davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-23
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SinglePoint GI (PA)

XX/XX/2018 a debt was posted to my credit report by GENERAL REVENUE CORP. There was no prior notice of a debt owed. I was not notified by email, mail or phone. There was no attempt by GENERAL REVENUE to validate that the debt was owed by me. I mailed a written letter to the said creditor with signature service requesting legal debt validation pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), their claim is disputed and validation is requested.
Consumer complaint received 2021-11-30
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. (CA)

I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over XXXX so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2023-03-20
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. (RI)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2018-05-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC (FL)

SourceRM is representing XXXX for an alleged debt they say that I owe. SourceRM failed to provide the Oral Agreement, transcript, that I had with XXXX. XXXX  Breached its contract and that Breach resulted in the alleged debt of {$470.00}.

On dozens of occasions, orally and in writing, I tried to settle this debt to avoid the horrible tactic of this collection agency. They will not remove this inquiry from my credit file and evasively try to get me to pay the debt without removing the alleged debt from my credit file. To be clear, I do not acknowledge the debt and I am merely trying to pay this to debt because it is costing my a lot of money in excessive interest charges from potential lenders.

SourceRM is not operating in accordance with the Fair Credit Reporting Act. As a result of my contentment and possible upcoming legal action, SourceRM is in the process of selling off this debt to wash their hands of the debt vice closing the debt. This company practices and ethics are unethical and a violation of my rights.

Additionally, one Credit Reporting Agency has already removed this debt from my credit file but 2 others are pending.

SourceRm XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX XXXX
Consumer complaint received 2023-03-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

RE : MOHELA servicing. I have important inquiry while I was reviewing my eligibility for public service loan forgiveness, I discovered a mistake on my remaining qualifying payments. My employer, XXXX XXXX XXXX XXXX XXXX. Date of XXXX : XX/XX/2010 My query is why my debts have not been forgiven despite the fact that I have fulfilled all of the prerequisites that are required by the program. its being several month i have not receive a response from them can you please help me resolve this matter?
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NY)

I currently have a late payment reporting from XXXX on XXXX 19,2022 i called Home Depot about this issue which we was wavies on On XXXX 19,2022 however the late payment continues to appear on my credit report i tries to resolve this matter with Homedepot directly but the issue still appears.
Consumer complaint received 2019-07-05
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (IL)

Harris and Harris is continuing to contact me about a debt ( XXXX ) owed by my insurance company to XXXX XXXX . We have had multiple conversations with all parties involved and the insurance company has agreed to pay XXXX and is working out some issues related to overbilling. Harris and Harris continues to call several times a week ( and sometimes several times a day ). They never leave a voicemail identifying themselves or why they are calling.
Consumer complaint received 2023-03-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (NY)

I am an former employee of the XXXX... I was injured XX/XX/2022 with XXXX XXXX XXXX .... while I was out recovering from XXXX XXXX XXXX XXXX, I was wrongfully terminated by the XXXX. My wrongful termination resulted in me accruing overwhelming medical charges on top of already being homeless from being fired.
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-01-03
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. (AZ)

I divorced XXXX, sent all they requested several times. 6 years later they still will not change my name, I am done battling with them XXXX I discovered I was identity thefted since then I have disputed and sent documents and still have done nothing to correct my credit report. 4 years battling. They have ruined me. And I am homeless because if their incompetence.
Consumer complaint received 2019-07-05
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A. (CA)

1. I visited PNC Bank 's website and opened a high-yield savings account on Sunday XX/XX/XXXX. 
2. During the account opening process, the option to link an external account to transfer funds to open the account as available. I linked my XXXX account via providing my online banking credentials, and authorized a transfer of {$50000.00}. The funds were immediately debited from my XXXX account. 
3. On Monday XXXX, I attempted to access my new account with PNC via their XXXX app and on a desktop computer. Both attempts failed and I was not able to reset my online access. 
4. I called PNC and spoke with a representative. She stated that my account was flagged to close because it was not funded. I found this strange because I authorized funding of $ XXXX  from my XXXX account, which had already been debited. She escalated the call to a manager named XXXX XXXX, who confirmed the information and advised that my ACH transfer of $ XXXX  would be refunded. I no longer wanted the account because of the poor account opening experience ; I no longer trust PNC Bank. She gave me a reference number XXXX. In total, this call took 60 minutes of my time. 
5. I waited until the morning of XXXX but still my money hadn't been transferred back. I called PNC in the morning and spoke with a manager named XXXX XXXX, who said that my funds would be transferred back to me by XX/XX/XXXX. She gave me a confirmation number of XXXX. This call took 45 minutes of my time. 
6. I called back at XXXX XXXX  PST after checking my account and finding that my funds still had not been returned. I spoke with XXXX XXXX, who said that ACH refunds should take 1 business day. She tried contacting her ACH department, but found that they were already closed for the day. She advised she would call me back on Monday. this call took 40 minutes of my time. 

I'm failing to understand why it is taking PNC so long to return my funds. They certainly were able to debit it via ACH within 1 business day. It should take the same amount of time to return it. This issue was caused by their own computer/system failure ; this was a bank system error. They have held my funds for a week and I've had to call multiple times, have spoken with multiple people and had to repeat myself each time, and still there is no resolution. Meanwhile, they've held my money and I have not received any interest payments.
Consumer complaint received 2019-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (TX)

Recently CHASE has been doing the most unscrupulous banking tactics that are both unconscionable and unacceptable. 
CHASE has been paying ACH and outstanding checks - as they have done repeatedly, setting past precedence, since my bi-weekly payroll deposits are consistently done. 
However, recently, CHASE has allowed ACH and checks to pay, only to reverse and send back, causing unnecessary charges on both sides. 
This has cost me astronomical charges in the hundreds of dollars!!
Consumer complaint received 2019-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: MicroBilt / PRBC (formerly CL Verify) (MT)

This is a copy of the letter I sent to MicroBilt/PRBC, MicroBilt / PRBC Attn : Consumer Affairs Department XXXX. XXXX XXXX XXXX, GA XXXX To whom it may concern, I am requesting the immediate security freeze on my consumer disclosure report and all other personal information of mine. Under the Fair Reporting Act ( FCRA ) you are required to comply. After this freeze has been filed please send me written confirmation to the address below. 

XXXX XXXX XXXX Social Security Number XXXX Current Home Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Previous Home Address XXXX XXXX   XXXX XXXX, XXXX XXXX Phone Number XXXX I am providing the following documents that verify my identity : 1. Copy of my drivers license 2. Copy of my home utility bill 3. Copy of my United States Passport Respectfully, XXXX XXXX XXXX " MicroBilt/PRBC '' never responded or complied with my request. I will send them the letter again via certified mail.
Consumer complaint received 2019-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (CA)

I opened a dispute with Waypoint Resource Group about a XXXX bill that I never signed up for ( XX/XX/2018 ) - it is possible that a family member used my payment information without my knowledge. 

At this point, I am perfectly willing to pay the ~ {$300.00} to get it off my credit report but every time I call the collection office, their lines are busy and I can't connect or pay through an online portal. 

I would like to negotiate this bill lower due to my lost time in contacting them, and my ( at best ) partial responsibility for the bill.
Consumer complaint received 2018-05-01
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am asking for Capital One to remove to late payments dated XX/XX/XXXX and XX/XX/XXXX off of my credit report due to a humanitarian hardship. I was hospitalized around that time and lost my job for being hospitalized for 4 weeks and unable to work for 2 months. During that hardship time I missed two payments on my Capital One account. Since then I have remained on time with payments and even paying off my account. I had emailed XXXX XXXX the CEO in hopes that he would apply a humanitarian hardship for those 2 months but his assistant called me back and stated that Capital One would not.
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX has violated my rights. 

1

5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-07-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ)

I just called ( XX/XX/19 ) HESAA to inform that I am unable to pay the $ XXXX/month on my loan of {$19000.00} due to me paying other student loans, mortgage payments and other bills. The representative stated she can not change the payment arrangement. Once a payment arrangement is calculated and sent to the consumer no changes can be made. I then asked to speak to a manager and she stated no one was available for me to speak with. This is unacceptable. My loan should be at least reviewed for a lower payment arrangement or a calculation of my income with bills should at least be considered. The way this was handled was unprofessional. I want to pay but can not. if needed I will send {$50.00} just to have something on record each month that I am trying to pay.
Consumer complaint received 2018-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Received letter from Capital One saying my account was closed due to inactivity.

Account was closed onXX/XX/XXXXI received the letter on XX/XX/XXXX The letter is dated on XX/XX/XXXX.

By Capital Bank closing my account they have harmed by credit score and availability to get credit. Since my available credit has gone down it now looks like I am not a good candidate for the best available interest rate to members with A-/B+ status.

They never gave me any warning. Just one letter after the fact since the account was closed by the time I got the letter to reinstate my account.

Abusive on their part. Now they want me to apply for a new credit card with my credit limit being less than the actual XXXX XXXX that I had on the credit card they closed, and with a higher interest than the 9 % the closed account carried. All they had to do was tell me they where going to close my account and give me a chance to charge something to it so I could keep my high available credit and low interest.

I had this account for over 20+ year. Were is loyalty for his company.
Consumer complaint received 2019-07-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (CT)

I have had numerous issues with University Accounting Service ( UAS ) related to them losing my checks or allocating the checks to the wrong months and thus leading to late fees and delinquencies on my credit report. Below are the specific details : - In XXXX and XX/XX/XXXX, two checks that I sent via my bank were lost by UAS or allocated to the wrong account by UAS resulting in late fees and a drop in my credit score. I repeatedly email and called UAS in XX/XX/XXXX and again in XX/XX/XXXX to resolve this issue. I even sent them copies of the cleared checks. 

- In XXXX or XX/XX/XXXX ( it is unclear from their website and with repeated discussions via phone ), another check was lost or allocated to the wrong account. They acknowledged that it was an error from the accounting department. 

- I send an electronic check via my bank account monthly 4-6 days before the due date on the first of every month. Despite, not making any changes in their recurrent payments, the check that was sent on XX/XX/XXXX to pay for the XX/XX/XXXX due date was instead allocated to XXXX. This caused a late payment for XX/XX/XXXX and no deduction of the amount that I already paid for XX/XX/XXXX. 

These are recurring issues with UAS. I have spent over 3 hours total with customer service. They are inept with understanding the issue, demand that I pay on the 1st of  the month rather than 5 days earlier. The amount that I owe nor that amounts that I have already paid are not clear on their website. This makes tracking my payments difficult and I do not trust that their calculation of how much I still owe.
Consumer complaint received 2019-07-05
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WELLS FARGO & COMPANY (CA)

Please see the attached letter. I have told Wells Fargo before in writing to stop calling and to communicate in writing only, yet yesterday on XX/XX/2019 while with my family they could not help it but to communicate. This is a violation of The Do Not Call List, The California Rosenthal ACT ( RFDCPA ) and TCPA 1991. See attached. 

I expect this matter to be settled or I will file a lawsuit.
Consumer complaint received 2020-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Dovenmuehle Mortgage, Inc. (GA)

I want you to know that I understand my financial obligations, and have an excellent repayment record. I requested to explore my loss mitigation options in XXXX to eliminate any financial penalties ( late fees, credit worthiness ) after suffering from an unfortunate and unforeseen life event leaving me with a $ XXXX bill. I was assigned to XXXX XXXX who struggled to communicate the terms of the repayment plan and next steps. I sent a money order by completing instructions from XXXX and signed the repayment agreement. I continuously followed up via phone and email to check status and confirm that everything was properly in place. There were some lapses in communication but I was informed that while my contract and payment was received as agreed Dovenmuehles bank couldnt process the payment and would resend it via traditional mail. I also was informed that money had been sent to me via XXXX XXXX which wasnt correct. I called XXXX several times to understand how to quickly remedy this issue and to advise that I had not received my returned payment. Additionally I specifically inquired about how this would impact me financially ( reporting and fees ) and she stated it would not. If she had responded to questions differently ( accurately ) I would have never entered into this agreement. I emailed to ask how I could pay instantly as I had issues getting a refund for XXXX since it appeared to be processed however I never received a response. To remedy this manner as soon as possible please remove the late payment that was reported. I also do not trust the advisement received from my loss specialist ( XXXX XXXX ) and believe that I deserve counseling from another rep to truly understand the terms of the agreement. I have canceled the repayment plan that I was in compliance with ( & was told this would be the agreement I needed to honor for 12 months ) in order to create a win-win for all involved. I truly believe that the measure does not reflect the accuracy of this situation, my creditworthiness and commitment to repaying my debts. To show my dedication for resolving this issue I provided full payment on XX/XX/2019 to cancel my utilization of the repayment plan. After this traumatic and deceptive experience I believe this company should better train their staff and remove this mark immediately. Remove incorrect mark - this was removed last year and in the past few weeks inaccurately reconverted
Consumer complaint received 2019-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have disputed a XXXX account ending in XXXX on several occasions with XXXX, XXXX, and Experian. Ranging from 2017 up until recently. The account is charged off and the creditor is no longer actively attempting to collect the debt. I recently emailed the Ceo of XXXX to receive confirmation that they are indeed no longer attempting to collect the debt due to the fact that the statute of limitations has expired. Also the company stated that it is the credit bureaus responsibility to remove the delinquent account. XXXX, XXXX, and Experian are not in compliance with the FCRA and are still reporting XXXX on my credit report