davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-02
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. (LA)

XXXX and Transunion are reporting incorrectly that I am 60 days past due on the XXXX XXXX - partial account number XXXX. ( Please see page 2 of the attached credit report ). This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2023-01-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP (NV)

" XXXX XXXX XXXX XXXX '' ( the creditor ) apparently rented property to someone with the same name as I or someone purporting to be me in the past. The creditor won a court judgement against my namesake on XX/XX/XXXX for {$8000.00}. During the period the property was rented, I lived & worked overseas on a foreign employment contract. I filed my taxes from abroad and the contract is well documented. I have no relationship with the creditor, have not lived in California since XXXX, and never in XXXX XXXX County. The creditor used a law firm named XXXX, XXXX, & XXXX XXXX to contact me about the debt. They allege I owe {$12000.00} due to accrued interest. I contacted the law firm and told them the debt is not mine. They refuse to provide any evidence of the individual using my name who rented the property, including driver 's license copy, social security number, and signed lease agreement. Someone either stole my identity or the creditor and their law firm have the wrong person with whom I share a name.
Consumer complaint received 2019-04-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BB&T CORPORATION (MN)

On XX/XX/XXXX of this year I made my XXXX payment for a XXXX ( this I admit was a few days late ) On this date I also made the payment for the next month ( Due XX/XX/XXXX ) On XX/XX/XXXX I then noticed that I was charged late fees for that month which was already made. I looked on my account and they applied my XXXX payment as a principal payment instead of toward the payment due. I emailed them and called them and they assured me it would be fixed. I then made my XXXX payment on XX/XX/XXXX ( due the XXXX ) and just saw late fees again and saw that they NEVER fixed the XXXX Payment made to a principal payment. 

Called again today and they are refusing to fix this.
Consumer complaint received 2019-04-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Works & Lentz, Inc (OK)

NEVER RECIEVED A LETTER OR A CALL ABOUT THIS DEBT WORKS AND LENTZ RECIEVED AND I KNOW THEY HAVE MY INFORMANTION BECUASE I WAS EMPLOYEED FOR ALMOST 3 YEARS I GOT FIRED  DUE TO BEING XXXX HAD LOST MY VOICE MY BOSS KNEW I WAS XXXX I GOT FIRED BECUASE I COULDNT TALK ON THE PHONE TO LET THEM KNOW THAT I COULDNT MAKE IT TO WORK I SENT A TEXT MSG I CANT CALL IF I HAVE NO VOICE TO SPEAK
Consumer complaint received 2019-04-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES (TX)

I have sent in a complaint qith them all together last year, yall told me it could take up to 2 years, now they are putting it on my credit.i cant even get a job eith my degree. Still unemployed. Frustrated and broke
Consumer complaint received 2019-04-02
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: ALLY FINANCIAL INC. (AZ)

XX/XX/2018 XXXX XXXX in XXXX Arizona tried running my credit when I did not authorize them to. I was attempting to purchase a car from them. But the payment was to high I left and this hard inquiry has remained.
Consumer complaint received 2019-04-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

A credit investigation form was sent to all 3 bureaus and came back verified. I then sent a debt validation request to the collection agency LVNV and to the original Creditor, XXXX   XXXX. LVNV forwarded it to XXXX XXXX who in turn returned the envelope back to me unopened. They are both refusing to provide me with the debt validation information that I am entitled to under the FCRA.
Consumer complaint received 2019-04-13
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. (AZ)

see incoming XXXX of cow XXXX from all bureaus. All accounts are updated " with disputes '' claiming they will be removed >XX/XX/XXXX. 

Disputed accounts were opened in XX/XX/XXXX or earlier AND CAN NOT BY LAW BE POSTED UNDER ANY FILE beyond XX/XX/XXXX. I formally demand all bureaus compliance forthwith- to include TAPE ARCHIVES destroyed of all accounts- all sub accounts- and all associated companies TAPE ARCHIVES and other stored data also be destroyed. 

If accounts are not reporting- then I further can not be lawfully liable -even internally to ANY COMPANY - whether I have had relations in the past or not with said company. XXXX doesnt seem to understand this facet of federal CONSUMER PROTECTION law. I will dare sue XX/XX/XXXX XXXX and XXXX XXXX if they continue to persue debts. This also goes for XXXX and XXXX . I OWE NO ONE- I WILL OWE NO ONE. CAR and house notwithstanding- I should not legally be denied for either- yet I am - based on continued UPDATED SLANDER which no company or bureau will compensate me for. Instead bureaus lower my score in retaliation.
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I have some issues with someone using my name and information to open up accounts cable and utilities. I have addresses on my credit report that are not mine. Never lived at theses address it is possible that they belong to a EX or family member. I have a common name and I am a XXXX. The following addresses need to be deleted they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

XXXX XXXX XXXX XXXX reported inaccurate account balance for account number XXXX on my XXXX, Equifax, and XXXX credit report. I filed a dispute with this bank and the three above credit beaus on XX/XX/19 because I paid this balance in full. Nothing was done and they are still report a balance of {$400.00}.
Consumer complaint received 2019-04-02
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)

XXXX XXXX XXXX XXXX reported inaccurate account balance for account number XXXX on my XXXX, XXXX, and Transunion credit report. I filed a dispute with this bank and the three above credit beaus on XX/XX/19 because I paid this balance in full. Nothing was done and they are still report a balance of {$400.00}.
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX XXXX reported inaccurate account balance for account number XXXX on my Experian, XXXX, and XXXX credit report. I filed a dispute with this bank and the three above credit beaus on XX/XX/19 because I paid this balance in full. Nothing was done and they are still report a balance of {$400.00}.
Consumer complaint received 2022-09-16
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 — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (IL)

The following accounts were charged off and since then the accounts have been repeatedly updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should not include an active payment history. I would like to add this falsely manipulates the statue of limitations. I'm demanding an immediate deletion of the following accounts : XXXX XXXX, XXXX, and TD Bank/ Target. This is a violation of the FCRA and I'm entitled to monetary compensation. I'm asking for the removal of all inquiries as they are not permissible and I haven't given these companies permission to have obtained my credit report : 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 Inquiries that aren't permissible must be deleted off credit reports and don't require an ftc or police report per FCRA.
Consumer complaint received 2019-04-02
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. (MO)

I have disputed the following accounts but the credit reporting agencies did not justify continuing reporting these unauthorized accounts, I'm demanding that this accounts be blocked immediately from my credit report. If not please provide physical certified documentation to support your reporting. The disputed accounts are, ( 1 ) XXXX XXXX XXXX {$0.00}, ( 2 ) XXXX XXXX {$570.00}, ( 3 ) XXXX XXXX {$7600.00}, ( 4 ) XXXXXXXX XXXX XXXX  {$0.00}, ( 5 ) XXXX Finance {$0.00} ... 
Please remove immediately.
Consumer complaint received 2019-04-02
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. (SC)

I have disputed 2 times with Experian, a bankruptcy on my credit report. They have both times dismissed my complaint stating it was " verified '' through XXXX XXXX. My information was suppressed through XXXX as of XX/XX/2018 a year before this suppression request ( I have an email to prove it ) and also I have spoken with the Bankruptcy court who stated that they do not deal with credit reporting agencies and have not spoken to anyone there to " confirm '' an bankruptcy that is showing up on my public record. XXXX  and XXXX have already removed this public record and as of 2 investigations, Experian has failed to remove the public record as required by law. I think someone from that company is committing fraud. I have documentation to support all of my claims and can send it upon request.
Consumer complaint received 2019-04-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/19, we visited the XXXX Branch of Chase Bank where my Grandmother is a customer. She needed to withdraw some money from her account and also add me to her account so I can help manage her finances. We had a printed Power of Attorney that we also needed notarized. The Branch Manager at the location named XXXX XXXX NMLS ID:XXXX was very rude and refused to notarize our document or help add a signer to my Grandmother 's account. He caused a scene in the lobby of the bank. This kind of treatment from a Branch Manager or any employee in general is totally unacceptable. I will also be filing a complaint with his supervisor named XXXX XXXX.
Consumer complaint received 2023-02-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION (AL)

On XX/XX/XXXX at XXXXXXXX XXXX I contacted Truist Bank to pay on an old collection I had forgotten about. After XXXX  attempts to reach the recovery department I called customer service and they were able to patch me thru. They pulled up my account and agreed to a settlement. I gave them my pay by check information and was given a confirmation number and told that I would receive receipt of payment and settlement offer letter to my email within one to two hours. I did not receive receipt of payment or settlement offer by end of day XX/XX/XXXX so I called back and was told it should be coming through. 

On XX/XX/XXXX I spoke to a representative in customer service because I could not reach the recovery department. This customer service agent told me that my debt had been sold to a 3rd party and that the recovery department would not have record and I would need to call the 3rd party agency. She gave me the phone number. I asked to speak to management as I had given my bank account information on Friday XX/XX/XXXX and received a confirmation code.
Consumer complaint received 2019-04-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P. (NY)

I have informed this company many times in the last few years that this is not my bill. From the moment it showed up on my credit report I have tried to make them understand that I was not in the state during the time this bill came due. Credit protection said if I wanted to depute I could so I did. They then told me to drive to Kentucky from New York and file a police report in order for them to stop attempts to collect this debt. As a single mother veteran living off of XXXX I can not afford to do this and my local police department will not allow me to take action here. In the XX/XX/2018 and again in the XX/XX/2018 I contacted the company asking if they would accept a settlement because even though it was not my debt I need it off my credit report and had tried to find a way to take legal action but had come up short. Both times the company said they were unwilling to accept a settlement because I owed the debt and they had to " buy it at full cost. '' The second time I had spoke to the company in the fall I explained again that i was not in the state at the time and asked for validation which I never received.
Consumer complaint received 2019-09-18
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. (FL)

The accounts are not belong to me. I do not know why are they on my credit report. I have never had a business with these company. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
Consumer complaint received 2022-09-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IN)

I am writing in regards to the student loan I held with Navient. In XX/XX/XXXX I consolidated my loans with XXXX and until that time I made my monthly payments to Navient. I contacted Navient to request a refund for payments made from XX/XX/XXXX to XX/XX/XXXX and was told that I was not eligible for a refund due to the loans being FFEL program loans. I was disheartened to learn this information due to the fact that I had never recieved good information regarding obtaining loans and repayment so that I could make an intelligent decision regarding student loans. Had I known moving my loans from Navient to XXXX XXXX would have stopped my payments I would have done so in XXXX of XXXX but I was never given the information or the opportunity. I feel I have been a victim of predatory lending practices and would like my story ( and others similar to mine ) be heard and addressed. I only ask that the monies paid to Navient during the period of XX/XX/XXXX and XX/XX/XXXX be repaid to me. 

Thank you for your time. 
XXXX XXXX
Consumer complaint received 2019-04-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Moria Development, Inc. (GA)

I began working with XXXX XXXX XXXX through the XXXX  XXXX   XXXX  Grant Program. I am an XXXX in the state of Georgia and found out about the XXXX XXXX XXXX grant program online. Once filled out the information online I was contacted by XXXX XXXX. I explained that I was looking to buy a home and wanted to take advantage of the grant that they were offering to XXXX looking to purchase in XXXX XXXX. She informed me that she wanted to do an initial mortgage pull so she could see where I was with my credit score. I consented. The score was in the mid XXXX so I worked on my credit, Payed off 5 hard inquiries and was able to get the firms who had the debt to notify the lenders, and was able to get the lenders to notify the credit Bureaus within a months time. My score went up to XXXX from what I could see on s third party company XXXX XXXX. I knew my score could be higher or lower but did not want it again until I was sure it was at its highest. XXXX XXXX, asked if I wanted her to do a second mortgage pull on my credit to see exactly where it was. I told her I did not want the credit pull to affect my score. She assured me multiple times that it would not affect my score because it was being pulled within the 45 day mortgage pull limit. Under the terms that my score would not be affected I gave consent. She did a second mortgage pull and my score went down the very next morning. I worked so hard to have it go from XXXX and her pull brought it down. I immediately called her and she said she did not know why the score went down. I informed her that I get immediate notifications and the notification I received was because their company placed a hard inquiry on my credit file when they did the credit pull. Company name XXXX XXXX. She assured me my score would not be affected. I asked her to have her company remove the hard inquiry they placed on my file and she stated they can not remove their hard inquiry from my credit file because I have consent. I then explained that I gave consent under the terms that my score would not be affected. She then said she would contact her supervisors to see what could be done. Her supervisor called me and said she spoke to her supervisor XXXX XXXX and she said they can not remove the hard inquiry that was placed in my credit file under false pretenses. I am furious that this company has taken advantage of me and my personal information. Their credit score requirement was XXXX. XXXX knew I wouldnt have reached there credit requirements and her crippled my ability to quality for other companies to assist me. Others need to be aware of there dishonest practices so they dont have the same thing happen to them.
Consumer complaint received 2019-04-13
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 reported XXXX to XXXX, TransUnion, XXXX, asking them to Validate the debt of the amount {$520.00}. Under the fair credit reporting act as it is reporting inaccurate on my credit report. I started this process in XX/XX/XXXX-present. I have even sent validation letters to XXXX and spoke with a representative, asking what information do they have on file, making me liable for this charge-off account, she informed me, nothing. This matters has not been taken seriously in validating this debt.
Consumer complaint received 2018-06-04
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: Experian Information Solutions Inc. (GA)

XXXX remove a public record from my account due to the fact that The XXXX bankruptcy court does not report any public records to any credit report agency. 

XXXX  has removed the item but XXXX and Experian has not. I've sent them I certified letters and they still have not removed the item.