davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XX/XX/2020 I noticed accounts on my credit report that didnt belong to me. So I immediately sent in a dispute to XXXX, XXXX  & Transunion. 

After 30 days past, I still didnt hear anything back so I sent a demand to comply with investigation on XX/XX/2020 Today XXXX & I still havent heard back from these companies. They are taking advantage of normal people. Covid-19 is not an excuse to not follow the FRCA!
Consumer complaint received 2017-05-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TENET HEALTHCARE CORPORATION (GA)

In  XXXX  o f 2014 I  was seen at  XXXX   XXXX   XXXX  while I was  XXXX  and had  XXXX . I later in   XX/XX/XXXX   of that same year   XXXX   XXXX   there. The   XXXX   was billed to my insurance but the other debt from   XX/XX/XXXX  wa s not. My account was later sent to collections without any form of a bill or any attempt to get detailed billing information to me at any time. Not only was I never notified of a bill but  XXXX  was not billed. I never received any EOB from them explaining that a bill was denied, which is something they always send providing an explanation. Also, when I called the debt collector, they could not tell me when they attempted to collect a payment from  XXXX . Also, I never gave permission for  XXXX   XXXX   XXXX  to send any of my private information to an outside source other than the hospital themselves.
Consumer complaint received 2019-06-13
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: Mr. Cooper Group Inc. (PA)

I was made aware of a situation last Friday ( XX/XX/2019 ) that has adversely impacted my credit and that was essentially a technical glitch resulting in delayed payments. Specifically, I made a change to my auto-payments ( increasing the draw amount ) in XXXX and did not realize that there would not be an automatic payment made to my account as a result in XXXX. My auto-payments resumed in XXXX but I was under the assumption that they were being paid on time each month when actually Ive been running a month behind since I made the change, unbeknownst to me. I was shocked to learn when finally alerted 6 months later that my account was in default, despite regular monthly payments being made, and was told that my credit has been significantly and negatively impacted. Ive been informed that my only recourse is to request that the lender, Mr. Cooper, update or correct this reporting to all appropriate credit bureaus. I did so via email as advised and was told that I could expect a reply within 24-48 hours. Nearly a week later, I've had no reply and no resolution. 

I went back and checked my account notifications and website messages and there was absolutely nothing indicating a problem until XX/XX/2019. Each month I received notifications that my payment had been received. Mr. Cooper said that they had tried calling a phone number but that phone number was not a correct phone number. They didn't try the secondary number that had on file ... which was the correct phone number ... until 6 months after the fact. 

My credit has always been good and I'm very distressed to have this issue, particularly since I've received no acknowledgement or help at all from the lender to rectify it.
Consumer complaint received 2020-09-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (NJ)

I received a prepaid Card in the Mail on Monday from usbankreliacard. I live in New Jerey and am currently employed and never unemployed. I researched that this card is for unemployment benefits and I have never been unemployed. I have lock my credit file. I have sat on hold for 2 hours one time and 1 1/2 hours the second time to be hung up on. I did not ask for this card and I do not want this card. I was to to reach out to my state unemployment office and sat on hold there numerous times to be hung up on each time I called.
Consumer complaint received 2024-02-11
Product: Credit reporting 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. (SC)

All hard and soft inquiries 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 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 and soft inquiries Name is incorrect XXXX XXXX XXXX date of Birth is not XXXX the Correct date of birth is XXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Late payment reporting A financial institution may not disclose nonpublic personal information to a nonaffiliated third party
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2020-09-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC (GA)

This is an insurance issue, Spoke with Ability Recovery Service regarding the matter several times. They do not have the actual billing information, which was made clear when it was discussed with the insurance company. All they have to do is submit the actual billing information to the VA for payment.
Consumer complaint received 2017-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA (TX)

Fedloan has bestowed multiple acts of negligence which resulted in excessive charges to my student loan account. After my extensive efforts to motivate Fedloan to correct some of the unethical and illegal servicing practices they inflicted on my account, the balances on my student loan accounts with Fedloan decreased XX/XX/2016. Unfortunately, despite Fedloan 's obligation to inform me of any activity they place on my account, they chose not to inform me of the adjustments Fedloan made or provide me an explanation of these adjustments upon my many requests. I have contacted Fedloan via phone and email on multiple occasions requesting a written detailed explanation describing the amount each individual loan Fedloan services was adjusted, why it was adjusted, and how the amount they adjusted each loan was determined. Fedloan continues to refuse to provide this explanation detailing adjustments made on each individual loan. Additionally, the last account summary statement received XX/XX/2016 which is dated after the adjustments were made is inaccurate. I requested an accurate account summary statement XX/XX/2016 and again XX/XX/2016. Fedloan has failed to provide an accurate Account summary statement. I would like fedloan to stop violating my rights as a borrower and inform me in writing a detailed explanation of the amounts each of my loans were adjusted and why. and an accurate account summary statement.
Consumer complaint received 2023-05-08
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Debt Recovery Solutions, LLC (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2022-09-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

This is for the company : Zelle XX/XX/XXXX the transaction happened, and XXXX XXXX was notified and denied to reimburse me even though I have the Zelle persons information etc. I am not satisfied that I do not get reimbursed while the scammer goes unpunished. 

This person on XXXX XXXX XXXX, who had the name XXXX said he has XXXX tickets to outside lands, but would need me to transfer the money to his friend on Zelle. After transfering, I wanted the confirmation and he said the ticket office would email. They never emailed. I tried to write XXXX and call many times on his XXXX, no response. Then his profile disappeared with a new name XXXX, and the Zelle person I transferred money to deactivated their account! Because I have the Zelles persons email I wrote them and they pretending it is not them even though it is EXACT EMAIL. I demand I get reimbursed and they get punished! {$210.00} is a lot of money! Zelle and the banks are being not acceptable If you also need the email convos of the Zelle person who is pretending it was not them, let me know. This is completely insane
Consumer complaint received 2020-09-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (VA)

I applied for credit with Wayfair to purchase products on their website.

The banking co. they use is Comenity card. I was late on a few payments because I had a hard time logging in to my account. I got aggravated with it and decided to just pay the total balance I owed which was {$380.00} ( payment date was XX/XX/2020 ) ... A Couple weeks later I get a bill for {$35.00} which says it's for a late fee! I was angry but I paid the {$35.00} on XX/XX/2020 ... .Now their calling me saying I owe {$110.00} i'm assuming it was for late fees! Their calling me at least five times a day. Emailing me and texting my phone. Please help me solve this problem. I have bank statements showing where I paid this ...
Consumer complaint received 2023-05-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (DC)

Mr. Cooper, my mortgage servicer, maintains an escrow account I pay into, and Mr. Cooper is responsible for paying from that escrow account to pay all my property taxes for my home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC, XXXX. On XX/XX/XXXX, I received a Notice of Tax Delinquency from DC XXXXs Office of Tax and Revenue stating that Mr. Cooper has failed to pay my XXXX and XXXX property taxes. If the property tax payments are not received by XX/XX/XXXX, they will force a sale on my home to recoup the property taxes owed. 

I alerted Mr. Cooper of their failure to pay the property taxes on XX/XX/XXXX. They told me that I would be provided an update on their resolution of the issue by XX/XX/XXXX. On XX/XX/XXXX, they called me and informed me that they had made no progress in resolving this issue, but that I could expect an update from them by XX/XX/XXXX. 

On XX/XX/XXXX, all I received from Mr. Cooper was a letter telling me that the issue was being researched by the tax department -- but provided zero timeline about when this will be resolved by, and zero recognition that the tax bill remains outstanding. At this point, it has been a full week they have been aware of taxes that they failed to pay for months -- and they have made no assurances of whether or when they will resolve the issue before DC 's tax authority forces a sale on my home. 

My current property tax balance owed to the DC tax authority is {$7300.00} -- that is what Mr. Cooper needs to pay for. They claim they paid the tax bills for XXXX and XXXX in XXXX, but the DC tax authority has no record of receiving any such payment. 

After speaking with Mr. Cooper by phone today again and receiving no meaningful help, I have let them know that I plan on submitting a complaint to the Consumer Financial Protection Bureau.
Consumer complaint received 2023-05-08
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: Experian Information Solutions Inc. (OR)

On XX/XX/2021 I requested monthly cell phone service from XXXX. During the eight months I had service with XXXX, the monthly charges were not consistent and too expensive for me. After eight months I terminated service with XXXX. Subsequent to this termination, XXXX claimed I had a yearly contract with them. 
Two bank investigations and two separate collection agency investigations determined that I did not owe XXXX for a yearly contract. 
Experian has included this billing of {$350.00} on my credit report and did not provide me with any information after I filed my dispute.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

There were three personal student loans disbursed to me in XXXX from XXXX for {$11000.00}. I settled with XXXX and had all three paid off by XXXX documented in my records. 

The student loans reappeared on my credit report after the Dept. of Education " bought '' these settled loans. Since then my taxes have been garnished and my loans moved from servicer to servicer. Everytime I call the response is, there is an overwhelming call volume, and disconnected call. 

I have continued to call and send letters to have these loans removed. I have contacted all three credit bureaus, the CFPB, studentaid.gov, XXXX XXXX, XXXX and XXXX XXXX. I have sent irrefutable proof, documentation and payment records. Then there will be a pending investigation, then no response. Next, I realize that the loans have " moved '' to another servicer. 

Now to round out a very long story my loans have been duplicated on my credit report from XXXX and XXXX. Now there is over {$30000.00} in student loan debt on my credit report. I disputed through the Credit Bureaus and they refuse to remove them. THIS IS DELIBERATE FRAUD FROM XXXX AND XXXX AND NEEDS TO BE RESOLVED IMMEDIATELY. 

All 6 loans need to be removed from my credit report.
Consumer complaint received 2019-04-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC. (MD)

Creditor is reporting accounts that are invalid and unverified. XXXX   have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2019-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TekCollect Inc. (MI)

Moved out of state and credit card was stolen. Didnt know it was stolen until collection agency contacted me. I told them it was stolen and they threatened me with legal action so I paid {$50.00} because I was afraid not to. This debt is increasing from the original {$400.00} stolen to its current amount on my credit report for {$1000.00}.
Consumer complaint received 2020-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In 2019 I used Transunion 's free credit reporting service to obtain a credit report. Since that time Transunion has been charging me $ XXXX monthly. I've been able to cancel my " membership '' but the damage has been done. I paid {$420.00} for a " free '' credit report a year ago. This behavior is dishonest and malicious. If there is anyway I can get my money back, that would be nice. 

Otherwise you have to stop these companies from selling something for free and hoping the victim doesn't catch their charges after they forgot. 

If I robbed someone once a month for 17 months I'd go to prison. Transunion does it you have a business.
Consumer complaint received 2019-04-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (VA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2023-07-12
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. (IN)

15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. it has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! 


Please see attachments below.
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (OH)

The company is claiming that I owe an alleged debt. I have never conducted business with this company. I would like a copy of all information pertaining to the opening of the account including the application with my signature, the original contract, a detailed record of all debt that is claiming to be owed, information that shows they have a right to collect the debt, information on the original creditor, all information about the purchase and or transfer information regarding this debt. If this debt was purchased I want to know the amount it was purchased for.
Consumer complaint received 2020-09-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

This company has reported negative information to the credit bureaus of a debt with them. It is reported on my XXXX credit file, and my XXXX  credit file. I have reached out to them and asked that they provide me with a contract between myself and them or for them to have it immediately removed from my credit file. I never received the requested information nor any follow up from them. The name of the company is Credit Collection Services. They have reported this negative information to 2 of the 3 credit bureaus. This was originally reported XX/XX/016 in the amount of {$100.00}.
Consumer complaint received 2020-12-18
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. (MS)

I disputed information on my Experian Credit Report. On XX/XX/2020 Experian refused to investigate my new evidence of the inaccurate reporting of my credit file. When I attempted to upload the supporting evidence again, the Experian online dispute center had several technical issues that could not be resolved. The inaccuracies in which Experian is reporting is having a significant impact on my credit profile. 

The following accounts have been re-aged, are reporting inaccurate balances, and have numerous inconsistencies with the other credit bureaus. If they are receiving their information from the same creditor, why is the information not the same? Experian is also reporting term limits and payment statuses on supposed charge-offs. 

Account name XXXX  XXXX Account number XXXX 

Account name XXXX XXXX/XXXX  Account number XXXX .... 

Account name XXXX XXXX XXXX XXXX Account number XXXX .... 

Account name XXXX XXXX XXXX Account number XXXX .... 

Account name XXXX XXXX Account number XXXX .... 

Account name XXXX XXXX Account number XXXX ....
Consumer complaint received 2023-05-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: National Financial LLC (DE)

On XX/XX/XXXX Loan Till Payday took two unauthorized payments from my account, in the amount of {$220.00} and a second payment in the amount of {$74.00}. I have reached out and spoke with XXXX XXXX on multiple occasions an di Have asked her to reverse the charges but I have received no response in regards to reversing the unauthorized charges. Prior to this, XXXX XXXX has charged my account multiple times without my approval. I have photo proof of this that I have provided to loan till payday and XXXX advised me through email, that someone else in the company made the unauthorized charges.