davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-24
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. (NC)

CFPB : My name is XXXX XXXX XXXX. On XX/XX/2021 I sent a letter to all 3 credit bureaus ( Transunion, XXXX and XXXX ) via Certified Mail. All 3 letters requested that certain names and addresses be removed. 

I got responses from XXXX and XXXX almost immediately after receiving my letter. XXXX took care of it without contacting me and XXXX asked me to call about an item and then took care of it online. 

Someone from TransUnion signed for the Certified Letter on XX/XX/XXXX ( see attached ). It is now over 45 days later and I have heard nothing from Transunion. I went to their dispute center today and it showed no pending dispute from me. I checked my credit report from TU this morning and there have been no changes at all. I sent my request by certified mail to have a paper trail to show when they would have to begin taking care of my request. 

I would appreciate your help on resolving this issue. 

Thank you! 

XXXX XXXX XXXX
Consumer complaint received 2022-01-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Strategic Alliances, Inc. (OH)

I sent in a request to first ascertain whether or not first portfolio ventures have the right to collect a debt from a credit card I owe money to called indigo credit card. I sent them a debt validation letter in XX/XX/2021 by certified mail and I never heard back from them. The debt was for about {$960.00} and I intentionally contacted them with a debt validation letter to which they did not respond to within 30 days. Because they didn't do this I sent them another letter stating that they had no right to collect on the debt based on the fdcpa laws and left it at that. For some reason they keep attempting to contact me to collect the debt. The debt should have already been eliminated and if they try to report it to my credit heroes that would be illegal. I am concerned that they will do that because it was mentioned briefly during an argument with one of the debt collector agents. I have also already asked them to cease and desist in writing and they did not respond back. The certified mail # is XXXX and the debt validation follow-up was delivered on XX/XX/2021.
Consumer complaint received 2022-01-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (TX)

Hello, my loan is financed through FlagStar bank. I have been trying to wrap up my forbearance and start making payments again since XX/XX/XXXX, and have been unable to do so due to multiple bank errors, and delayed processing on part of the bank. I would like to file a complaint and have this escalated somehow so that I can just resume making payments and bring my account current as soon as possible. I have detailed records of my interactions with the bank that I would be glad to provide. 
I have attached my hardship letter provided in XX/XX/XXXX that summarizes the interaction up to that point. I have made a large ( {$4800.00}, XX/XX/XXXX ) payment at the banks demand in order to continue to process my deferral, and continued to contact the bank weekly to wrap this up since then, and feel like I am getting nowhere. For example, I am supposed to have a single point of contact ( SPOC ) with knowledge of my account, but ended up talking to someone new today with no knowledge of my account ( same as nearly every time they call me ) who said she would escalate the issue and call me back ( which is what they usually say ). Thanks for your help.
Consumer complaint received 2022-01-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was contacted by XXXX XXXX XXXX on XX/XX/XXXX at XXXX pm. They left a voicemail saying that this was a notice of a civic lawsuit and considered this as being served. I called back at XXXX pm. The respresentive processed to say that I owed a capital one debt in the amount of XXXX and that they would take me to civic court in order to collect and i would have to pay XXXX for court cost and legal fees. I proceeded to tell them that I did not have a capital one account since XXXX and that it was included in bankruptcy in XXXX. She supposedly check and said that this debt was incurred in XXXX and payments stop in XXXX. I asked how I could take care of this and proceeded to say that they were willing to take XXXX. I paid. It did not sit well with me afterwards so on XX/XX/XXXX I called to get a emailed receipt for it and they did. But the more I thought about it I knew I did not have a capital one card in XXXX. On XX/XX/XXXX I called capital one to verify if I had any accounts open or if I owed them any money, they verified that I didn't. Thats when I called XXXX XXXX XXXX to get more information about them, more specifically their debt collector license number, She said that they were not a debt collection agency but mediators for a debt collector and were registered with theBBB.
Consumer complaint received 2022-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (GA)

I have a Citi Double Cash Card.  I received my last statement balance on XX/XX/22. On XX/XX/22, I made a change to my AutoPay settings, and received a confirmation of this change via email. I checked the website as well and the new settings were visible. On XX/XX/22, an AutoPay amount was withdrawn inconsistent with the AutoPay settings change. On XX/XX/22, I asked the customer support agent why the amount withdrawn was inconsistent with the settings I have in place. After 45 minutes, the support agent said " it takes XXXX billing cycle to get change effective. '' In my opinion the terms suggest the change is immediate : " I authorize Citibank, N.A., to initiate electronic payments from my chosen bank account, and I authorize my bank to honor the withdrawal. 

This authority is for the amount and dates indicated, and is to remain in effect until cancelled by Citibank, N.A., my payment account financial institution, or me. I can cancel AutoPay by calling customer service or by visiting autopay.citicards.com before XXXX ET on the day of my AutoPay payment. '' Nowhere in the AutoPay website or confirmation email does it suggest the change is only effective on the next billing cycle. I have not found any documentation of this other than the support agent 's word.
Consumer complaint received 2021-08-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (GA)

My Grandmother co-signed on this loan. I have never missed a payment, now that my Grandmother, XXXX XXXX, is total and permanently XXXX, I want these 2 loans removed from her credit report. 

She was discharged from the student loans she had due to the XXXX being approved, See attached.
Consumer complaint received 2023-07-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

I initially took out student loans ( private and federal ) thru XXXX XXXX to attend the XXXX of XXXX University ( XXXX ). In total I graduated with over {$90000.00} USD in debt. 
After my grace period ( 6 months ), I had problems playing the monthly on the loan. I had to go onto both forbearance and deferment. I had to refinance the loans and did so with XXXX XXXX ( which become Navient ). It became a 30 year payment plan. It was about 2 years before I started making monthly payments to the loan, starting around XXXX. The loan accrued to close to {$140000.00} USD. From XXXX on I made monthly payments. I paid ranging from {$750.00} USD a month to {$1000.00} USD every single month. Year after year. 

It is now XX/XX/XXXX and it's been 16 years. I have not missed a loan payment yet. On my account it still says I have {$81000.00} left to pay off all loans. Doing the math, 16 years, at {$750.00} a month comes to {$140000.00}!! The loan is supposed to be paid out by XXXX. By then I would have paid out {$250000.00}!! I will be XXXX XXXX XXXX. 

I have contacted Navient regarding my loans and they say there is nothing that can be done in terms of refinance or anything else. I requested my original promissory note and they could only give records that were incomplete in terms of payments. 

It seems criminal that I have yet to dent the loan amount. I have not been able to buy a house or have children because of all of this. I feel I am being manipulated and taken advantage by a loan provider that hides charges, payments, loses paperwork for account history, and ultimately I will have almost tripled the amount I originally took out. 

I feel I have been deceived my this loan provider in order to squeeze more money out of me then I originally signed to take for my college education. Their practices must be investigated.
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2023-07-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (OK)

I had a payment agreement with original creditor they did not lower the debt with the payments I was making. I had several health issues at the time did not know I could do anything about it. They sold my debt but not the correct amount. I have fought this with every debt collector in the 7 years and instead of correcting it they sell it and report it as new debt. I have contacted this company and tried to fix it they refuse and instead are doing the same.
Consumer complaint received 2022-01-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

I was paying rent for XXXX. My Landlord asked me to use XXXX to make the payment. She said to find her profile, and i could pay using her email address. I found her profile with her first name, middle name. I did not see that her email address was off by 1 letter. I sent the rent to this profile using the Chase Bank App through XXXX. The bank tells me the money is gone there is nothing they can do. XXXX says I need to bring it up with Chase Bank, there is nothing XXXX can do. 

I talked to my Bank about 5 times and they tell me my money is gone. They are not doing anything to help me recover my lost money, neither is XXXX. 

This was my first and only time using XXXX. 

What can I do to get my {$1500.00} back? 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX
Consumer complaint received 2021-04-19
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. (NY)

I notified Transunion that I am a victim of identity theft. In response to Transunion I am not a third party. I am a victim of Identity theft
Consumer complaint received 2022-01-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (TX)

I received a notice from rent recovery solutions saying I owe them rent I requested proof of debt ( lease or something ) did not receive anything. This was reported to the XXXX and XXXX XXXX credit bureaus incorrectly. 

We are homeowners and do not owe any rent. I called the number o the dispute I filed with XXXX and the number belongs to a food truck. 

I am a very unhappy camper and this needs to be resolved and removed... ASAP.
Consumer complaint received 2022-04-08
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: Experian Information Solutions Inc. (LA)

I sent letters to consumer reporting agencies ( XXXX, EXPERIAN, XXXX ) about those unrecognized inquiries requesting to delete them from my consumer report but still, they are ignoring my request. They are reported without my authorization or permissible purpose and are a clear violation of FCRA 15 U.S.C 1681b ( f ). I don't have any option but to seek legal remedy because it's really affecting my life.
Consumer complaint received 2022-01-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC (NJ)

I applied for a home equity loan and was turned down due to " Derogatory public record or collection '' information on my credit report. I contacted XXXX about my credit report and was advised that I had an account with adverse information. My report stated that Sequium Asset Solutions was/ has attempted to collect a past due debt of {$7500.00} from XX/XX/XXXX. I have never heard of, been contacted by or done business with this company. 

I contacted this company by the number listed on my credit report and spoke with XXXX on XX/XX/XXXX who stated this account has been returned to the original creditor and is no longer with them. He provided the account and indicated it was with XXXX XXXX  I contacted XXXX XXXX  on XX/XX/XXXX and XXXX stated there is no account in my name, social security number or my phone number with her company. 

I have initiated a dispute with XXXX to have this false information removed from my credit report and I am contacting you to advise you that this debt is not mine and potentially my name or information has been used fraudulently. 

Although both companies were mentioned in the adverse information of my credit report, neither were helpful in resolving the issue.
Consumer complaint received 2022-01-24
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed XXXX  XXXX Bankruptcy on XX/XX/XXXX. Bank of America is reporting my Payment Status on all three credit bureaus account as a collection/charge off as of XX/XX/XXXX.
Consumer complaint received 2022-01-24
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)

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. The credit bureaus failed to do a proper investigation and just stated the accounts were verified, I'm not sure how this process works but I would like someone to look further into this matter.
Consumer complaint received 2022-01-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

Creditor continues to report this bad account to a third-party XXXX XXXX which is duplicating the bad debt to my credit portfolio causing a bad reputation on my profile. I have submitted police reports and reports these to be fraudulent account and to charge as bad debt. However, it continues to show on my credit profile not once but twice.
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TN)

I opened a credit account with a jewelry company. The account reported for a month and then disappeared. The account is still active and in good standing and its sudden disappearance adversely affected my credit score by lowering my available credit and raising my credit utilization.
Consumer complaint received 2022-04-08
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: EQUIFAX, INC. (LA)

I sent letters to consumer reporting agencies ( XXXX, XXXX, EQUIFAX ) about those unrecognized inquiries requesting to delete them from my consumer report but still, they are ignoring my request. They are reported without my authorization or permissible purpose and are a clear violation of FCRA 15 U.S.C 1681b ( f ). I don't have any option but to seek legal remedy because it's really affecting my life.
Consumer complaint received 2022-01-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Hello I accidentally XXXX  XXXX {$90.00} on XXXX. 
I contacted him a few days later and he admitted he didnt know me and the transfer was an error. 
Subsequently he refuses to return the money. 
I reached out to my bank and they said to contact your organization. 

I was off by one digit when sending the money by phone number but the transfer is instant so there was no buffer period.
Consumer complaint received 2022-01-24
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)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2022-01-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Recovery Systems, Ltd (TX)

received a statement on XX/XX/XXXX for {$160.00} and XX/XX/XXXX {$5900.00} for services received on XX/XX/XXXX. 

XX/XX/XXXX spoke to XXXX XXXX at XXXX Ref # XXXX, amount due is {$38.00}, she requested a corrected statement from XXXX XXXX XXXX XX/XX/XXXX received letter from XXXX XXXX for final notice for payment XX/XX/XXXX check # XXXX cleared bank for amount due {$160.00} XX/XX/XXXX Final notice received from XXXX XXXX XX/XX/XXXX spoke to XXXX Ref # XXXX sent letter stating amount has been paid by XXXX, requested itemized statement XXXX XXXX from XXXX XXXXXXXX XXXXXXXX XXXX faxed to XXXX at XXXX XXXX XXXXXXXX on XX/XX/XXXX SEE XXXX page XXXX of XXXX  XX/XX/XXXX XXXX  sent a letter to XXXX XXXX stating per the contract in network doctors and facilities can not bill for services per their contract XX/XX/XXXX XXXX spoke to XXXX at XXXX XXXX stated XXXX at XXXX sent an explanation of benefits to management at XXXX XXXX XXXX was told not to pay at this time because amount due was to be zeroed  out
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXXXXXX Account Number : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Account Number : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have discovered numerous accounts on my credit report that I did not authorize ; pursuant USC Title 15 1681, these accounts need to be removed immediately. I am writing to employ immediate federal intervention regarding this unresolved, fraud of identity theft on my credit report by : TransUnion Intermediate Holdings , Inc., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. The fraudulent accounts remain on my report. This negligence violates my rights under the FCRA and continues to inflict financial harm
Consumer complaint received 2022-07-11
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. (AZ)

The accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts listed below. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX XXXX Balance Owed : {$510.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$5600.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$800.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$930.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX Balance Owed : {$93.00} XXXX XXXX XXXX XXXX Balance Owed : {$620.00} XXXX XXXX XXXX XXXX Balance Owed : {$930.00} XXXX XXXX XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX XXXX XXXX Balance Owed : {$930.00} XXXX XXXX XXXX XXXX Balance Owed : {$800.00} XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX Balance Owed : {$290.00}