davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-23
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. (PA)

I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again
Consumer complaint received 2022-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been disputing inaccuracies on my credit report in regard to XXXX XXXXreporting inaccurate opening date and child support inconsistent reporting. I have seen all credit bureaus 5 rounds of disputes and there hasn't been any correction to the inaccuracies.
Consumer complaint received 2019-10-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Dodge Enterprises Inc. (FL)

XXXX & XXXX THIS DEBT COLLECTOR HAS BEEN COMING AFTER ME FOR YEARS FOR AN UNKNOWN DEBT I ASKED TO RECEIVE A COPY OF THE ORIGINAL CONTRACT FOR THIS DEBT. COLLECTOR HASN'T PRODUCED ANY PROOF OF DEBT BEING OWED. COLLECTOR IS ATTEMPTING TO GARNISH WAGES I FROM A DEBT THAT HAS NOT BEEN PROVEN TO BE MINE AND THE DEBT IS OUTSIDE OF THE COLLECTION WINDOW.
Consumer complaint received 2017-02-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (PA)

XX/XX/XXXX just prior to graduating, I consolidated my loans and my Federal Loan was locked in at 3.75 % APR. XXXX was my loan provider. At some point, they switched to XXXX and somewhere between XXXX XXXX and XXXX, my APR went up to 4.75 % which was not supposed to happen since I was locked in at 3.75 %. I enrolled in a Loan Forgiveness Program and my loan was taken over by FedLoan. I requested a forbearance for the XX/XX/XXXX payment, which was approved. I was informed that if I paid the interest while in forbearance, it would not be capitalized. I paid the accrued {$53.00} interest charge on XX/XX/XXXX ; I again paid the accrued {$5.00} interest charge on XX/XX/XXXX. These payments were interest payments and should not have gone towards the principle since I was still in forbearance. Now just 24 days later, My accrued interest charge is {$42.00}. There is something wrong here and I think I am being charged way more interest than the 4.75 % that I am locked into. I complete an employment verification form annually, which determines my monthly payments. I am requesting an investigation into this company 's interest rates policy and also an investigation as to why my 3.75 % lock in rate was changed to 4.75 %. I have attached documents pertaining to complaint in hopes that this will assist you in understanding my case. If you need further information, please contact me at the phone number and/or email given. Thank you for your prompt attention to this matter.
Consumer complaint received 2021-07-23
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: EQUIFAX, INC. (MD)

I've been disputing these accounts for months, they do not belong to me and should not bereporting to any of these bureaus ( XXXX, equifax, or XXXX  ). Month after month theyhave not removed these false names, accounts, and inquiries on my credit report.
Consumer complaint received 2019-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Dear Sir/Madam, This is a verified complaint concerning Equifax 's erroneous credit report. i : reported to Equifax, that the three bankruptcies reported on my credit report have been not been obtained from reliable sources. i : included the response from bankruptcy court ( see attached ), reported my identity theft report to XXXX XXXX, reported my identity theft report to police ( see attached ) and to FTC ( see attached ). Although, i : communicated these to Equifax, Equifax wrote back to me in letter date XX/XX/2019, under report number XXXX, that the bankruptcy reports were obtained from XXXX XXXX   which is incorrect, since, i : have confirmation from XXXX XXXX, that following my identity theft report to them, they would not and can not report anything to anyone. This can be easily verified over the phone by calling XXXX XXXX. This misconduct of Equifax, in falsely stating that they obtained these information from XXXX XXXX, when they can not and did not, has damaged me economically and emotionally. i : therefore, present to CFPB to order Equifax to immediately remove the three bankruptcies from my file simply because they were not obtained from XXXX XXXX and to grant other relief to me since i : have been damaged economically by Equifax and its Co Parties Agent ( s ) Principle ( s ).
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rocket Mortgage, LLC (CA)

They ignore my requests for accurate reporting of my credit history. 
They ignore my requests and refuse to allow escalation. 
They continue to issue fraudulent credit reports. 
I have made all of my payments on time and they continue to report me as late. 
Rocket Mortgage refuses to correct their fraudulent credit reports. 
Rocket Mortgage needs to e fined for this unscrupulous behavior.
Consumer complaint received 2019-01-30
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (WA)

I have attempted to get an income based payment plan for my private student loan with Navient. I want to pay but I can not afford to pay $ XXXX+ each month. I was on the program before but when a year went by, I was told I could no longer be on that program because it was for one year only. I had a hard time making my XX/XX/XXXX/XX/XX/XXXX payment. I called in on XX/XX/2019 trying to see what options I had. I was told that because I could not make a payment in XX/XX/XXXX, to call back on XX/XX/XXXX and they could see what we could do. Navient has been calling both me and my parents 6-7 times per day harassing us because the payment has not been made. I called in again and spoke to another individual. I told him to stop calling us because it was harassment. He then fired back that, " We can call you as many times as we want. '' When I asked him to at least stop calling my parents, he said, " We can call who we want as many times as we want. '' This is just pathetic. When I have issues with my Federal Loans, they take the time to help me and figure out what to do next. Navient as a company is a BULLY. I don't appreciate being harassed and I want it to stop. I'm willing to pay my loan ( I have to ) but they should work with me in my current financial situation. Even if I could just get it down to {$100.00} per month. That would help a great deal ... but the harassment needs to stop now
Consumer complaint received 2020-02-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: American Credit Acceptance, LLC (PA)

XX/XX/XXXX Approved for a XXXX Plus loan from American Credit Acceptance. Car payment XXXX dollars a month. The salesman used unfair sale practices to make a sale ( 1983 Act 83 ) The first 8 months after purchase, payments were compliant. During month 9, I began to experience financial hardship. Made several attempts to request lower payments. Company denied request on a several occasions. Company furnish data incorrectly on credit file which is against FCRA Guidelines.
Consumer complaint received 2019-10-15
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Patient Accounting Service Center (CA)

after repeated calls from this agency I tried to contact the collector -- I gave them my full name, billing address and their reference number -- I was attempting to settle this debt and they will not speak to me unless giving them my date of birth and social security number -- no way am I required to give this info and they refuse to move forward without it - thus causing unjust continued negative harm to my credit file i dont need there mouthy reps telling me its your bad credit i track all calls and have received 4-8 calls a day from this agency from multiple numbers that do not identify there the agency
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
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
Consumer complaint received 2016-01-08
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc. (MD)

During XXXX, 2015, I placed a fraudulent alert on my credit report against my Social Security Number. After three four months I requested Experian and XXXX to please remove Fraud alert against my SSN so that I may get credit card, mortgage loan and some other financial products but these credit bureaus are not responding to my request and turning a deaf ear to my question. I also submitted them my written request for removing fraud alert my my effort remains futile. Now I hereby request you to please persuade all XXXX credit bureaus for removing fraud alert against my SSN on my credit report and kindly keep me informed in this regard as I have to raise my kids, and want to take care of their financial needs. Matter may be considered on urgent basis please. If you want postal authorities receipts of my mail that can be provided on demand.
Consumer complaint received 2019-10-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (VA)

I have been disputing with a collection agency by the name of Online Information Services. They have reported to all three credit bureaus stating that I owe them in the amount of {$85.00}. I do not know this company and have absolutely no obligations to this company. The company has been contacted numerous times in writing and by telephone stating the account information is inaccurate. I have certified letters that were sent to the company dating XX/XX/2019, XX/XX/2019, and my third letter will go out tomorrow as that will be another 30 days the company has refused to reply. 

In my letters to the company, I requested validation, made pursuant from the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, to validate competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Online Information Services. 

Also, I had informed them that any negative marks found on my credit reports ( including XXXX, XXXX, and XXXX  ) from their company or any company that they represent, for a debt that I DON'T owe, is a violation of the FCRA & FDCPA ; therefore, if Online Information can not validate the debt, they must request that all crediting reporting agencies delete the entry. 

Again, they have not sent any evidence nor have they responded to any of my letters.
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Balance : {$75000.00} ; XXXX XXXX XXXX XXXX Balance : {$24000.00} ; XXXX XXXX XXXX XXXX Balance : {$28000.00} ; XXXX XXXX XXXXXXXX Balance : {$48000.00} ; XXXX XXXX  XXXX Balance : {$5100.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-01-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.
Consumer complaint received 2019-10-15
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)

There are multiple inquiries on my credit report that I did not authorize. I have attached my driver 's license and my identity theft affidavit to this complaint. The following inquiries that need to be removed are below : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ( XXXX ), XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX should not be reporting 3 times, 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, XXXX, XXXX XXXX.
Consumer complaint received 2017-07-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC. (GA)

I originally opened this account with   XXXX   XXXX  , as a maintenance free savings account,  XXXX  was bought out by  XXXX  and the savings account continued. Both the saving and checking account remained under the agreement.     Suntrust bought out  XXXX  years ago and then took on my saving contract which is a no maintenance free account with no fee charge. The only stipulation is that I allow the transfer of  XXXX  dollars per month on or about the  XXXX  of each month from my checking to my savings. This contract and policy has been in place since its inception.     Mysteriously Suntrust started removing  XXXX  dollars a month from my savings account earlier this year, claiming a monthly statement fee. I have not requested a monthly statement, nor agreed to a monthly statement fee. SunTrust is creating this with out my request.     I wrote to Suntrust about it and also filed a complaint here with the CFPB, and initially they refunded the   XX/XX/XXXX  month of unrequited statement fees but have since started charging me  XXXX  dollars a month for a service I have not requested. I then sent another email to SunTrust asking them to stop taking money from me, but they continue to fleece my savings account for non requested services.
Consumer complaint received 2024-03-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (TN)

XX/XX/2024 Regional Acceptance automated system stated I had a payment due of {$1000.00} due XX/XX/2024. I paid {$1000.00} Mailed Express signed Delivery on XX/XX/XXXX. Regional Acceptance signed and picked up my payment on XX/XX/XXXX at XXXX XXXX on XX/XX/XXXX at the XXXX North Carolina post office at XXXX XXXX XXXX zip code XXXX. I have a typical monthly payment of $ 328 monthly. They are still stating and reporting I owe {$1000.00} and I dont. 
Not only has Regional Acceptance refused my calls by intentionally disconnecting them. Regional Acceptance has also blocked me from making any type of payment should I attempt to log into my account, they also have intentionally programmed their automated system to decline any type of payment I present by stating it did not go through or it was declined. ( This is intentional ) There is currently a campaign to gather signatures for a class action lawsuit for the same issues that Im currently having so Regional Acceptance is abusing customers across the country.

Currently, regional Acceptance is sending billing statements showing that I have past due amounts in the thousands and I do not. The payoff amount for this vehicle itself is under {$5000.00}. 
How my payments are being posted or applied has me concerned as I think they have not only secretly changed my interest rate but are not applying monies accordingly to the interest and principle. This company and its representatives consistently threaten or lie to consumers should they feel like answering phone calls.
Consumer complaint received 2024-03-30
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: FIRST NATIONAL BANK OF OMAHA (OH)

I received a solicitation from XXXXXXXX XXXX Master card if you open and spend {$1500.00} within the first three months you will receive XXXX points and XXXX tier credits, they only gave me XXXX and said that was all I was entitled to.
Consumer complaint received 2024-03-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I received a letter in the mail to settle with Portfolio Recovery. The letter states that if I paid the settlement amount that the balance would be removed in full from my credit report. I sent a money order for option one on the mailed settlement letter and the amount was delivered by the date they stated, which I have tracking and a receipt from the post office showing. They also show that they did receive the payment. Instead of making the balance {$0.00}, they only subtracted the amount that I sent them. My credit report states that I have another late payment with them and that I still owe them {$810.00}. I should not owe them anything since I sent the amount to settle in the time frame that they required to settle with a one time payment. When I contacted the company they requested all of my information and tried to get me to give them my bank card information and access to my entire credit report. They would not discuss the amount owed on my account and when I asked to speak to a supervisor they told me they would call me back in a couple of days. The lady on the phone repeatedly spoke over me, said I was the one speaking over her and asked me if I realized it was Saturday when I questioned why I could not speak to someone other than her. It seems like it would not be legal to mail paperwork to settle and then when the company receives the settlement that the company mailed to you, that they do not honor what they sent you.
Consumer complaint received 2024-03-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (NJ)

I tried to log into my TD Bank account and notice that it said the information I entered was incorrect when I know for a fact that I put the correct information, so I contacted TD Bank and they told me to contact a branch to solve my issues, I had a negative balance in my account but I had 2 {$800.00} dollar checks that was already cleared and was supposed to be deposited on the account within 6 days, now I'm lost and trying to figure out how can I get my account reopened.
Consumer complaint received 2024-03-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Date : XX/XX/2024 Amount : {$900.00} To Who

m It May Concern, I am writing to file a complaint regarding a collection agency 's violation of the Fair Debt Collection Practices Act. Under 12 CFR 1006.34 ( b ) ( 5 ), the collection agency was required to provide validation information before placing a collection on my consumer report. However, they failed to do so. Furthermore, I have not been given the opportunity to dispute the account as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( i ). The collection agency proceeded to report the account to a consumer reporting agency without providing the necessary disclosures, therefore violating 12 CFR 1006.34 ( d ) and 15 USC 1681-s2 ( 7 ) ( a ). 

I kindly request that the collection agency provide me with proof of delivery of the required validation information and disclosures, before entering this account on my consumer report. It is imperative that they comply with the laws and regulations set forth by the Consumer Financial Protection Bureau. 

Thank you for your attention to this matter.
Consumer complaint received 2024-03-30
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC (VA)

Transworld is posting on my credit report and effort to collect on a debt that was a part of a discharge bankruptcy that has since been aged off of my credit report. This bankruptcy has passed the reporting time and is no longer legally able to report on my credit report, but continues to attempt to collect on a debt that is a part of that previous bankruptcy..