davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

This is in reference to 2 payments made online with Navient. I made a payment of {$160.00} on XX/XX/XXXX and {$27.00} previously. I received email confirmation saying payment was received. A few weeks later I am getting notices saying my payment is late, its going to collections etc. I logged on to find that Navient had reversed my payments. No explanation why. Upon research I discovered that many people are experiencing this. 

This morning I called Navient. Of course theres longer than usual wait times as well as having to make an appointment to speak with someone later in the week. 

In the past Navient has charged a fee to make a payment over the phone. 
Also, its unjust that my credit is being affected due to their mishandling of funds.
Consumer complaint received 2018-02-02
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: EQUIFAX, INC. (UT)

These accounts have been established fraudulently without my consent, I have kept disputing these accounts with Equifax, XXXX  and XXXX. To this day I have not received any verification these accounts are mine. I request they be REMOVED IMMEDIATELY FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Consumer complaint received 2018-10-22
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc. (MI)

I terminated my lease with GM Financial on XX/XX/2018. I received a bill on XX/XX/2018 for " remaining contractual charges ''. I contacted GM Financial by letter on XX/XX/2018 disputing a charge of {$150.00} and late charge fees. I requested validation of these charges and never heard back. They only continued to send bills. I contacted GM Financial again by letter on XX/XX/2018 requesting validation for a 2nd time and never heard back from them within more than 30 days. They are now reporting 90-119 days late on my credit reports even though this lease was terminated in XXXX. I am attaching all letters that I sent to them which began in XXXX ( XX/XX/2018 ). They never responded to any of my correspondence. I received a call from a representative last week and she only asked if I was willing to set up a payment arrangement, but did not acknowledge any of my correspondence until I brought it up. Regardless they did not ever respond back to me in a timely manner. I am attaching all letters that I have sent to them with proof of delivery.
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The Transunion Vantage 3.0 score never lines up with the actual FICO score or even closely relates to what a lender 's scoring model produces using FICO. I find the Vantage 3.0 score to be arbitrary. I just checked my FICO score and it's a full XXXX points higher which actually equates to a higher credit bracket than my Vantage Score says would. I think the Transunion model needs to be investigated. I have cancelled my service with them on the basis that I believe these practices are deceptive in nature.
Consumer complaint received 2022-03-11
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)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am a victim of identity theft and I have no knowledge of or have ever been connected to the following information : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, FL XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX I signed up for the Chase Southwest Rapid Rewards Premier Card under a promotional offer for XXXX bonus points as long as {$2000.00} or more was spent during the first three months. On XX/XX/XXXX I was approved for a card. The promotional offer was being run for the entire month of XX/XX/XXXX ( a cursory internet search confirms this -- > XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I spent over the required limit within those three months and assumed that my points were accurately credited. Today, XX/XX/XXXX, I checked my points balance for the first time in the process of attempting to book a flight using points, and realized I only received XXXX points. I am a XXXX XXXX and traveling is something I do infrequently which is why I had n't noticed until now. I called Chase to try and figure out what happened. I was told by both a customer service rep and an account specialist ( AS ) that I was signed up for a different offer ( $ 1000+ spending in three months for XXXXpts ) and that I was not entitled to the XXXX points. I specifically signed up for this card for the XXXXpts offer being run ; the website promotional banners on the page at the time indicated that I the card I was signing up for had a XXXXpts promotion. The AS confirmed that the special was being run during the time I signed up for my card but that it was " past the 90 days to change the offer attached to the card ''. I asked the AS why I would intentionally choose to receive half the points if : ( 1 ) I spent enough to qualify for the larger offer and ( 2 ) if the XXXX point offer was even being run at the time since their was a better deal available. The AS said that unless I had screenshots of the sign-up page from the time I signed-up ( Who would even do that? ) there 's nothing to be done and I will not get a different answer from anyone else.
Consumer complaint received 2018-10-22
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (NC)

I HAVE BEEN RECEIVING CALLS EVERY DAY SINCE XX/XX/2018, I REQUESTED THE ON EVERY CALL TO CEASED AND DECEASED PHON CALLS ACCORDINLY TO THE RIGHTS BY FDCPA. PREVIUSLY I REQUEST THEM TO STOP THE CALLS AS WELL.
Consumer complaint received 2019-01-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

On XX/XX/2018, I received a response from TransUnion about a dispute I had with them involving verification on two accounts listed on my credit report. I am demanding that they inform me of how they have verified these erroneous reporting accounts as this is an act of defamation of my character and demonstrates an act of supporting identity fraud. I have included their response in this complaint which proves they showed me no verification of these two erroneous reporting accounts.
Consumer complaint received 2018-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (ME)

I Have tried for months to obtain my PIN. I went to the website, and it doesn't even offer me the questions to try and identify me. They state I must send sensitive information through the mail. I refuse to do this as US mail is not secure. They indicated if I paid a monthly fee, I could get it lifted, and speak to real people. None of this has happened, and I still can not contact a person I understand they had a security breach, and it is of paramount importance that I get a new PIN, or at least my old one so that I can change it. It is impossible to talk to anyone on the phone.

I recently had issues with XXXX, and it was taken care of via their website.

I need my credit thawed, and unfortunately Experian is less than helpful in any matter.
Consumer complaint received 2018-10-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (NV)

On XX/XX/2018 a collection for two bills from XXXX/Capiopartner showed up on my XXXX   Credit Report. The two bills are for XXXX HOSPITAL in Texas. 
The First bill is for {$1200.00} and the second bill is for {$1000.00}. I called the credit collection agency XXXX/Capiopartners to resolve this collection at the following numbers : XXXX they refered me to another phone number XXXX. After 22 minutes of waiting and being transfered around I finally got a person who said she could not help me. I filed a dispute with XXXX  twice. They received a confirmation back from XXXX/Capiopartner that the information was correct and these two bills from XXXX HOSPITAL were correct. I do not know XXXX HOSPITAL and have never been to that hospital. This is not my debt.
Consumer complaint received 2017-06-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A. (MO)

I made a purchas e with Macy's.com in  middle  XXXX . They not only put an initial authorization hold on my chceckong account ( debit card ) for {$370.00} but they did that a second time and then charged my account when each portion of the order shipped out. I filed a complaint with the Ohio attorney general and the Executives offices called me and offered to refund 50 % of my order after having a sim of {$1000.00} on hold that I had not authorized in my account for approximately 14 days. I was advised that they would be sending me out a gift card for the initial purchase, as I returned most of the stuff on the order. I called today and found that there is still a {$370.00} authorization hold on my debit card and they are refusing to send out the card because the rep did not notate the account properly when they promised me the card. This same situation happened to me in  XXXX . I no longer have documentation however the Ohio attorney general does.     I want them sanctioned, and I want what was promised to me as well as the hold removed from my debit card. This has been going on  for 9 weeks and they still have not fixed the problem but heir Compliance person the responded to the complaint lied to the  Attorney General.
Consumer complaint received 2018-05-07
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: HEARTLAND PAYMENT SYSTEMS INC (LA)

Our company sold merchandise to a person who may have used a fraudulent credit card. 
XXXX XXXX, the credit card processor, tried to withdraw {$3200.00} from our account as a chargeback. After I called them, they said they were going to send us a notice. We had run the charge on their machine, and gotten a copy of the purchaser 's credit card and driver 's license, which we sent to them.
Consumer complaint received 2018-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXX has failed to provide validation/verification for negative inquire showing on credit reports. I have sent correspondence via certified mail and a reply has gone unanswered. I expect creditor to remove entry from credit report for not answering certified mail. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Alabama XXXX
Consumer complaint received 2018-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (AZ)

original billing was with XXXX I told them to cancel long before billing I sent them notice they billed me anyway now the bill is in collection with a company out of XXXX not licensed in XXXX
Consumer complaint received 2018-10-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC (DC)

XXXX XXXX recently became the servicer for my perkins loan from XXXX University. I am eligible for cancellation of my perkins loan due to my employment as a XXXX. Through my prior servicer I had several years of service and portions of my perkins loan were properly cancelled. I submitted a new request to Heartland and received no response. I followed up with Heartland and they indicated they had denied the request because the employer stamp or seal did not include the employer 's address, although the employer routinely uses this seal and the employer 's address is listed above on the form. No requirement that the stamp or seal include an employer address is listed anywhere on the cancellation form. Further, despite XXXX 's assertion, I received no notification of any problem with the request, by email or by mail. I would be interested to know how many cancellation requests are improperly denied simply because the corporate seal does not include an address - something most corporate seals do not include.
Consumer complaint received 2017-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: DISCOVER BANK (AL)

CHAPTER XXXX WAS FILED XX/XX/XXXX AND WAS DISCHARGED AFTER COMPLETING PAYMENTS ON XX/XX/XXXX.  APPROXIMATELY 2 MONTHS AFTER THE DISCHARGE, I STARTED RECEIVING HARASSING PHONE CALLS AND LETTERS FROM XXXX XXXX XXXX XXXX, XXXX XXXX DEMANDING I OWE AND MUST PAY A DEBT OF {$5200.00} FROM DISCOVER CREDIT CARD. I MAILED XXXX AND DISCOVER COPIES OF THE FILED CLAIM FOR DISCOVER AND THE LETTER OF DISCHARGE. I HAVE CONTACTED THE ATTORNEY WHO HANDLE MY CHAPTER XXXX CASE AND HIS ASST TOLD ME THIS IS NOT AN ACCURATE ATTEMPT TO COLLECT. SHE STATED I HAVE SETTLED WITH DISCOVER AND THIS IS A THIRD PARTY COLLECTOR FALSELY ATTEMPTING TO COLLECT. THERE IS NO RECORD ON MY CREDIT REPORT TO DATE ( XXXX XXXX ) SHOWING ANY HARD COPIES OTHER THAN THE HISTORY OF THE CHAPTER XXXX, IN FACT IT LISTS DISCOVER AS A XXXX BALANCE AND ACCOUNT CLOSED. I AM TIRED OF BEING HARASSED BY XXXX AND THE UNDUE STRESS AND ANXIETY THEY ARE CAUSING ME IS UNNECESSARY.
Consumer complaint received 2022-07-10
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: OneMain Finance Corporation (CA)

XXXX contacted about collecting a debt that I have already paid. They served me by Certified Mail, on XX/XX/XXXX ( Date received ) of an account which they planned to accelerate. The actual date of the letter is ( XX/XX/XXXX ) and the debt is identified as Loan # XXXXXXXX. I do not have any responsibility for the debt youre trying to collect. I have already paid this loan off with the original lender in XXXX of XXXX. 

The account is already settled, already paid. American General Finance ( Loan No. XXXX ) was paid by XXXX XXXX XXXX XXXX on XX/XX/XXXX in a refinance of my home loan. ( Loan No. XXXX ) Payoff to American General ( {$48000.00} ) per ( Escrow # XXXXX ) Funds were over-nighted XXXX XXXXXXXX to American General. Deed of Reconveyance recorded XXXX XXXX of XXXX CA. 

After they re-aged the debt, attempted a foreclosure on a property they had no legal right to, pressured us by attempting a Trustee Sale, I had to pay late payments, your attorney fees, and foreclosure costs for a debt Ive already paid which violates California Code, Code of Civil Procedure - CCP 726 ( a ), There can be but one form of action for the recovery of any debt or the enforcement of any right secured by mortgage upon real property or an estate How does this madness end? 

Even if I owed this, this Debt would be time-barred by now. It is well-established that it is a violation of the FDCPA ( Fair Debt Collection Practices Act ) for a debt collector ( including a debt buyer ) to file an action in court to collect on a time-barred debt. It likewise is a clear violation of the FDCPA to threaten to file such an action. Debt collectors, including debt buyers, may violate the law not only if they file an action to collect on time-barred debt, but also if they engage in deception in collecting on time-barred debt. When collectors attempt to recover on debts, in many circumstances, such efforts may convey or imply to consumers that the collectors could sue them if they do not pay. If the debts are time-barred, this message would be false or misleading, because the collectors in fact can not legally file an action against them if they do not pay. Information about the consequences of not paying debts being collected appears to be important to consumers in deciding whether to pay debts and in what order to pay debts. You are violating Federal Law FDCPA : 807 by using false and deceptive representations to force me to action on this debt, especially when I dont owe it.
Consumer complaint received 2019-05-07
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. (MO)

I'm demanding that the 3 major credit bureaus either provide me with some type of signed contract with these companies they are reporting on my credit files, or block, remove / delete them immediately and permanently. During my XXXX it seems that my identity has been compromised and therefore I'm asking for these accounts to be removed, # 1 XXXX XXXX {$290.00}, # 2 XXXX XXXX XXXX {$250.00}, # 3 XXXX XXXX, # 4 XXXX XXXX   {$530.00}
Consumer complaint received 2018-12-06
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. (OK)

Transunion has the following unauthorized inquiries and I wish to have them deleted. XXXX XXXX XXXX  - XX/XX/XXXX. XXXX XXXX- XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX. XXXX XXXX- XX/XX/XXXX. XXXX XXXX- XX/XX/XXXX. XXXX XXXX- XX/XX/XXXX. XXXX XXXX-XX/XX/XXXX. XXXX- XX/XX/XXXX.
Consumer complaint received 2018-10-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Glasser and Glasser, PLC (MD)

In XX/XX/XXXX I was XXXX XXXX after an eight-year term from the military. After which, I fell into debt with XXXX. Late XX/XX/XXXX the account was sold to XXXX, XXXX XXXXGlasser & Glasser PLC XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX ) and they filed a court case against me with the state of Maryland where an affidavit judgment was entered in their favor because I was never served with the court documents. Nonetheless, early XX/XX/XXXX, I received a letter and numerous phone calls on behalf of XXXX from Glasser and Glasser, P.L.C ( XXXX XXXX  XXXX, XXXX, VA XXXX ), a collection agency, regarding the debt for approximately {$8000.00}. After numerous calls, we agreed that if I were able to pay {$3000.00}, they would render my account paid in full. 

On XX/XX/XXXX, I made a payment of {$3000.00}, received a confirmation letter and assumed the case had been closed ( see attached ). 

Apparently, they never closed, updated or notified XXXX or the credit bureau of my payments. On XX/XX/XXXX, I received another letter from Glasser and Glasser regarding the same debt from XXXX, citing a {$7500.00} balance, noting that they had been " authorized to accept {$3700.00} to resolve your above-referenced account if your funds are received in our offices on or before XXXX, XXXX, XXXX ( see attached ). '' I called immediately to dispute the claim and cite the error. However, the representative told me that they were not mistaken and while the payment had been made, I still owed XXXX ( Glasser and Glasser ) the full amount. After a lengthy back and forth ( three phone calls ), I was told that I would be contacted by someone from their department, which never happened. 

Much to my dismay, on Friday, XX/XX/XXXX, I received a thick, white, 11x13, envelope from XXXX ( XXXX XXXX  XXXX, XXXX XXXX, OH XXXX ) which included all of my previous statements ( approx 200+ pages ) with a letter citing the following, " we researched the dispute of liability for the above-referenced account. We found the account and balance to be valid. '' " ... We have forwarded our findings to Attorneys Glasser and Glasser PLC ... '' ( see attached ). 

Additionally, the following day, Saturday, XX/XX/XXXX, I received a similar package ( Manila envelope 11x13, 200+pages ) with all of my statements from ( XXXX XXXX XXXX, XXXX, VA XXXX ). The cover page indicated that I owed {$7600.00} and " ... that interest is accruing at the rate of 10 % per annum. ''
Consumer complaint received 2018-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

THERE ARE INACCURATE INQUIRIES ON MY CREDIT REPORT I HAVE ALREADY DISPUTED WITH THE CREDITORS ADVISING I DID NOT GIVE THEM PERMISSION TO PULL MY CREDIT REPORT. 

XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX   XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XX/XX/2018
Consumer complaint received 2022-03-11
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: CORELOGIC INC (NY)

I Noticed Unauthorized Inquiries On My Credit Report. 

CREDCO XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX