davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-24
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)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX, USDOE/XXXXXXXX Account number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-02-25
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ACI Worldwide, Corp. (FL)

ACI, XXXX XXXX XXXX, has called my cell phone repeatedly claiming to be attorneys, stating I owe paypal some exorbitant amount of money. I have a XXXX account that I use to pay ONE bill, and the balance is XXXX.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I am writing to follow up on my dispute regarding the discrepancies reported on my credit report. After a thorough review of the information provided, it has become increasingly clear that there are numerous inaccuracies and unverified entries that are adversely affecting my credit score.
Consumer complaint received 2020-02-26
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. (NY)

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX  data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid.
Consumer complaint received 2020-02-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Benuck & Rainey, Inc. (NJ)

Getting calls from Benuck & Rainey LLC, debt collectors. They call daily, sometimes up to 7 calls a day, some within minutes of each other. When I answer they ask to verify DOD and SS # before they can even tell me what the call is about. When I ask to tell me what the call is about before verifying my information, they get angry and aggressive before they proceed to hang up. I don't know what this calls could be about and have not received any kind of correspondence from this company either.
Consumer complaint received 2020-02-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

Our home was destroyed due to Hurricane Harvey. we moved into these apartments as an emergency shelter. I have XXXX, and my husband has XXXX. we were unable to go up and down the stairs due to our XXXX XXXX. we were told we can give a 30-day notice and lease because it was during a natural disaster. however, they sent our bill to collections for {$3500.00}. 

we can not pay this. we are on a fixed income and this occurred during a state of emergency.
Consumer complaint received 2021-06-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Debt Mediation, Inc. (FL)

XX/XX/2021. I applied for an apartment at XXXX XXXX. I was charged for {$420.00} total and advised it was refundable. {$120.00} is application fees and {$300.00} was admission fee by verbal, I was over charged for the fees base on their website, app {$100.00} and XXXX {$200.00} They gave my desired unit away and gave me something I dont like and I asked for refund on XX/XX/2021. The listing agent XXXX said its non refundable once the application is approved. I asked to withdraw the application if I cant get the unit that I want and I was not advised with the refund policy, I felt I got scam because they refused to show me other units and told me theres no unit left. They push me the sign the lease for 16 months in order to get my {$420.00} back. I told them I will dispute it with the bank. Then my bank gave me a temporary credit on XX/XX/XXXX and it reversed on XX/XX/2021 because the merchant made fake documents and sent to the bank to get the back. I asked to see the documents and The merchant had never showed me the documents in person or by mail including return policy and somehow all documents was electronic signed and I know I did not sign anything since the day XXXX applied. I put in my application because I was told its refundable. Now in XXXX I received a debt collector from XXXX XXXX for {$470.00} meanwhile they already took the money from my account. This is a misconduct business what they did, first took my money and gave my unit away and refused to refund and contacted debt collection saying I owe them money because I dispute it with my bank. My bank already paid the merchant on XX/XX/XXXX. Now Im trying to get the portion money back from the merchant because I was being overcharged for the fees. And my bank cant do much to get the whole amount back since the merchant responded back with fake documents. 
I called the debt collection office today and advised that this debt has already been paid and spoke to agent name XXXX at XXXX XX/XX/2021 he asked me to contact soleste XXXX . Im going to send the email to the property manager XXXX to advise him that to remove me from the debt because the money has already taken from the bank account.
Consumer complaint received 2022-12-01
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: EQUIFAX, INC. (MI)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX ( Opened XXXX. XXXX, XXXX, XXXX XXXX {$1700.00} ), XXXX XXXX ( XXXX XXXX. XXXX, XXXX, XXXX XXXX {$6000.00} ), XXXX XXXX ( XXXX XXXX. XXXX, XXXX, Highest Balance {$1700.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$3500.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$3500.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$4100.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$2000.00} ), XXXX XXXX ( Opened XXXX. XXXX, XXXX, XXXX XXXX {$5000.00} ), XXXX XXXX ( XXXX XXXX. XXXX, XXXX, XXXX XXXX {$4500.00} ), XXXX XXXX ( XXXX XXXX. XXXX, XXXX, XXXX XXXX {$1000.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2018-03-13
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. (CA)

in XX/XX/XXXX I spoke to a Navient representative about my two private loans increasing in the payment amount due and if there is any way to lower the payments. They told me they were able to drop the payment from the {$220.00} amount down to, if i remember correctly to the {$170.00} range. It wasn't a huge difference, but this drop was enough to help. So I then scheduled the payment to cover that amount. this was early to mid XX/XX/XXXX when I did this just because I did not want any issues to take place with my payment. Which has happened multiple times in the past.

Now on XX/XX/XXXX I received an email saying that my request for that repayment option was denied. So I called on the XX/XX/XXXX to try and resolve the issue before my payment was due. They told me that I did not qualify, because my loans were not eligible ; even though there representative told me I did in the first place and that my payments will now be around {$220.00}. I just logged in today, XX/XX/XXXX, to schedule my payments for next month and the payment increased to XXXX and even worse when I called they told me I owed XXXX. How do these numbers not match? 

I called on XX/XX/XXXX around XXXX XXXX and explained what happened, my call was then transferred to a gentleman whose name I do not recall. He explained to me that my interest rate increased at the end of XX/XX/XXXX, which I never received any information from navient about the increase. I have screen shots of all the files that were ever sent to me through navient and none of them even bring up a possible increase in the interest rates of my loans. 

Long story short I was told that they can not do anything unless a call and so a budget check to show that I am under financial distress because of the loans.
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: DISCOVER BANK (NY)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end credit plan as late for purpose.
Consumer complaint received 2020-02-25
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TOLEDO FINANCE CORPORATION (TX)

They contacted a third party that is not on this loan. This is the third complaint I have filed. Their last response was that they will no longer contact any of my " references '' but they contacted one by phone today, XX/XX/20. I am currently only 10 days past due. They call and leave me messages daily beginning on the day my loan payment is due. Previous complaint number is XXXX-XXXX
Consumer complaint received 2020-02-25
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: Navient Solutions, LLC. (CA)

Navient is reporting that I was 90 days past due in XX/XX/2019. I called Navient several times to modify my loan due to my employement status. I sent the documents in multiple times and they state they never received anything until XX/XX/2019. I also sent certified letters to their office in XXXX XXXX, PA that they stated they never received. My loan was modified and brought current and they have not updated my credit report to reflect this. I supplied all the information several times and they state they never received anything. I have the certified mail that was signed for. I have also read that several other students have had issues similar to mine regarding documents. I want the credit report fixed to reflect current status from XX/XX/2019. I have made several attempts over the past year to try and get this resolved and nothing has been resolved.
Consumer complaint received 2020-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I called XXXX XXXX XXXX XXXX in XXXX about modifying my loan. The modification was approved and I was told to make a payment by XX/XX/2020. I made the payment on XX/XX/2020. The representative that approved my modification made no comment or indication about credit reporting during the call. As of XX/XX/2020, XXXX XXXX reported my auto account 30 days past due. This was never explained to me over the phone about any credit reporting or late payment, otherwise I would have made the payment sooner. I am requesting that the credit report be updated to reflect current status. I have never been late on my auto payment and this was clearly not explained to me during the modification by the agent. I have called XXXX XXXX a few times to try and resolve this matter and nobody seems to care to get my credit report corrected.
Consumer complaint received 2020-02-25
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: Experian Information Solutions Inc. (GA)

My credit report is showing accounts that are not mine, I have investigate and it says that the first step to report identity theft is to file this report, the accounts that are not mine are in this report. 
Please remove these account and send me an updated copy of my credit report for inspection.
Consumer complaint received 2020-02-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

I received a letter from Select Portfolio Servicing saying effective XX/XX/2019 they would be taking over servicing my mortgage. I was in the process of re-financing, which closed on XX/XX/XXXX. The closing payment was sent to my previous mortgage servicer on XX/XX/XXXX, and they had to wire the amount over to SPS. SPS didn't acknowledge the payoff amount until XX/XX/XXXX, and charged me for the 9 extra days of interest. 

This seems like a clear violation of RESPA, and in the transfer letter sent to me by SPS says : " During the 60-day period following the effective date of the transfer of the mortgage account servicing, an account payment received by your old servicer before its due date may not be treated by the new mortgage account servicer as late, and a late fee may not be imposed on you. '' Although this is not explicitly a " late fee '', they are charging me for extra interest because of the situation of my account being transferred which RESPA is supposed to protect me from.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CO)

Improper credit reporting can have serious consequences for consumers, affecting their ability to secure loans, mortgages, and even job opportunities. Ive discovered inaccurate entries on my credit report, it's crucial to take action. I recently looked at my report on XX/XX/XXXX and noticed some things are incomplete and not accurate. According to the fair credit reporting act, whenever a reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The following accounts are not complete and accurate. 

XXXX XXXX Account number XXXX XXXX Account number XXXX Also, according to 15 USC 1681s-2, A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I notified Experian and XXXX by mail of my only existing name, address, phone number, and XXXX in XXXX of XXXX. 

My Experian report as of XX/XX/XXXX still shows 6 different names ( all of which are incorrect ), 3 different phone numbers ( 2 incorrect ), and employer I do not work for. I have made several attempts to contact Experian by phone since and have not gotten through. 

My XXXX report as of XX/XX/XXXX still shows the wrong Employer. I have made several attempts to reach XXXX by phone sine XXXX of XXXX unsuccessfully.
Consumer complaint received 2020-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I applied for a credit card at the end of XX/XX/XXXX and was denied stating that I did not have a credit report nor a credit score. In late XX/XX/XXXX I attempted to get my free credit reports using the XXXX web site. I was not able to get my credit report online at the time. 

I received a letter from TraunsUnion dated XX/XX/XXXX, requesting documents about my identity. It states that I need to provide two documents in the list below, including a driver 's license or state ID and utility bill. 

The letter also states that electronic documents printed from a website are not acceptable. That can be a problem because every company INCLUDING TransUnion tries to get their customers to use electronic documents when possible. 

About XX/XX/XXXX I sent in a copy of their letter requesting the documents. I included a copy of my driver 's license, a copy of my Social Security card, a recent utility bill, and a copy of my birth certificate. 

At the end of XX/XX/XXXX I received a credit report denial letter dated XX/XX/XXXX. The letter stated that one or more of the documents were not qualifying. It also stated that only one form of proof was provided. The letter requesting documents did not state that there needed to be two forms of proof of address. The letter provides a list and requests two documents from that list. I provided two documents from that list plus extras.
Consumer complaint received 2018-05-08
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Liberty Holdings, LLC (TX)

I had a call from a XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX. That they were sending court order papers if I didnt pay. They called my daughter, employer and other family members. I called back XXXX was rude and I then asked when are you apparently filing what you say, she could never tell me. I called back she hung up on me. I called again and XXXX answered. XXXX said we will be filing, I said ok I'm trying to find out for what and tell me when. She could never tell me either. She said welcome to the real world. I said thank you, yes welcome to the real world. I do not appreciate their phone call to everyone especially my employer. The number they called from was XXXX and XXXX.
Consumer complaint received 2020-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/20 while checking my bank account, I noticed a charge that I did not authorize. There had been the same charges attempted twice in XXXX, but Wells Fargo blocked the attempted charges and alerted me and there was no adverse action against my account. However, on this occasion Wells Fargo honored the charge which left my account with a negative balance for the amount that was honored by Wells Fargo. I filed a dispute with Wells Fargo for the transaction in question. But there were other charges for bills that I authorized that were processed before the fraudulent transaction. I have a linked savings and checking account with Wells Fargo. Although I was reluctant to deposit any funds into my checking account, due to the outstanding fraudulent charge, I deposited an amount that would cover the 2 charges that I did authorize to cover those transactions. Additionally, I deposited a large amount into my savings account expecting that Wells Fargo would reverse the fraudulent charge by the end of the business day. Wells Fargo 's policy regarding linked accounts is that they will cover charges from checking account overages with funds in a linked existing savings account. However, there was no need to enact this policy for my account because around XXXX XXXX on the same date ( XX/XX/20 ) I transferred a large amount from my savings account into my checking account even though the fraudulent charge still appeared, and the issue was not resolved. I did this because I was expecting other bills that I had paid to be presented for processing. On XX/XX/20, my account was charged 2 separate fees of {$35.00} each, totaling {$70.00}. Wells Fargo 's explanation for the assessment of these fees was for insufficient funds in my account when the 2 charges I authorized to be paid were not paid due to the fraudulent charge being honored before those. I feel this is an unfair and predatory banking practice in order to generate revenue for Wells Fargo. Wells Fargo selectively paid and processed this charge to assess fees.
Consumer complaint received 2020-02-25
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. (NV)

I recently started looking into my credit and i see multiple accounts on my credit profile I did not authorize, I believe my information was compromised due to XXXX  data breach. I am asking that these accounts be validated and if you find they truly dont belong to me for them to be deleted
Consumer complaint received 2020-02-25
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)

XXXX XXXX is falsely reporting a delinquent balance of {$3100.00} to XXXX, Experian, and XXXX. I do not owe this debt. I have made several attempts to resolve this issue with XXXX XXXX, XXXX, Experian, and XXXX.
Consumer complaint received 2021-06-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (AZ)

I have no knowledge of this debt belonging to me. Letters have been written to this company requesting proof of debt owed. The company they are claiming to represent is XXXX Bank XXXX XXXX. I have not done business with XXXX XXXX for over 8 years.