davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GMA Investments, LLC (CA)

I am receiving calls from " Summit Receivables ''. Their phone number is XXXX. I do n't answer these calls because I believe them to be fraudulent. A woman leaves a message on my voicemail stating that I spoke with someone in a different department and left a negative impression, so things do n't look good for me. She also says she does n't have much time to resolve my debt issue and that she 'd appreciate a prompt call back. She says this is an attempt to collect a debt. 
I have n't spoken to anyone at Summit Receivables. I do n't have any outstanding debts. I have a good credit rating and I check my credit report with a service every three months. I hope something can be done about this terrible company!
Consumer complaint received 2018-04-30
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. (FL)

There are a couple items that should not be listed on my credit file which are XXXX XXXX # XXXX - See attached deletion notice, remove this item per the company they sent a deletion notice and it is still on my credit file XXXX XXXX # XXXX -Company stated they requested a deletion why is this still listed on my report
Consumer complaint received 2024-03-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

In XXXX this company illegally reported me late for a payment I had no idea existed at that point. This company then proceeded to report another fraudulent late payment to my report 3 consecutive months in XXXX. Because of this false reporting, and illegal invasion of my consumer report this company violated my consumer rights and broke federal law. I will be pursuing legal action. This reporting has caused me to miss out on credit being extended to me. I have been denied personal and business loans and it has caused me emotional distress. Interfering with my marriage and caused me extended health problems. I want this entire account REMOVED IMMEDIATELY!
Consumer complaint received 2023-02-10
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXXXXXX XXXX XXXX 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 without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Bank contact me by business letter, late XXXX, and did invite me to a coordinate " XXXX Program  '', and type to a " settlement conference '', that was conducted by Wells Fargo agent, sometime XXXX  ; " I was provided information from Wells Fargo agent attends during an confidential XXXX program conference, that stated by that Wells Fargo agent that applies bank account was in fact opened at Wells Fargo Bank without mine knowledge to do so ''. I was offered, and then there courtesy offered, I requested a total of {$1000.00}, in order settle matters regards I was attend the breach of contract pertain Wells Fargo Bank ; The {$1000.00} amount to settle claim was granted, and I was provided a courtesy settle arrange for deliver me an " Identity Theft '' services regards protect mine entity here, private and professional associate. 
" I did discover later, after I did receive a Wells Fargo business letter attends, for regards the Wells Fargo XXXX Program, dated, XX/XX/year>, that the issued to me part of XXXX  program settlement offer, was not as I did understand, perceive it to be, accords how explained by Wells Fargo XXXX host agent, but that relevant of render by settlement offer to me, " Identity Theft '' service, was for applies Wells Fargo Bank account holders, and or other bank account jurisdiction, and not for people at peripheral a outside jurisdiction, standard private, or professional business service to ... '' I became very upset regards this now discovered was an " not needed '' at applies too, unnecessary to have type identity theft service, that I did suffer a XXXX XXXX, upset mine VA XXXX XXXX XXXX XXXX and required me be compel use VA doctor prescribed XXXX. " I do sirs, not only ask decent refund, for regards this " not needed '' identity theft service program, but a total of add {$3500.00} more to mine settlement arrangement, due injury occur because of an unusual confined type " identity theft '' service that was confine only to bank account holders associations, that was not explained, emphasized enough, relevant a " confine to bank accounts '' product, was being delivered to me as part mine Wells Fargo Bank 's settlement offer, by Wells Fargo XXXX XXXX host agent ; Please do deliver me claim form to regards above mentioned, Wells Fargo Bank product agent compel me to injury / illness jurisdiction, and by that relative law, requires I receive.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-04
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. (OH)

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 XXXXXXXX I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated
Consumer complaint received 2024-03-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC. (MD)

On XX/XX/XXXX I purchased a XXXX jeep compass through XXXX used cars in XXXX XXXX XXXX  with XXXX co signed. We were told it would be through XXXX XXXX then when we get the bill its ally finance. The interest is 15 % {$640.00} car payments for a car that is always in the shop was supposed to be first on the loan with her as the co sign but its the opposite. The vehicle is a lemon has been in the shop XXXX times for the same electric use with the start stop engine. The XXXX promised assistance to help get me out the vehicle and into something better but doesnt answer or return messages from me nor does XXXX XXXX Please advise or assist if possible.
Consumer complaint received 2022-04-28
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: Convergent Resources, Inc. (CA)

In XX/XX/2022, XXXX  account # XXXX violated my rights.

15USC 1681 sec 602 A states I have the right to privacy. 15 USC 1681 sec 604 sec 2 also states a consumer reporting agency can not furnish a account without my written instructions.

A bill without a written signature is not a validation and a violation of my rights. Accord ding to the FCRA MY RIGHTS HAVE BEEN VIOLATED!
Consumer complaint received 2022-04-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (CA)

I attempted to pay my Macys debt ( Account # XXXX ) and was unable to do so because the account is to old and because the company issued a 1099-C form.

I'm currently working with a mortgage company and they are requesting I pay the account in full. After multiple attempts to pay the account off, and after being told I was issued a 1099-C form, is it possible for my Macys account to show a balance of {$0.00}. 
Thank you for your time!
Consumer complaint received 2019-03-11
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. (MD)

A business loan taken out by an LLC is being reported on my personal credit report by a collection agency. The collection agency has reported the same account as new over the past two years, despite multiple attempts to dispute the information and correct the account ownership. 

Furthermore, the account is being reported as being in collections with the original creditor, as well as with the debt buyer, which is a violation of the FCRA.
Consumer complaint received 2017-05-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (ND)

In  XX/XX/XXXX  I took out a student loan serviced by  XXXX   XXXX  ( now serviced by Navient ). The loan was disbursed  on XX/XX/XXXX  in the amount of {$32000.00}. I made payments on the loan but had difficulty making the high payme nt. When I approached  XXXX   XXXX  the only option was forbearance. They said I did not qualify for any other repayment plans. Every time I called they offered me forbearance or a couple of months deferment. I have been making monthly payments on the loan with out missing a single payment or having forbearance/deferment sinc e  XX/XX/XXXX . Pl ease see the attached spreadsheet that I downloaded from the  Navient w ebsite. Currently I make a payment of {$340.00} per month. The amount is applied to both interest and principal. My principal balance never goes down. In fact, it goes up. I currently owe {$37000.00} and I have been paying on this loan for over 10 years. As of today, I have paid {$27000.00} toward my loan. Why has n't my principal gone down? Why do I owe more than I every took out, 10 years later? I feel that   XXXX   XXXX  /Navient is misapplying my payments, has misguided me and has not been truthful with me about repayment options throughout the course of this loan. My interest rate is set at 6.5 %. I have also asked about lowering the interest but they say I 'm not eligible. They have been impossible to work with when I did ask them about repayment options or why my loan balance never goes down. They also claim that they will follow up with me. When I call them back they say that they have no record of talking to me. When I send in documents they claim to never have received them. I understand that the CFPB has filed a complaint against  Navient. I know that I am one of the people who has been wronged by Navient.   Please let me know what I need to do to correct this problem that I have had. The loan amount and the payment amount are a huge financial burden on myself and my family. My current estimated payoff date  is  XX/XX/XXXX . I do n't see how I could ever pay this off with the way they are servicing the loan.
Consumer complaint received 2022-07-21
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: Experian Information Solutions Inc. (SC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (AL)

I purchased a one year contract with XXXX XXXX XXXX and paid the full amount up front on the date contract was signed. I chose not to renew the contract. I informed my service technician several months before the contract expired and phoned XXXX that I would not be signing a new contract. 
More than six months after my contract ended I received a bill from XXXX for {$160.00} I again called them to inform them of their mistake. Approximately three months later I received another bill, I wrote on the bill that I didnt owe them anything since my contract was for 12 months and I paid in full initially. I asked for an explanation of the charges other than the amount. I never got a response but was instead handed over to Transworld System Inc. for collection. Ive spoken with the above credit agency who asked me to prove I didnt owe the bill.
Consumer complaint received 2019-03-11
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. (MD)

A business loan taken out by an XXXX is being reported on my personal credit report by a collection agency. The collection agency has reported the same account as new over the past two years, despite multiple attempts to dispute the information and correct the account ownership. 

Furthermore, the account is being reported as being in collections with the original creditor, as well as with the debt buyer, which is a violation of the FCRA.
Consumer complaint received 2018-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have a credit card with XXXX XXXX and they track my credit score from Trans Union using XXXX XXXX. Between XX/XX/XXXX ( when my score was XXXX ) and XX/XX/XXXX, the score was downgraded to XXXX. 

I discovered this when I applied for a new car loan on XX/XX/ and was informed that my score was XXXX. 
I subsequently got a copy of my credit report from Trans Union and called to find out why my score had dropped. There is no indication as to why this happened on the report.

I called Trans Union and got nothing but a run around as to why they dropped the score. I asked repeatedly for a reason and all I got in reply is that " the computer generated the score '' or " there are many factors that COULD affect the score ''. I was never able to get a definitive answer as to why my score was reduced. I finally asked to speak to a supervisor and eventually was cut off. 

This agency ( as well as the others ) affects the entire population of our country and to get answers like that is disgusting. It seems that the credit reporting agencies are not held accountable for their actions to anyone and I feel that it is time that they are.
Consumer complaint received 2020-12-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2020 at XXXX I received a phone call from someone claiming to be a representative from XXXX XXXX XXXX and said power would be shut off if payment wasn't made in the amount of {$360.00}. All utilities are in my roommate 's name, but she is changing over into my name as she is moving. I thought this phone call was in relation to that and that I needed to take care of it right away! The rep was stressing that he had a technician there ready to shut off power. 
" XXXX XXXX XXXX '' requested payment be made immediately via XXXX, which I did. As soon as I hung up, I realized that I had probably been scammed. I called the phone number the representative gave me for the billing department, and a woman answered and had no idea what I was talking about. 
I called my bank ( Bank of America ) right away and explained what happened. I asked them to suspend/cancel the transaction as it was still " pending '' and they said they could not stop it. I filed a complaint and a request to have my account credited in the full amount. BofA said they would investigate, but since I authorized the transaction, they probably couldn't get my money back. BofA said investigation would take about 10 days.
Consumer complaint received 2022-10-21
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. (FL)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please correct or delete this immediately : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-28
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: Santander Consumer USA Holdings Inc. (TX)

A person that was let go from a company I used to obtain a loan was charged with in house theft. That same person took my personal information and later took out several payday loans and a car loan under Chrysler capital car finance company in 2014. This is not my account and due to this person having all my personal information they were able to obtain a car loan with a copy of my drivers license, my signature, and my bank account information.
Consumer complaint received 2022-04-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (NC)

RMP SERVICES LLC wrongfully reported debt on my credit report. 

XXXX, XXXX wrongfully reported debt on my credit report. 

XXXX  XXXX XXXX sold the debt to Another creditor and still reports the debt on my credit report. 

XXXX a company notoriously known for deceptive practices continues to report negative information on my credit despot multiple attempts to request that it be removed. 

I reported all of these disputes to XXXX and it continues to report these debts on my account. None of these debts listed above do I have any agreement to pay.
Consumer complaint received 2022-04-28
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. (NV)

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.