davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (LA)

I received a debt collection letter stating that I would be litigated against if I did not pay {$5400.00} by XX/XX/XXXX. This account was closed by the original creditor ( XXXX  XXXX ) without consent or notice. My original credit limit was {$3500.00}. the account was closed by XXXX  XXXX on or about XX/XX/XXXX. XXXX  XXXX continued adding interest charges 1 full year after in the amount of {$5300.00}. I asked for the original accounting document to figure out how the calculations were made and the validity of the account being closed as it was not agreed to and possible fraud was suspected by XXXX XXXX. I was denied my request for any information besides a generic debt validation letter.
Consumer complaint received 2020-12-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

National Credit System XXXX. XXXX  XXXX XXXX, GA XXXX Re : XXXX this company is trying to collet {$10000.00} from some apartment complex named XXXX XXXX XXXX  XXXX XXXX XXXX Located in XXXX XXXX Florida, On XX/XX/2020 I try calling and searching for the apartment complex, it does not exist. i also called the collection company the person who answer was XXXX XXXX XXXX I asked for the phone number of XXXX XXXX XXXX XXXX XXXX XXXX she refused to give that info and said they are not allowed to provide information like a Phone Number for XXXX XXXX XXXX XXXX XXXX XXXX that i need to research by myself, she ask for my personal info. She want me to pay full amount to them and tread me if they send me a package to investigate a Froud this will take months and that the only solution is to pay full amount cause XXXX XXXX XXXX  XXXX XXXX XXXX XXXX company that do not exist ) do not take settlement.
Consumer complaint received 2022-03-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: REGIONS FINANCIAL CORPORATION (FL)

We purchased new HVAC system for our home the end of XXXX and received a loan to cover the new HVAC. Payments started XX/XX/XXXX and monthly amount was {$160.00}. Our account with EnerBank is billing account XXXX. We missed one payment in XX/XX/XXXX ( which we regret ) but could never go and make that payment. They added {$80.00} ( interest fee to the loan ). We also noticed they closed the account ( Credit report ) sometimes during XXXX XXXXXXXX and I know the company was purchased by Regions Bank ( I believe at that time also ). At this time, this account still shows closed under my credit account. 

We have noticed weird things happening to our account throughout the XXXX, this year we set all the payments to go automatically so we would not miss any payment due on XXXX each month. XXXX, XXXX, XXXX payments were made on time automatic withdrawals. 

This month XXXX we received an email that in XXXX ( double the amount would be deducted {$320.00} ), but we owe only {$160.00} each month. I tried to call the company in XXXX when we realized we missed one payment, their system doesn't allow for multiple payments. Their system is very consumer unfriendly. We need someone to look into them and clarify, if this was a loan, or it was a credit card. As I mentioned, things are weird and I believe there should have been more paid off by now, but isn't. Thank you for looking into this. Attached are screenshots to support my complaint. 

XXXX XXXX XXXX, or spouse XXXX XXXX ( XXXX ) P.S. : XXXX was calling about missed payment in XXXX but they did not want to talk to her, since this was under my name. She provided all the information, she got me on the phone to give permission to EnerBank talk to her and the customer service hang up on us in XX/XX/XXXX.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX Account DATE : XX/XX/XXXX ] Reason : [ NEED IT DELETED HAVE NO CLUE OF THIS ACCOUNT ALSO THE HARD INQUIRY ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX
Consumer complaint received 2022-07-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (NY)

Comenity Bank has called me 12 times. I have repeatedly told them i am not the person they are looking for they want to speak to a XXXX. They have said they will take my number out of the file, but keep calling.
Consumer complaint received 2018-08-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Capital Enterprises, Inc. (CA)

Since XXXX XXXX American Capital Enterprises say 's that i owe them {$1900.00}. 
I dont recall any of these accusations. Since XXXX XXXX XXXX XXXX say 's that i owe them {$580.00}. i dont recall any of these accusations either, this has to be identity theft .Because of these situations i cant open a bank account at all.
Consumer complaint received 2018-08-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On or around XX/XX/2018 i have submitted disputes to transunion via certified mail 2 days later they claimed to already verify the debts that is harming me and my credit report with negative information. in the letter i have sent i demanded how they verified the debt belonging to me they have NOT sent me any information under my fcra rights about what there method of MOV was and who reported the information a few days later i have received a letter on dated the exact day of the disputes they received stating they WILL NOT look further into the investigation/disputes that is a validation of my rights to know where and how they have gotten my information from false reports on my credit which is harming me credit files and scores with negative information i will pursue this matter into the court of law if need be below i will attach the form that they have sent me stating the will no long further disputes ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX ) AND ( XXXX XXXX XXXX ) this is a violation under the FCRA 616 disregarding i as the consumers request i demand this matter be taken care of effectively within 15 days! I HAD information come off of BOTH XXXX  and XXXX THAT WAS PROVED INACCURATE IF TRANS UNION WOULD DISPUTE THIS INFORMATION LIKE THEY ARE SUPPOSED TOO IT WOULD ALSO BE REMOVED FROM THEIR SYSTEM I BELIEVE THEY ARE NOT READING MY LETTERS THAT I HAVE SENT WHICH I HAVE COPIES OF AS REQUESTED AND I HAVE THE RETURN RECEIPT AS WHICH THIS HAVE RECEIVED THIS LETTER. ( XXXX XXXX XXXX ) WAS REMOVED FROM ALL FOR BEING INACCURATE EXCEPT THEM BECAUSE THEY DID NOT DISPUTE!
Consumer complaint received 2018-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

disputed account incorrect information XX/XX/XXXX and XX/XX/XXXX. credit agency still is reporting incorrect information on credit profile related to sync account from XX/XX/XXXX. closed date is incorrect/ not available, this important because it affects the times since negative portion of my credit profile. the payment history is incorrect, potential lenders are unable to determine worthiness with out this and Transunion is responsible that all information Is complete and accurate.
Consumer complaint received 2023-07-04
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an adjustment of the following erroneous information on my credit report : 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 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 XXXX XXXX XXXX
Consumer complaint received 2022-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OH)

I am in the PSLF program. I have worked for a qualifying employer for over 20 years. I received a letter saying that my employers are approved, but that I have 0 payments counting toward the 120 payments. The letter states that this is updated using the new waiver guidelines. Also, the alert screen upon log in for the Fedloan website says that if you received a letter after XXXX, ( mine was dated XX/XX/XXXX ) the loan count is correct and updated- which is simply not true.
Consumer complaint received 2019-03-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc ()

I had all but completed a complaint but had to leave the web page to try to find a account number for PayPal which does not exist. I will add a summary here : More than 2 weeks ago I tried to link to my PayPal account a bank account that I could use to transfer money economically and on a timely to basis XXXX. 
I have spent literally hours on the phone - at least XXXX as measured by my IPhone, usually an hour or more hold time, plus as much as an hour sometimes in trying to solve the dilemma. The dilemma revolves around the fact that they don't accept my XXXX phone number ; so, they had me arrange for one of my children 's phones in the US to be used and authenticated, and it has been so authenticated. 
The problem with PayPal is that they will not except my email, as half dozen other firms do, for authentication purposes. They insisted on the phone number. 
Two or three times they ran a series of, security questions, from who knows where. These are not questions that I had submitted answers to. They were questions like, what was the color of my XXXX car ; one possible answer was green and one possible answer was blue. Well I had one of both bought within a month of each other ; XXXX XXXX chance of failure. 
Another time they had someone who didn't speak XXXX, and I couldn't understand her and she couldn't understand me. 
Then there's the issue that I have it son and a grandson with the same name as me, and I think they were asking me their questions about their addresses and so forth. 
For the last 10 days I kept calling back because they were telling me to call back in XXXX to XXXX hours for more security questions. Today, they told me there will not be any more security questions. I am just out of luck. 
Finally, 10 days ago I accepted their suggestion to take out a free debit card from PayPal in order to draw out the money. That would not be very convenient, but at least I could get the money out. That was promised within 7 working days which is past, and it's still not been delivered to my forwarding address - much less to me in XXXX.
Consumer complaint received 2018-08-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I am very disappointed of Cfpb and their represanative its a shame and I am disgusted of Cfpb operation you been invented to make sure banks motgsge servicer doesnt cheat and XXXX off consumers instead you are helping these XXXX XXXX cheat mortgage servicer to XXXX  off people and frsudly take peoples home. 
Read the documents I included take action I am not alow SLS monster to take my home SLS is a cheat XXXX XXXX off stop these monsters now I sent their conducts to the FBI and I will Also contact my state attorney and federal court SLS should be shut down they are not and mortgage servicer they are fraud cheat XXXX  who have to be punished for what they done continue doing to people What I sending u is just a small portion I have about 100 pages of how these monsters do business and put people out in the stree read them
Consumer complaint received 2019-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

have a charge on my debit card from Chase Bank i did not make XX/XX/XXXX for XXXX and XXXX, on XX/XX/XXXX received a text about a fraud charge from my bank a failed attempted, talked to them and reported it was not me, at that time I found out they used my card twice the week before, bank replaced the funds and then removed them. talked to the bank on XX/XX/XXXX and they said I have to deal with the vendor which is XXXX and XXXX. Called lowes on XX/XX/XXXX and they said they can not help me. 
,
Consumer complaint received 2022-03-09
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. (NC)

This is XXXX XXXX XXXX and I am sending this complaint to address an inaccurate negative remark on my Experian report. As I reviewed my recent report, I have found an erroneous information reporting on my Experian Credit Report. The payment history is stating that I was 30 days late while It is clear that the status of the account is " current '' not " 30 Days Late ''. I was never late on this account. I've already sent a request to Experian to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : 1. XXXX XXXX Balance {$340.00}
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is XXXX XXXX XXXX and I am sending this complaint to address an inaccurate negative remark on my TransUnion report. As I reviewed my recent report, I have found an erroneous information reporting on my TransUnion Credit Report. The payment history is stating that I was 30 days late while It is clear that the status of the account is " current '' not " 30 Days Late ''. I was never late on this account. I've already sent a request to TransUnion to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXX. XXXX XXXX XXXX {$340.00}
Consumer complaint received 2021-05-10
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2020-07-28
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. (KY)

THERE ARE SEVERAL ALLEGED COLLECTION AND CHARGE OFF ACCOUNTS AS WELL AS UNKNOWN INQUIRIES SHOWING ON MY REPORT TO WHICH I DO NOT RECOGNIZE-PURSUANT TO FCRA XXXX AND XXXX IM DEMANDING THE REMOVAL OF THEM
Consumer complaint received 2018-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sonnenschein Financial Services, Inc. (IL)

I received a letter from the agency for a redlight ticket I paid in XX/XX/2017. They said the check was cashed but applied to another ticket of mine. I asked for proof of the other ticket because I never got anything from the town. Over the weekend we received a letter and a copy of a ticket for a XXXXXXXX XXXX  XXXX from XXXX XXXX Illinois. The letter says here is proof of your other ticket the letter was addressed to me but you can clearly see the ticket isn't mine. When I called to complain XXXX she said they were in there right to mail out the ticket and letter to me for Mr XXXX. I shouldn't have to pay someone elses ticket and it should have never been mailed to me at all
Consumer complaint received 2022-03-09
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. (MO)

This complaint to Experian result of their non-compliance to my request and for their refusal of getting the accounts and inquiries, listed below, to be removed or corrected from my credit reports. However, that complaint was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these accounts and inquiries or have Experian get back to me with regards to the issue. Here are the accounts and inquiries that concern me : XXXX XXXX XXXX XXXXXXXX Balance {$23000.00} XXXX XXXX XXXX Original creditor XXXX XXXX Balance {$95.00} XXXX XXXX XXXX XXXX XXXX Balance {$2500.00} XXXX XXXX XXXXXXXX Balance {$2700.00} XXXX XXXX XXXX XXXXXXXX Balance {$15000.00} XXXX XXXX XXXXXXXX Balance {$3900.00} XXXX XXXX Inquired on XXXXXX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX  Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry Date XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2020-07-31
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. (IN)

I have tried to fix an error on my credit report, and Transunion has done nothing but make it worse. Upon their " investigation '' they not only claim everything is " right '' while at the same time adding new incorrect addresses to my Credit profile. They're addressing the wrong name and now I'm concerned they are going to start mailing non-public information to some of these new addresses. After 5 phone calls, faxing information, and mailing information, they still are not grasping their error. The error is completely on the Transunion side as no other credit furnishers are reporting this information. They have combined my social with someone else 's name and credit information.
Consumer complaint received 2022-03-09
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. (CT)

The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$380.00} XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX XXXX CT XXXX
Consumer complaint received 2018-08-13
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. (GA)

This Collection is incorrect and is not mine I do not owe and medical bills! I once disputed this and received a letter from the company that they sent it back to the original creditor and would be deleted off my report and shortly after it was taken off it was put right back on. I have submitted proof and they are still reporting which is causing my score to keep dropping every time they put it on there! It is reporting on XXXX  and Experian. 

This collection needs to be deleted immediately and they need to cease contact with me and my report as this is violation on their behalves.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have submitted multiple disputes do not recall each date submitted but i have sent certified letters and emails, my letter was completely disregarded with no action, they will remove the record then report it again i also have the same record listed 2 times on my credit report.