davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-16
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. (MD)

I currently have a personal loan with XXXX XXXX for {$3200.00}, as of XXXX XXXX, 2020, my credit report showed a new balance of {$340000.00}!!!! XXXX XXXX XXXX, XXXX XXXX and XXXX DOLLARS. the Representative I spoke with at XXXX XXXX on XXXX XXXX, 2020 advised there was a computer glitch and XXXX XXXX caught the glitch that disseminated erroneous balance information to the credit bureaus and within 48 hours my credit report should reflect the correct loan amount. 

My credit has already taken a hit and I am puzzled as to how a glitch can make a {$300000.00} error!!! PLEASE Help me. 

XXXX XXXX did not email me, did not have any messages on their website nor any social media messages. I found out about the error by checking my Transunion Credit Report on my own accord.
Consumer complaint received 2019-10-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MA)

1 ) Student loan is not mine, per se. it's a loan i co-signed for.

2 ) She fell behind and called to have the debt deferred. It was deferred.

3 ) They emailed me, and told me she was behind. She told me it was deferred so there should be no issue.

4 ) They would not give me any information when I asked for details on the loan. Said they could not through email ; I insisted that they do it through email a ) for proof b ) they already gave me the account number, why not the amount?

5 ) They were harassing. Called 3 times within 5 minutes.

6 ) Once I threatened going to a lawyer and filing a claim, miraculously they were able to send me secured email with the information.

7 ) I paid on the loan that I co-signed as soon as i had the information - they could've received their money a lot sooner if they just gave me the information. NOT MY FAULT!
Consumer complaint received 2019-10-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (NY)

I have a debt through this company in the amount of {$770.00} from XXXX XXXX   from 2014. I dont recall ever going to a physician called XXXX and if I did, I had insurance that covered everything. This debt has not been validated even with multiples letters being sent to the collection agency.
Consumer complaint received 2019-10-02
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. (NY)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME, PLEASE INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT FOR THEY HAVE TARNISHED MY CREDIT FILE AND NAME. THESE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT.
Consumer complaint received 2019-10-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION (CO)

I missed a phone call from Sallie Mae. Instead of them calling my co-signer they called two family members whose phone number I never provided. My account manager admitted she went through a third party find people connected to me to contact. She told the family members she was calling from Sallie Mae. I never expressed any permission for Sallie Mae to these phone numbers
Consumer complaint received 2024-03-25
Product: Credit 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: BARCLAYS BANK DELAWARE (MS)

I made a one-time purchase through XXXX XXXX XXXX. I paid my CC for my one-time shipment. A second shipment was received and a second charge was posted to my account. Tried calling company to get and XXXX to return unauthorized merchandise. They refused to cooperate. Filed dispute with CC company. CC company cancelled my card and issued a new card because of the dispute. Then CC company allowed the disputed company to charge a fee to my new credit card for a new shipment that I did not place. They are also making it very difficult for us to dispute the charges from the fraudulent company. Barclay 's Credit Card company will not allow me to speak with a manager. Their customer service employees are very rude and unwilling to help resolve the dispute. Every male customer service person we speak with is foreign and says their name is either XXXX or XXXX, but not the XXXX or XXXX we spoke with before. They say they have no way of knowing which XXXX or XXXX we spoke with. They will never let you speak with a manager. They say we can leave a message, but no one ever calls you back. Not only am I being screwed by the fraudulent company, but I am now being screwed by my own credit card company.
Consumer complaint received 2019-10-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (CA)

Thank you for taking this dispute and providing a service to the community. 

I am complaining about Professional Bureau of Collections of Maryland. 

The bottom line is that I disputed the validity of a collection they are placing on my credit report on XX/XX/XXXX. It is for a XXXX  XXXX account. I know I don't owe them money so I asked for an itemization and other proof of debt. What I received was " validation of debt '' paperwork for a XXXX XXXX. I have no kin by the name of XXXX XXXX. This bill is not for me and Professional Bureau of Collections of Maryland as well as XXXX XXXX have failed to prove I have an obligation or a debt owed. 

My husband called the collection agency today and first was hung up on. He then called again and spoke to a manager named XXXX XXXX. The conversation took 30 minutes so I will emphasize the main points and the reason for my complaint. 

XXXX states the dispute was received XX/XX/XXXX. That is 55 days ago. 

Itemization or validity of debt was not provided in 30 days yet collection activities have continued. Furthermore, this account is still on my credit report even though the collector admitted the paperwork is for another individual. 

XXXX wanted more time to get paperwork on this account even though 55 days have passed since they received notification that this debt was disputed and proof of debt was required. 

After a heated conversation, XXXX stated she would e-mail her general manager to remove this from my credit report but refused to send me a letter or an e-mail or pretty much anything to prove she was taking that action. Because the proper steps to ensure validity of this debt have not been taken, and the heavy resistance to get her to comply with the F.D.C.P.A. was portrayed by her, I can no longer take her or her company 's word that the proper steps for the removal of this account will be taken either. Hence why I am filing this complaint. 

One thing I would like to point out. I do not owe this debt, but even if I did, because XXXX XXXX as well as Professional Bureau of Collections of Maryland didn't bill me properly or provide me with correct paperwork when required by law, and definitely not in a timely fashion, how can they claim that I even owe this money or that I was billed for this properly when I was an active client of XXXX  XXXX or that the proper collection procedures were taken for this purported account? At this point even if it was a legitimate account, their gross mishandling of this account would make it so XXXX XXXX as well as their collection agency is attempting to collect this with unclean hands. I demand this be removed from my credit report immediately and that this account be cancelled back to XXXX XXXX as not collectible.
Consumer complaint received 2019-10-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AL)

I contacted the following Bureaus Equifax and XXXX by phone advising them of unauthorized inquiries on my credit report. They both failed to correct the matter. The inquiries are from a " miscellaneous source '' and they informed me I have to find out about the inquiries and track the companies down. My score are affected by this and in compliance with the FCRA I have a right by law for this matter to be corrected. I'm also interested in speaking with an attorney and moving forward with a lawsuit if this matter can not be resolved expeditiously.
Consumer complaint received 2022-03-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY (NV)

secure american express employees have been holding over five hundred dollars of my money now for over a month and every time i try to call them i get hung up or placed on hold and when i finally get someone on the phone they say they have not gotten my documents when i have emailed them to them twice and faxed it once and also had technical support upload them once for me yet they continue to say they have not recieved them. and when i originally contacted them about the issue when the charges were still pending they wouldnt stop the charges from going through and now im struggling to get my money back and keep being mistreated and ignored and lied to by the staff.
Consumer complaint received 2019-05-08
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. (IL)

Equifax ; XXXX and XXXXXXXX  are reporting incorrectly the XXXX XXXX  partial account number XXXX on my credit report. ( Please see pages 2 and 3 attached. ) They are reporting a balance on the card that was charged off even though they have sent it to a third party collection agency. This is illegal. I believe that someone fraudulently used my card. I have contacted the bank and they can't give me any information. I previously filed a CFPB against XXXX XXXX XXXX on XXXX reporting that this credit card partial account number XXXX - had been used fraudulently. This card does not belong to me and I never opened this card. I have attached the letter from XXXX of OHIO dated XX/XX/2019 XXXX Account number XXXX - referencing partial account number XXXX. This letter is simply confirming a balance on this account of {$930.00}. There is no confirmation in this letter that this account belongs to me. This incorrect reporting is harming my credit score.
Consumer complaint received 2019-10-02
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A. (NY)

In XXXX of XXXX i worked with Flagstar bank and their closing attorney XXXX XXXX XXXX. part of my closing costs were to cover my school taxes in XXXX with a total of XXXX. I am just discovering now they were unpaid, since my escrow is once again short, the money is still sitting in a trust fund at XXXX XXXX XXXX. My Attorney ( XXXX XXXX ) got a hold of him and he said he would get a check out to me immediately that was on XX/XX/XXXX and i still have yet to receive a check. This is unacceptable as he has had my money for over two years. I contacted the bank since it is their attorney and they said there is nothing they can do. I also would like to add that none of my school taxes have been paid on time for the past two years causing my escrow to become substantially unbalanced and making my monthly payments fluctuate by several hundreds of dollars. In XXXX the XXXX tax was never paid, resulting in a relevey of XXXX the following year ( a fee of XXXX for being late ) in XXXX my school taxes were XXXX and those too were not paid on time resulting in a relevey in XXXX of XXXX ( a fee of XXXX for being late ). I also contacted my bank about getting this straightened out and they said if they dont receive a bill they dont pay it. this is not a very good practice, taxes are paid yearly, and as my mortgage lender they need to assume the responsibility of paying my taxes on time to avoid the fees. I am filing a complaint to get better results with this issue and to find out who will be paying the late fees since this shouldnt be my problem because it wasnt my mistake.
Consumer complaint received 2023-06-13
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 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 15 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( 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 2019-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Santander Consumer USA Holdings Inc. (FL)

I reviewed my credit report & see this company ran my credit without my authorization! Ive never heard of this company! Nor did I authorize or apply for anything with them!
Consumer complaint received 2019-04-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (FL)

I started working with Loandepot for the purchase of my first home, everything was great, I was prequalified on XX/XX/2019. I started looking at houses, condos, and townhomes right after my pre qualification, on Monday XX/XX/XXXX I submitted my offer and it was accepted. Later that day, After speaking to the loan officer that originally provided my pre qualification, I was advised by her that my file/application would be transferred to a local loan officer since I was going to be receiving down payment assistance thru a county program and she can not help with that type of assistance offered. No one from the local office has been in contact with me, I have called multiple times since XXXX, XXXX, XXXX, XXXX and left voicemails and no one has had the decency to return my call. I drove to the local office today located at XXXX XXXX XXXX XXXX # XXXX, XXXX, FL XXXX and there was no one there to help and the door was locked. My closing is scheduled for XXXX and we havent even gotten far.
Consumer complaint received 2019-05-08
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

This account is mine. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove. Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary
Consumer complaint received 2019-10-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BlueChip Financial (OH)

There was an spotloan account opened underr my personal identification. I have never intitiated an account with spotloan and XXXX keeps trying to force me to pay on an account that was opened in my name but it isn't mine. I don't have a XXXX account. Nor have i had one and got a spotloan account. I never requested a loan from spotloan. XXXX bought a account from spotloan. XXXX can contact XXXX   if they want but i never opened a account and requested a spotloan. This needs to be removed immediately. XXXX will not tall ro me about a non existent account. Feel free to contact XXXX.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AAA Auto Title Loans, LLC (TX)

My complaint is related to the following information shown in my XXXX credit report for a loan from Cash 1 : 1 account recently reported as late These accounts were reported as late on your most recent XXXX credit report. 

CASH 1XXXX Balance updated : XX/XX/XXXX Past due amount : {$230.00} Balance details 0 % paid off Balance {$3000.00} Balance updated XX/XX/XXXX Original balance {$1200.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Unsecured Payment summary 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 PAYMENT HISTORY LEGEND Status Open. {$230.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$230.00} Original balance {$1200.00} Monthly payment {$230.00}! 
Refinancing could lower your monthly payment. 

Additional info Responsibility Individual Terms 13 Months Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Phone number ( XXXX ) XXXX Basically, this was a 13 month loan that I defaulted on. The issue is that after 3 years and 9 months, several years after the term of the loan, Cash1 continues to report it on my credit report at XXXX as a late payment every month as an active loan. This unethical reporting practice would result in the loan being on my credit report for 14 years, not 7 years. I tried to work something out with this company in XXXX but they were unwilling to assist in any kind of way other than threats, despite having had multiple loans with them in the past that were always paid in full. What they are doing with this unethical reporting is distinctive of a predatory lender. Further, I will not pay there {$2000.00} in interest or fines on a XXXX loan, another sign of there predatory practices.
Consumer complaint received 2020-12-16
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: JPMORGAN CHASE & CO. (FL)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX XXXX, XXXX XXXX, onXX/XX/2019, XXXX XXXX-NY and on XX/XX/2019, XXXX - XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-12-16
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: EQUIFAX, INC. (FL)

I am writing this letter in order to inform you officially about identity theft. I had a good credit, limited debt, and paid most or all of my accounts on time. I have always been very responsible about my credit. I do not recognize these accounts in my credit report now. The fact that numerous accounts are suddenly on my credit should make it obvious that these accounts are not mine and never were. Please remove these accounts from my credit report.
Consumer complaint received 2020-12-16
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. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score
Consumer complaint received 2024-03-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ARVEST BANK GROUP, INC. (OK)

my account at Arvest Bank In XXXX, XXXX XXXX was closed without evidence of the accusation provided to me and the notice I received on Monday had no clear explanation. the letter instructed my not to attempt to open any at Arvest and I am told thru a rep at the back that it was for multiple risks but no one can tell me what the risks are and allow me a chance to state my case. my case being i tried to use XXXX  for my bill pay but it wasn { t working so without i had to do a few transfers in and out of the account. There was nothing nefarious going on so I thought nothing of it. This may be the multiple risks they were speaking but no one has given me a chance to speak for myself. I try to be a righteous and upstanding citizen and very upset that my name can be disparaged this way. It appears to be some type of discrimination as well as typecasting
Consumer complaint received 2019-10-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NJ)

I have an obviously fraudulent loan that was taken out in my name. Through the course of a year Navient has refused to make right the situation despite hours of discussion, police reports, affidavits, and missing documentation. I requested the loan origination documentation which lacked several key pieces of information. I then requested chain of custody, and it has never been provided. I have been constantly harassed with robo calls, spent countless hours on the phone and have received threatening letters from this company. They could not provide satisfactory reasons why my fraud claim was not found in my favor. They repeatedly requested the same documents over and over while taking months to respond. All the while their debt collection team would respond daily about my account. I said in writing multiple times I did not want further communication with the debt collection team, they ignored me. This company is unprofessional at best.