
Consumer complaint received 2020-02-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (AL)

I've contacted the original creditor XXXX and the Credit Collection Service and they can verify the debt has been paid back on XX/XX/2020. However, the Collection Service say 's that they will keep reporting to the credit bureaus weekly up to 30 days until it updates in there system. It has been over 30 days and they have reported this debt 3 days in a row to XXXX. I've called XXXX and XXXX has sent emails and notifications to stop reporting. I've called the collection service and they say there is nothing they can do. Even after my complaints they are still reporting to the credit bureaus that this is a collection.
Consumer complaint received 2020-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc. (TX)

In XXXX of 2017 I went into the Conn 's store located at XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. I went in looking for an entertainment center for my living room. I found the one I wanted and was approved for it. I had it delivered to my house. It was delivered by a contracting company that Conn 's uses for its deliveries. The gentlemen began to put the entertainment center together, it was 3 separate pieces. Once it was put together we noticed that all 3 pieces were not going to fit on the wall in my living room. So I advised the guys to return the entertainment center. They packaged the pieces back together and put them back on the truck. When it was time for me to sign off on the delivery and acknowledge that I was returning the product the young man told me that his digital device was not working and that he would send confirmation once he got back to the warehouse. I called Conn 's to advise them of this as well and they said that would follow-up with the warehouse. On XX/XX/2017 I went inside of the store that I purchased the entertainment center from and spoke directly with the store manager. The store manager assured me the this would be taken care of and the purchase we be voided. On XX/XX/2017 I called Conn 's because I was still being charged for the entertainment center. I spoke with XXXX rep # XXXX and call confirmation # XXXX. XXXX stated that I would receive a call back from management within 72 hours and I never received a call back from anybody. I have been dealing with this every since. Multiple phones calls later this is still on my credit and I do not have the merchandise. This is the only negative account that is on my credit report and I want it removed permanently.
Consumer complaint received 2019-08-04
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. (WI)

Ive been fighting to rectify fraudulent activity, names, addresses, social security numbers, accounts, returned equipment to XXXX, utility bills and addresses and social security numbers belonging to my ex-husband and his ex-wife snd more since 2013 l. Ive been a victim of XXXX/ XXXX  breach also. Their websites, phone numbers, etc are all non-functioning for me and thousands of others with the same issues. I can not access or prove my own identity or social security number! I lost my identity and want my life back! They charged my back account for unauthorized up charges for who knows what. Ive spent hours, for years, monies etc. on this. Please help me.