davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (NJ)

I had a judgement against me of XXXX dollars in XX/XX/XXXX, St. of N.J. that was paid.I have requested info from transworld systems via telephone on XXXX around noon with agent named XXXX.I requested : a copy of the original judgement, payment terms, proof of payment records, and payment history. XXXX said it would take around a month to gather this info and forward too me.Today is XXXX and I have not received any info.
Consumer complaint received 2020-11-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc. (IL)

Contacted me with two repeat calls that I did not answer ( did not leave voicemail ). 

I answered on the third call. Asked my name and tried to verify me using an incorrect social security number. 

Would not state the nature of the call or type of company that it was for privacy reasons. Caller stated he was with EOS CCA. 

Tried to indicate the address they had for me - which was not an address I have everhad, but IS an address close to my current location. 

Would not provide any information about why he was calling or what the company was until I would provide social security number.
Consumer complaint received 2018-11-20
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. (MI)

I have been making over payments to my student loans. When submitting the over payment I direct Navient to apply the over payment to my unsubsdised portion of my consolidated loan. Dispite my clear direction and having called twice to address the issue all over payment continue to ignore my direction and split the payment between both the subsidized and unsubidized loans. I plan on attendeding grad school and when the subsidized portion will stop accruing interest so this behavior is actively increasing the cost of borrowing. 

During my most recent payment I took screen shots of my payment during the process and it shows until it is applied it is only payin one loan once revived they split it.
Consumer complaint received 2022-08-17
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: Santander Consumer USA Holdings Inc. (CT)

I have disputed this item on my credit report stating factual errors on my credit report that the credit bureaus has consistently failed to investigate regarding my Chrysler Capitol Acct # XXXX Section 623 ( 5 ) ( A ) says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 
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 Also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-09-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP (IL)

On XX/XX/XXXX I purchased a XXXX XXXX XXXX through XXXX XXXX XXXX XXXX with a contract maturity date of XX/XX/XXXX. On XX/XX/XXXX I signed an Extension Agreement & Amendment Contract with ( AHFC ) for an Extended Maturity Date of XX/XX/XXXX XXXX attached ). 
I completed the mutual Extended Agreement with a 61-month contract maturity on XX/XX/XXXX. After making the final installment payment, XXXX refused to release the vehicle title, stating an additional amount was still due. There were numerous continuing phone conversations regarding this matter and on XX/XX/XXXX, I communicated with XXXX XXXX at XXXX extensively, who sent a detailed payment history. That payment history showed 61 payments were made, however, 2 payments were missing only 59 payments accounted for. The payment history showed missing the following paid installments : XXXX, XXXX check # XXXX PAID {$370.00} ; XXXX, XXXX check # XXXX PAID {$370.00}. TOTAL PAID {$740.00} not accounted on the payment history. 
In addition, for at least 5 years I disputed AHFCs efforts to collect additional payment, as it sent its solicitations through collection agencies : 1 ) XXXX XXXX XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX ; 2 ) XX/XX/XXXX ; 3 ) XX/XX/XXXX. I consistently sent written communications ( attached ) that I strongly dispute the validity of the account balance or any portion thereof regarding XXXX. 
Since XX/XX/XXXX to date, XXXX has refused to release my vehicle title. Although I have attempted to resolve the dispute with this company and its subsequent collection agencies ( attached ), XXXX alleges additional charges are due. 
In Illinois, written contracts including those for auto loans and other installment loans, have a 10-year Statute of Limitations. XXXX XXXX believes that it is above the law and has placed a lien on my vehicle ( Illinois ) title to prevent the transfer of ownership to another party. 
The vehicle in question is 17 years old. Its maintenance issues total over {$4000.00}, well over its current XXXX value and the vehicle must be replaced. 
XXXX has stated that the remaining balance due -- {$330.00} -- is for outstanding payments. To date, those payments still remain due and until they are paid, XXXX will not release the title to her vehicle. 
I recently telephoned AHFC ( XXXX ) on XX/XX/XXXX at XXXX XXXX, and spoke to XXXX XXXX, who stated there is still a balance due of {$330.00} and the title will not be released until it is paid. 
I have included a ( attached ) copy of the BBB which rates AHFC with an F and states the following : Our opinion of what this rating means : We strongly question the companys reliability for reasons such as that they have failed to respond to complaints, their advertising is grossly misleading, they are not in compliance with the laws licensing or registration requirements, their complaints contain especially serious allegations, or the companys industry is known for its fraudulent business practices.
Consumer complaint received 2023-03-09
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. (TX)

XXXX XXXX  is reporting an account with inaccurate late payments that I have been disputing with each credit bureau for quite a while now. 

They are verifying multiple inconsistent inaccurate late payments for XXXX of XXXX, XX/XX/XXXX and XXXX of XXXX. How is it that one bureau reports this account late but the other two report it as on time? If the credit bureaus all get their information from the same place, why are they reporting inconsistently? 

Its clear that no valid investigation was done into the account pertaining to these inaccurate late payments which is against the law and my rights as a consumer to have accurate information on my credit report. These late payments are illegally reporting and I am demanding that they are deleted from reports and that this account is updated as on time as I was never late on this account!
Consumer complaint received 2019-09-14
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. (CA)

My name is XXXX XXXX and I am the victim of fraud, the result of this fraud is 3 unauthorized accounts on my credit report that I did not authorize to be open, and did not apply for. I have filed the necessary legal documents under the FCRA 2009 605 ( b  ) to request Transunion to cease and desist all reporting of these fraudulent accounts. I have also been in contact with the Attorney Generals Office of California XXXX XXXX who I will be sharing correspondents with, along with XXXX XXXX my attorney. 



Again, please cease and desist all reporting of these fraudulent accounts as they were opened by this bank negligently, and fraudulently under fraudulent pretenses. 

The accounts are XXXX XXXXXXXX XXXX {$25000.00}, {$4000.00}, {$4000.00}. 

I have never opened any of these.
Consumer complaint received 2019-01-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO Bank, N.A. (IL)

On XX/XX/18 I went to withdraw my XXXX funds in order to deposit them in my BMO Harris checking account to pay my bills. I was using BMO Harris 's ATM. The ATM gave a display of " This transaction could not be completed at this mentioned '' and gave me a receipt stating that it DID give me my cash. 
I then went to BMO staff and explainedy problem. They stated that I needed to file a " charge dispute '' with XXXX XXXX, as if it was like a purchase at some store. I suggested the count the money in the ATM and see there was an excess of {$740.00}. They wouldn't do it. 
In a nutshell, I made a withdrawal at BMO Harris and did not receive my money. Now BMO Harris has my money and I don't.
Consumer complaint received 2019-09-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AL)

After being denied credit, i pulled my credit report. As i reviewed it i noticed several bogus accounts listed. As such i disputed with the three bureaus. The collector verified the debt. I was never sent any notifucation letters or right to dispute communications from them. I therefore sent a dispute letter i. Accordance with my rights under the FDCPA which was ignored. I then receiveda rougue email from resurgent regarding a supposed account and howto pay. I never gave nor authorized them to use my email. However i respondeand again disputed thisso calleddebt. They did not send the agreement or contract bearing my signature. They sent a one page state, rnt showing an adress i have never lived at. I again notified them of the areas and disputed requiring the copy or original contract oragreement bearing my signature. I also explained i was a vtivtim of identity theft ack a few years ago and need this to file a new report. They have refused to act. This is not my debt, the have willfully ignored and violated the FDCPA and laws. This continued to hurt my credit and inflict damages to me fininacially as well as my reputation.
Consumer complaint received 2020-09-23
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. (TX)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Transunion XXXX. XXXX XXXX XXXX, PA XXXX Attention : XXXX XXXX, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX - Reported balance {$3100.00}, this is not mines. I have attached ID Theft form. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding inquires listed below. This inquiries were not authorized by me and I request removal right now. 
XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX  Acc Inquiry from XX/XX/2020 XXXX  XXXX  Inquiry from XX/XX/2020 XXXX XXXX   Inquiry from XX/XX/2020 XXXX  Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 XXXX  XXXX  Inquiry from XX/XX/2020 XXXX  XXXX  Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX  Acc Inquiry from XX/XX/2020 XXXX XXXX A Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX  Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Consumer complaint received 2018-12-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (MO)

I called Navient on several occasions asking for All of my Monthly statements, but I have not received them. 
Since I didnt receive the statements I got a new loan through XXXX ( not knowing they were owned by Navient ). 
I am looking specifically to : late payments applied, misapplied payments, interest rate offered through XXXX at time of loan acceptance. 
I am No longer able to login to Navient to view my specific past monthly loan history. 
I believe the company has also changed the billing statements to be more confusing to the borrower. Originally, the balance would be listed after each payment, this was changed over the years.
Consumer complaint received 2018-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Medical Data Systems, Inc. (NC)

A collection item with Medical data systems is appearing on my credit report for which Im not responsible the debt was previously deleted in XX/XX/3018 at which time it was being reported by a XXXX XXXX XXXX XXXX and has now reappeared with a different collection number I have never had and contract or contact from the new collection company and the address they report has never been my address I have never lived at XXXX XXXX XXXX ln The debt was previously disputed and removed from file and should be removed again as the company had not provided an itemized bill or proof of service or contract to me
Consumer complaint received 2019-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

After reviewing my c edit report i found two fraudulent sddreseslistedwhich in turn had fraudulent accounts listed. I notified all yhree bureaus and requested thry be removed from my report as they are fraudulent and not mine. They have taken no action and still list the adressesfrom XXXXFL and XXXX AL on my repor causing me harm. Likewise they also refuse to remove unauthorizedaccess and pulls/hitsto mappear on my record. I did not authorize these.
Consumer complaint received 2019-01-15
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. (FL)

On XX/XX/2018, I noticed there is a Bankruptcy Dismissed on my Equifax credit report. On XX/XX/18, I sent Equifax a certified letter which was received by Eqifax and signed for on XX/XX/18, asking Equifax to validate this reporting. On XX/XX/2018, Equifax replied that this reporting Bankruptcy was " obtained from local, state and federal courts though a third party vendor XXXX ''. I have a copy of my XXXX report being frozen, and also a letter from the United States Bankruptcy Court stating that the United States Bankruptcy Court does not transmit or initiate conveyance of data to the credit reporting agencies. This letter further states, " The Court does not report bankruptcies to the credit bureaus and does not get involved in disputes regarding credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not validate the information with the Original Creditor, they must remove said information from the consumers credit file. By stating Equifax verified this information with a third party vendor is a direct violation of FCRA 623 ( a ) ( 5 ) and/or FCRA 609 ( a ) ( 1 ) ( a ).
Consumer complaint received 2019-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX and I am the victim of fraud, the result of this fraud is 3 unauthorized accounts on my credit report that I did not authorize to be open, and did not apply for. I have filed the necessary legal documents under the FCRA 2009 605 ( b ) to request Transunion to cease and desist all reporting of these fraudulent accounts. I have also been in contact with the Attorney Generals Office of California XXXX XXXX who I will be sharing correspondents with, along with XXXX XXXX my attorney. 



Again, please cease and desist all reporting of these fraudulent accounts as they were opened by this bank negligently, and fraudulently under fraudulent pretenses. 

The accounts are XXXX XXXX XXXX {$25000.00}, {$4000.00}, {$4000.00}. 

I have never opened any of these.
Consumer complaint received 2018-12-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (NC)

As of XX/XX/18 HUNTERSWARFIELD is still reporting on my credit report after it has been removed and deleted. Hunters warfield has been reinserted on my credit burea and has to be removed due identity theft. This debt doesnt belong to me and shall be removed under section 609 under fcra.
Consumer complaint received 2021-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BBVA FINANCIAL CORPORATION (CA)

An online gambling site XXXX has charged my card over $ XXXX. In the state of California, online gambling slots gambling is not legal, I made a dispute and was denied. How can an online gambling company be legally allowed to charge credit cards in states that online gambling is not legal.
Consumer complaint received 2019-09-11
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. (IL)

My credit card with XXXX XXXX XXXX ( XXXX XXXX ) expired XX/XX/19 of this year. I called multiple times and requested a new card but was never sent one. This account has not been used since XX/XX/XXXX of this year. This company in XX/XX/XXXX wrongfully reported a past due payment to my credit report which caused my score to drop 96 points. I called customer service and explained to the representative that the late payment was made in error on their behalf especially since they method of making a payment is by your card number and I requested a new card/account number several times due to my previous card expiring in XX/XX/XXXX. During this time ( Around XX/XX/XXXX ) I requested AGAIN for them to send me a new card. I was then given an address and told to write to this address requesting the late payment be removed as it was in fact an error on XXXX XXXX XXXX end. I sent the letter as well as requested the credit bureaus to remove the late payment and have not received a response back from anyone. This is affecting my ability to purchase my home.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-12-20
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: AMERICAN EXPRESS COMPANY (VA)

I applied for an American Express XXXX XXXX card on XX/XX/XXXX. I thought I used my referral link to receive XXXX XXXX points ( in addition to the sign up bonus of XXXX after {$4000.00} in spending in the first 3 months ), but upon calling American Express on XX/XX/XXXX and XX/XX/XXXX, was told that the referral link was not attached to my application. They said they could not manually add it. My referral link that I believe I used is http XXXX XXXX XXXX On XX/XX/XXXX I asked to speak to a manager and was told they could do nothing for me.