davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-14
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. (SC)

I have contacted each credit bureau several times in reference to these accounts on my credit report that I never opened and are not related to me. To date they have not provided me with any verifiable proof of these accounts. All I get back is a simple template letter stating was verified. Here are the accounts in question : 1. XXXX XXXX  Account Number : XXXX 2. XXXX XXXX XXXX XXXX  Account Number : XXXX 3. XXXX XXXX XXXX  Account Number : XXXX 4. XXXX Account Number : XXXX 5. XXXX Account Number : XXXX In accordance with the Fair Credit Act XXXX the Accounts listed in this complaint, have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Act XXXX the information provided below has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-09-25
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: SYNCHRONY FINANCIAL (IL)

Since XX/XX/XXXX, I have been disputing a Care Credit account that has been reported to the credit bureaus as charged off and purchased by another lender. The lender who purchased the account is appearing on my credit report as well.I never communicated with the lender regarding the account. However, I was contacted by a different agency which I resolved the account for {$XXXX} on XXXX XXXX. The credit limit or original amount being reported is {$XXXX}. The credit report still shows the account as charge off. The lender who purchased the account has not reported an update to the account either. So. the account still appears as a outstanding debt. I have been consistently disputing the account by providing the paid letter from the different agency to confirm I have resolved the account. The investigation results always states the information is being reported accurately however it is not. I have contacted the lender who is listed as the purchaser regarding the account being resolved with a different agency and they did not update the account either. When I spoke with the reporting lender they could not provide any information regarding the care credit account. I don ; t understand why they are reporting the account on my credit report but could not provide me with the updated account information. I would like to rectify this issue so my credit report would have accurate information listed.
Consumer complaint received 2019-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I have tried multiple times to have my correct address placed on my credit report and never get anywhere I have lived here in New Mexico for over a year and my old address in Texas which was my parents at the time continues to show and is stopping me from be able to get credit also I have a item of which I was charged a emergency visit showing over eight hundred dollars that's not mine in a state I never been to that they won't remove
Consumer complaint received 2017-05-31
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. (AZ)

In  XXXX   XXXX  my wages were garnished by  XXXX   XXXX   XXXX  on a student loan that is with Navient formerly  XXXX   XXXX . I verified my address but never received any paperwork regarding a court date for wage garnishment nor even a phone call.  <P/> In  XXXX   XXXX  I contacted Navient and they stated that I did qualify for income sensitive payments But I needed to get the loans out of garnishment. So I contacted the  XXXX   XXXX   XXXX  and was told that paperwork would be mailed to me to fill out so that I can get the loan taken out of garnishment. The paperwork never came in the mail as requested and promised.  <P/>  XXXX / XXXX / XXXX  Contacted Navient re getting loan taken out of garnishment and was transferred to  XXXX   XXXX   XXXX  who stated that they are garnishing my checks 15 % of each check. I was offered to pay the balance in full, 85 % of balance owed or  if I had 2 referenced I could go into a repayment program. When I stated that I do not have 2 persona l referenced they stated that I either pay the balance in full or the 85 %. Currently they are taking 30 % of my income a month. As a single parent I can not afford to live. If I work extra hours they take more money.  <P/>  XXXX / XXXX / XXXX  When I called  Navient  back, they took a complaint and stated that they would not notify me of the outcome but I could call the  m back in 7-10 days to find out what was going on with the complaint.
<P/>
I qualify for income sensitive repayment as well as the   XXXX   XXXX   forgiveness program but can not even get the help I need to get into these programs. And everytime I contact   anyone I keep getting transferred to another agency or department.
Consumer complaint received 2021-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

This is my Menard 's Big Card Capital One charge card which I've had for years. 

I remodeled my bathroom in XXXX and made all my purchases in XX/XX/XXXX and put it on their XXXXyear, revolving, XXXX XXXX  interest promotion. 

I have ALWAYS paid the minimum balance due for the revolving account PLUS any purchases I made for the prior month that appeared on my statement. Otherwise, I added the {$56.00} minimum payment due for the revolving account to the total dollar amount of any purchases and that is what I paid every month, thus satisfying the minimum payment due on the revolving account AND paying in full all prior month 's purchases. 

In XX/XX/XXXX, I began paying EXTRA. My intention was that once the revolving payment of {$56.00} was applied, the purchases were paid in full, the EXTRA would be applied to the principal of the revolving account, thus lowering its balance due. However, when I began doing the math, Capital One is NOT applying any extra payments to anything. Every month, my revolving account has been reduced ONLY by {$56.00}, and my purchases for the prior month are paid off in full. However, any extra I paid vanished. From my math, there is {$110.00} EXTRA I have paid to Capital One that has not been applied to anything. 

I have called twice : XX/XX/XXXX, and XX/XX/XXXX. Both Customer Service women have rudely ARGUED with me that the extra was applied to purchases when I had already added the purchase amounts on my statement from the prior month to the minimum revolving charge PLUS sent in extra. How can they apply extra payments to purchases that have NOT been made? How much do they know to apply if the purchases have not been made? 

XXXX : paid {$3.00} extra XXXX : paid {$15.00} extra XXXX : paid XXXX cents extra XXXX : paid {$25.00} extra XXXX : paid {$21.00} extra XXXX : paid {$5.00} extra XXXX : paid {$44.00} extra The extra paid was usually rounding up the amount paid to the next XXXX, XXXX and XXXX or XXXX and XXXX dollars to make things even dollars. Moving forward, I will pay TO THE EXACT XXXX what my statement requires. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX
Consumer complaint received 2017-05-31
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc. (DE)

I received collection notices  from NCB s tating I owe them {$12000.00}. At the bottom of the letter it states they purchased the debt owed from  XXXX . I had a vehicle repossessed by  XXXX  in VA in  XXXX .  NCB i s reporting the debt is a collection owed to them and was opened by me with them in  XXXX   XXXX . This is incorrect! I never opened an account with  NCB  in  XXXX   XXXX . I was living in Delaware in  XXXX   XXXX  and not in Va. This incorrect report of an open outstanding collections of {$12000.00} is being reported negatively on my credit file. It was previously reported by  XXXX  as repossession on my credit file. This has negatively impacted my ability to sustain my credit standing and is preventing me from securing housing. I have disputed it with the credit bureau and with FTC. I just want them to correctly report it on my credit file as it was originally.
Consumer complaint received 2017-05-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (PA)

I called several weeks ago to the collector and gave my l  ast 4 of social security at pont they could not find me. either by social date of birth, name lat name so forth. so I disputed the issue. I then receive from  XXXX  that the collector responded the debt is mine. so today I call and now they can find me under my social and date of birth. that is so weird that they were able to find me now not 3 weeks ago.
<P/>
this company that is collecting the debt I worked for. but my apartment and bills were paid by the company so I do n't know how I owe them any money and I was never notified I did owe them anything at all. They had had my email and my forwarding address and nothing was ever sent to me about any money due.
<P/>
this company I worked for is upset because I quit because the way they treated my fianc. he was an illegal immigrant and they were calling ins on him after he worked for them 8 yrs faithful  ly.
Consumer complaint received 2022-01-10
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: EQUIFAX, INC. (NJ)

I am submitting this complaint because there have been multiple violations against me and I have heard nothing from the credit bureaus and it has been over 45 days. 
As the original creditor only I can validate any debt and I did not validate any debt, Therefore I demand that all violations in dispute on my report must be deleted due to violation of over 45 days and 15 U.S.C. 1692g.
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2017-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

On XXXX XXXX XXXX I called Experian and spoke to XXXX in disputes and advised her that i have reviewed my credit report and the same company is reporting the same account just under a different account number. She was not very helpful and told me that the accounts had been verified. I told the representative that all the information on the items are the same and that they just changed there name to XXXX XXXX from XXXX XXXX. She refused to assist me and said that all the information is correct and was very argumentative rather than helpful. XXXX XXXX XXXX XXXX account number showing is XXXX and XXXX XXXX account number is XXXX. the open dates are the same XXXX/XXXX/XXXX, phone number the same XXXX XXXX XXXX just one use a XXXX XXXX and the other a physical address. I know that this is not correct and can not report the same account under different account numbers. I would immediately need the accounts deleted from my credit profile.
Consumer complaint received 2021-06-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OH)

My name, address, last four of SS # and a valid email address, XXXX, were stolen and used to open a fraudulent PayPal account. Then someone stole a {$5.00} credit PayPal put into the fake account. Now, PayPal says they can not close that fraudulent account but can only " restrict '' it, but they acknowledge that someone could possibly get those restrictions lifted and use the account again. I can not have an account in existence online that stole my identity and could possibly be used to scam people or perpetuate further identity fraud in my name. Please help me to get rid of this account in its entirety on PayPal.
Consumer complaint received 2021-02-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (CT)

XX/XX/XXXX : Received a notification of suspicious activity on our Macy/American Express card ultimately after investigating and reviewing our account statement on XX/XX/XXXX : fraud claim request on the following activity : 1 ) XX/XX/XXXX XXXX {$85.00} 2 ) XX/XX/XXXX XXXX {$130.00} 3 ) XX/XX/XXXX XXXX {$30.00} 4 ) XX/XX/XXXX XXXX XXXX {$14.00} total : {$250.00} XX/XX/XXXX : received letter from macy 's that investigation was underway XX/XX/XXXX : received letter from Macy 's that investigation was completed and all charges and related fees and interest was removed from my account XX/XX/XXXX : received statement that that we owe {$400.00} after contacting the fraud department they only removed {$14.00}. None of the letters showed what they were investigating and we were told on multiple calls we had with them that not to worry about the fees and interest that they would be removed. We are the point now that our score is damaged and a new file needs to be issued for the remaining balance. Your help to escalate this matter and resolve our credit score would greatly be appreciated.
Consumer complaint received 2023-04-10
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-12
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

Fix the mistake on my credit report for XXXX XXXXL within 10 days, or I'll file a complaint with the FTC. Respond within 15 days as required by law, or you may face fines up to {$1000.00}. Don't make me escalate this comply with my request to avoid further action.
Consumer complaint received 2021-02-17
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: SYNCHRONY FINANCIAL (TX)

I have entered into a repayment agreement with Synchrony to satisfy the outstanding balance in 3 monthly payments of {$260.00}. The last payment is due XXXX, 2021. However, the attached information indicates that Synchrony has made errors in the balance owed ( {$1100.00} ) and the amount of the payment due ( {$740.00} ). These errors by Synchrony are being reported to the credit bureaus are they are harming my credit history. 
I have raised them numerous times to Synchrony.
Consumer complaint received 2017-01-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (MD)

SunTrust violates Section XXXX of the Federal Trade Commission Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ) by engaging in unfair billing practices related to incoming wire transfers. SunTrust disclosures do not fully inform customers of the {$15.00} incoming wire transfer fee and marketing materials furnished to the consumer on account opening do not disclose the service fee. 

On XXXX XXXX, 2016, SunTrust charged my checking account a {$15.00} service fee for a domestic, incoming wire transfer ( Fedwire ). The size of this service fee is excessive, causes substantial injury to consumers, is not outweighed by the benefit to consumers, and the consumer can not reasonably avoid the injury. 

The consumer can not avoid injury because they are not made aware of the service fee ahead of time and SunTrust exercises complete discretion is setting the charge. Please see the bank 's email message to me ( attached ). SunTrust writes, " All service charges depend on banks [ sic ] discretion. '' Allowing SunTrust to impose charges based its " discretion '' is arbitrary and capricious and unfair to consumers - particularly when that discretion is not clearly communicated to consumers in marketing materials and annual disclosure statements. Additionally, such discretion increases the risk of disparate impact and illegal discrimination. 

Please investigate SunTrust for violations of Section XXXX of the FTC Act as it relates to " discretionary '' service fees charged to checking accounts.
Consumer complaint received 2016-01-05
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CA)

Approximately 10 montha ago I purchased a Chrysler 200 C. Recently the car has began to completely shut-dowm/stall. This has occurred twice - on the freeway! Most recently, Last Night. XXXX/XXXX/2015 on the XXXX XXXX in the XXXX XXXX XXXX XXXX during rush hour traffic. Several cars nearly crashed into the back of the vehicle and state emergency had to come and remove the car from the freeway. The car has been taken to a dealership and they claim there is nothing wrong with the car. I spoke to Chrysler capital today and they said they would " file a report and I may or may not hear back from them. '' I am terrified of driving this vehicle - it is clearly not safe. I have easily discovered that XXXX other 200 C owners all across the country are experiencing the identical problem including the nonresponse from Chrysler and its dealers.
Consumer complaint received 2024-02-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I'm asking to fix the disputed items on my credit report, as attempts to verify with the furnisher of information have failed. Credit bureaus must legally update my accounts, but despite disputing and sending letters, the inaccurate information remains uncorrected, violating FCRA provisions. I'm not requesting an investigation ; I demand the entry be corrected entirely, as there's no proof of its existence and the reported information is not verifiable.
Consumer complaint received 2021-06-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (OK)

This is not the first time and I am sure will not be the last time that the additional funds I have requested be made to principal are held by Wells Fargo in an Unapplied Funds Balance Account rather than being applied to my mortgage and thus allows them to charge fraudulent interest. I want them fined for this consistent effort to refuse my additional principal payments so that they may charge more interest for their own business interests. Per the attached documents, it will show how my payment was {$1000.00} and they only applied {$850.00} to my payments which is a significant difference ; this has been going on for the past 3 months accounting for {$550.00} in paid principal that they are charging me compounded interest on! This is not my first complaint with CFPB and I hope this time you actually protect the consumer rather than allowing a company that has been fined and lost court battles over their fraudulent business practices to continue covering up their fraudulent actions without consequence.
Consumer complaint received 2021-04-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (NC)

XX/XX/XXXX - I signed a settlement agreement with XXXX XXXX. It was agreed {$7600.00} of {$11000.00} owed was acceptable by XXXX XXXX. Monthly payments were made and the final payment was made to XXXX XXXX of {$3700.00} in XX/XX/XXXX. The balance was requested by me and I have an email from XXXX XXXX with the {$3700.00} amount as the balance left to pay. In XXXX, XXXX XXXX did report a charge-off on my account in the amount of {$3400.00}. Since then, I am not exactly when they changed the balance to XXXX and kept the status as charged-off. 

XXXX - I received correspondence from XXXX XXXX XXXX stated that I owed {$3400.00} to LVNV Funding LLC and the original Creditor was XXXX. ( It was XXXX XXXX that I had the account with. I had never received any correspondence with the Creditor name as XXXX. ) They were offering a settlement agreement for me to pay {$1700.00} of the {$3400.00}. LVNV opened a new account in collections with the 3 credit bureaus and a balance of {$3400.00} as of XX/XX/XXXX. They have continued to report 30 days late each month because I refused to settle on an amount that had already been settled with XXXX XXXX. 

XX/XX/XXXX - I received correspondence from Resurgent Capital Services, stating they were verifying the debt and will be servicing the debt for LVNV Funding in the amount of {$3400.00}. 

XX/XX/XXXX - I sent a certified letter to Resurgent Capital Services, explaining that the debt had been settled with XXXX XXXX and the LVNV should be removed from all three credit bureaus. 

XX/XX/XXXX - I received a letter from Resurgent stating they would be looking into my inquiry. 

As of XX/XX/XXXX, I have not heard anything from either Company. However, the LVNV is still on my credit report in collections and they continue to report late each month. 


Thank you for any help you can provide.