davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-22
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: College Ave Student Loan Servicing, LLC (PA)

College Avenue student loans calls me multiple times a day trying to collect money from me for my birthday exs loan that I co-signed years ago but we are no longer together. I never received any bills or paperwork from them. I dont even know how much the bill is for. Ive asked them to not call me at work, but they repeatedly call everyday. I just want them to stop.
Consumer complaint received 2020-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

There was a fraudulent charge on my Citibank credit card for {$2600.00} on XX/XX/2019 and I called the company to dispute it. I finally received a letter in the mail saying my dispute has been closed and they are not going to reimburse me. Supposedly the card that was used at the store had a EMV chip and since I told them that I was in possession of my card that entire day, they are not considering it fraud. But they are wrong and they did an inadequate investigation. When I called yesterday to complain and ask what the next step is, the customer service lady told me to open up a police report. When I went to the police station they told me this is incorrect. I can not file a police report unless my card was physically stolen from me. So I am at a loss and not sure the next steps. I can not afford to pay for a {$2600.00} charge that I did not make. Thank you
Consumer complaint received 2018-05-07
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. (NM)

I took out a loan with pocketfund in XX/XX/XXXX. I made a payment of {$180.00} in XXXX. I can not afford {$180.00} every 2 weeks for 8 months. I stopped payment on my checking account. My desire was for the company to send me a letter and we could work out a payment plan. I have learned to not make agreements via phone calls as there is no written record. I started receiving emails and phone calls to my cell phone and my work phone. I told the caller that I could not receive calls at work. She kept calling. I replied to an email stating not to contact me by phone or by email. I requested contact by mail only. This was on XX/XX/XXXX. I am continuing to get emails and phone calls. I have kept these voicemails on my phone. Now the messages are threatening me with wage garnishment and legal action. To date I not received anything in the mail. They have listed this as a charge off on my credit report. I have disputed the balance. I borrowed {$1000.00} and the balance shows over {$2500.00} due in less than 5 months. I want this corrected. I also want them to stop calling me and emailing me.
Consumer complaint received 2022-12-15
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. (NC)

In accordance with the fair credit reporting act, the list of accounts below have violated my constitutionally protected rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX XXXX  # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX  # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX  # XXXX XXXXXXXX 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. XXXX XXXX XXXX XXXX XXXX  # XXXX 15 U.S.C. 1681 SECTON 602A STATES THAT I HAVE A RIGHT TO PRIVACY. 

15 U.S.C. 1681 SECTION 604A SECTION 2. IT ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C. 1681C ( A ) ( 5 ) STATES THAT NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING AND OF THE FOLLOWING ITEMS OF ADVERSE INFORMATION, OTHER THAN RECORDS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 U.S.C. 1681S2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Consumer complaint received 2021-02-18
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lockhart, Morris & Montgomery Inc. (LA)

Lockhart Morris & Montgomery , Inc. at XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX has been sending me collection notices in the amount of {$6300.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2020-02-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I recieved calls from XXXX XXXX XXXX. USAA. XX/XX/XXXX I waited 56 mins XXXX ID XXXX Attempted Collect on FDIC ID THEFT case # XXXX. USAA WAS MADE AWARE OF ID THEFT XXXX see. attatched Fraud Claim Letter XX/XX/XXXX Unauthorized Charges {$470.00} on card XXXX. See attatched CRIMINAL INVESTIGATION POSTAL SERVICE Letter XX/XX/XXXX. ( UNAUTHORIZED TRANSACTIONS are ID THEFT. AND ITEMS NOT DELIVERED are ID THEFT ) FTC Guidelines ID THEFT COLLECTION IS UNLAWFUL. USAA does Not folliw FTC guidelines. Then XXXX came on line to harrass telling me I just did not want to pay my debt. CHECK MY PAYMENT HISTORY SINCE XXXX. USAA NEVER RESOLVES FRAUD THEN COLLECTS.
Consumer complaint received 2020-02-22
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. (PA)

I have a few accounts on my credit reports that belong to a company and not me personally as an employee. Seems the reporting Agency is reporting them to my personal credit report as a charge off. These loans never showed up on my credit before but now a charge off is there after years. 

I seem to also have a XXXX account and a couple XXXX  XXXX credit cards that I never opened or knew about. I think they were opened by my dad who I havent seen since 1983 when he left me at XXXX years old to never see him again. He has the same name as I do. 

Lastly I have a XXXX utility bill That was in my Exs name. Even though I didnt live at the home with her while the costs were ran up The utility says since she listed me as there it means I am responseable for it
Consumer complaint received 2021-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/2021 I sent documents disputing multiple negative fraud accounts associated with my credit report. Ive sent dispute letters to all three bureaus. Below are the Companies, Account Numbers, and Amount of the disputes I have sent to XXXX, TRANSUNION & XXXX. Also attached below are the letters I mailed to all three bureaus. I would like these removed from my credit as soon as possible. XXXX XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX XXXX {$3600.00} XXXX XXXX  XXXX {$200.00} XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX  XXXX {$430.00} XXXX XXXX  XXXX {$2300.00}
Consumer complaint received 2020-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I have a credit card w/Bank of America. I paid it off before the due date, but they still charged me interest on the next statement. I immediately called and cancelled the card since I had paid all the money I owed them for purchases. I told them that I would not pay interest on a balance that was paid off prior to the due date and, if they would not reverse the charge, then send my account right over to collections because I would not be giving them another penny. The following month, they charged me interest on the fraudulent interest from the prior month AND a late fee. I called again and sent a letter to stop compounding the interest and late fees on a fraudulent interest charge. I have called two more times since then, too. They admit that my account has been closed since my initial call, but they said they would keep charging me until I paid it and also keep hitting my credit report.  As a result, my score has gone down over 100 points, and I just got another bill today. The original fraudulent charge has ballooned from about {$30.00} to almost {$400.00}. It's predatory to keep charging me late fees and interest on a disputed charge ( which they've never addressed or investigated ), and it's ruining my credit. I want them to stop charging me and clean up my credit report. I also want them to reverse the original {$30.00} fraudulent interest charge.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Please correct my name and address across all primary and secondary credit bureaus So that the old read the same, I would like all other missspellings of my name and address, delete it from all records across all primary and secondary bureaus as it is in accurate in violation of like consumer rights to furnish it accurate information. I demand this be corrected immediately. All other spellings or interpretations, invalid addresses, aside from the one listed on my drivers license must be deleted immediately across every bureaus and reporting agency. Any damages, denials financing, or financial hardships resulting from a failure to verify my information will be pursued legally. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX
Consumer complaint received 2020-02-01
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. (GA)

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING FRAUDULENT ACCOUNTS WITHIN 4 BUSINESS DAYS OR LEGAL MATTERS WILL TAKE PLACE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX INQUIRES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-02-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

My problem is with Comenity Bank. I have/had a XXXX card through Comenity. In XX/XX/2019 I paid the card to XXXX ( {$52.00} ) ), or so I thought. Evidently they have some kind of time cutoff and even though I made the payment on the date it was due XX/XX/XXXX it posted to their system the following day XX/XX/XXXX. I had no idea this had happened until XX/XX/XXXX/XX/XX/2019 because I assumed the debt was paid in full. Once I found out I called and asked that late fees be waived. They would not waive all of the fees. I said I would pay {$32.00} in late fees to close the account ( I really felt I didn't owe but was trying to be reasonable ). They have continued to bill me for additional late fees and interest every month and have begun to negatively impact my credit. The company called the other day and basically said I owe $ 190+ dollars and if I would pay {$69.00} they would quit bugging me. I said no. Then they dropped to {$47.00} and said to pay or they would report on my credit again. I have the money to pay the {$47.00} but at this point it is the purpose of the matter, they are behaving unethically in my opinion. Comenity could easily rescind these charges and settle this account. They have already received {$32.00} more than I actually owed and they act like I am trying to rip them off. It is very disheartening and infuriating. If I was defaulting on a principal balance I could understand their aggressiveness but this is revolting. They are simply being greedy. Please hold them accountable and help them establish better business practices.
Consumer complaint received 2018-05-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My two business accounts were closed at Bank of America, with no warning and no explanation : o XXXX XXXX XXXX. # -XXXX approximately {$6000.00} balance o XXXX XXXX XXXX  # -XXXX approximately {$6000.00} balance I was told that they were legally allowed to do this according to the deposit agreement I signed when I opened my account 18 years ago, however they can not provide me with my signed copy.

For the past few weeks, I have spent various hours on the phone speaking with supervisors and have gone to my local branch and no one will give me any information.

I received a document for each account dated XXXX XXXX  2018 which states, Weve closed your account listed and any remaining balance wont be returned to you.

I have no access to my account, my money, or my bill pay information, and the various Supervisors Ive spoken with in the account closure department ( the number listed on the letter ) continue to say my account is under review, with no speculation as to when I will receive further information.
Consumer complaint received 2020-02-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

Attempting to contact call center when I am not working. Call center reported that they " could not transfer me '' to United States branch. Call is recorded, requested 4 times. Representative name is " XXXX ''. 

I was informed by a representative 2 weeks ago ( call is recorded ) that I was assigned a new case manager, " XXXX '', in the United States. Have never received any contact from her or call back. 

More incivility and unethical behavior on the part of PHH off shore branch.
Consumer complaint received 2020-02-22
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. (FL)

XXXX XXXX LAST SS # XXXX DOB XX/XX/XXXX XXXX XXXX is reporting negative activity on my credit report with no phone number so I can't reach them I don't know who or what company this is I'm in the process of purchasing a home an if this causes me not to be able to purchase my house they will be held liable I have a fraud alert on my credit report since XXXX if anything that involves my credit is being reported on my credit report without providing information of proof that I was contacted and was the confirmed person that was applying for this account then this account is not a valid account and credit bureaus should not report it on my credit This is a Service of notice to all three credit bureaus that I don't know this Company and All three Breaus are aware of the fact that I'm a victim of identity theft and of they report this Company on my credit report they will be held liable and will be litigated to the fullest extent of law.
Consumer complaint received 2020-02-22
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: DISCOVER BANK (NY)

I have submitted 2 complaints already about my discover card. Yesterday XX/XX/2020 I was able to get online to view my account and make a payment. Today I can't get online again. I've called several times and they will not fix this problem. I also received 2 letters from them the other day. One states the re-investigation is closed and the other one states the investigation with the fraud charges were approved and in my favor. However there is a discrepancy of {$1000.00} still not credited back to my account. I don't no what they are doing but I am fustrated at the fact that I can't even get online to view my account. They are giving me a very hard time in resolving these issues. I expect to be able to get back online and keep a tab on my account along with getting the credit back to my card that was fraudulantly taken.
Consumer complaint received 2021-06-15
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. (TX)

I have disputed multiple times incorrect/fraudulent information that has appeared on my Experian /XXXX  credit report. I have ask to provide documentation of the alleged debt which has not been provided to me. I hired a credit repair service to help obtain information that at the point was still not provided. I have four accounts on my credit report that I have been opening up disputes and requesting that those items be removed from my credit report. To this day nothing has been updated nor have I received documents of the alleged debt.
Consumer complaint received 2021-02-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

LVNV FUNDING is claiming that I owe them {$2300.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Consumer complaint received 2016-11-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Over past few weeks have been receiving phone calls that caller ID identifies as Fifth / Third bank. the # is XXXX. When I pick up and answer there is silence on the other end of the line ( I can not tell if its a human or a robot. After a few moments the phone will disconnect. Yesterday I call 5/3 @ XXXX to verify if the phone # calling me was a 5/3 # ... after being put on hold the representative came back on the line & stated that YES ... THIS # IS FROM THEIR COLLECTIONS DEPARTMENT, ( SHE ADMITTED THAT 5/3 WAS MAKING THESE CALLS ) plus I have had other similar calls from other # 's .... 
15 USC 1692F ss 806 ( 5 ) Seems clear regarding this type of call. 
THESE ARE HARRASSING PHONE CALLS. 
IT 'S INCONCEIVABLE TO ME THAT A BANK WOULD ACT IN SUCH A DISPICABLE MANNER, I do n't even believe it is me that they 'd be trying to contact ... PLEASE HELP WITH THIS ISSUE Thank You.
Consumer complaint received 2023-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my 2nd XXXX to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9200.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$9500.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$2800.00} XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance XXXX {$9200.00} Original creditor : XXXX Balance : {$730.00XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$17000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX  XXXX Balance : {$9200.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2021-04-17
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. (UT)

credit bureaus are siding with a corrupted fraudulent Bank, XXXX XXXX. I had a car loan that was paid on time, 60 payments. Monthly. XXXX XXXX reports car loans as well as boat loans as well as mortgages as " charge offs '' so that as a huge Corporation they would pay less taxes. And you are siding with them too. It is illegal to lie about how a car loan was paid. My var loan was never 120 days late. I was even sent a refund check of {$1600.00} in XX/XX/2020 because I overpaid the car loan and overpaid for fees I was not supposed to be charged for. I have a letter that proves that. I have payment history print outs too. They have nothing. And if they have anything it is altered. Again this is a bank that is on the news almost every week and has been for over 15 years at least. Corrupted. Liars. Fraudulent. And CFPB apparently does nothing about it. Hideous.
Consumer complaint received 2023-03-24
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. (NC)

XXXX XXXX removed an erroneous XXXX XXXX from their records. Credit bureaus are still reporting the incorrect information after submitting several disputes.
Consumer complaint received 2023-03-24
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. (TX)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX