davidheineman/consumer-finance-complaints-large huggingface dataset:
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 is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please update my personal information. I tried changing emails, and phone numbers but it seems like I cant get my identity to be safe. I will protect my identity on my own XXXX squid ax and trans union please remove fraud alert from my credit report. I am seeking a home. Please block fraudulent accounts on my credit report which is XXXX, XXXX, etc. I already put on a FTC report weeks ago into this matte. Major finiance is also missing from my credit report. Im a victim in XXXX XXXX  credit breach XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX please update my address
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 is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

Please update my personal information. I tried changing emails, and phone numbers but it seems like I cant get my identity to be safe. I will protect my identity on my own Experian XXXX XXXX and XXXX XXXX please remove fraud alert from my credit report. I am seeking a home. Please block fraudulent accounts on my credit report which is XXXX, XXXX, etc. I already put on a FTC report weeks ago into this matte. XXXX XXXX is also missing from my credit report. Im a victim in XXXX XXXX   credit breach XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX please update my address
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 is missing that should be on the report
Company: EQUIFAX, INC. (CA)

Please update my personal information. I tried changing emails, and phone numbers but it seems like I cant get my identity to be safe. I will protect my identity on my own XXXX squid ax and XXXX XXXX please remove fraud alert from my credit report. I am seeking a home. Please block fraudulent accounts on my credit report which is XXXX, XXXX, etc. I already put on a FTC report weeks ago into this matte. Major finiance is also missing from my credit report. Im a victim in XXXX equidaz credit breach XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX please update my address
Consumer complaint received 2015-11-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

I have been getting XXXX calls and voicemails per day from a debt collection company. I have told them that I am not the associated party and do n't know the associated party and to not contact me again. The calls continue.
Consumer complaint received 2022-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (TX)

I have been trying to get a release of lien or a division order signed from Rocket Mortgage for over a year now with no progress at all. They have cost me over {$14000.00}. I have called their office over XXXX times to XXXX different people and not once did any of them answer their phones. If not for a handful of emails, I would have thought they did not really exist. I have been shuffled off to one department after another ; XXXX XXXX | Resolution Advocate Direct : ( XXXX ) XXXX XXXX XXXX XXXX XXXX Direct : ( XXXX ) XXXX XXXX XXXX Senior Special Loans Specialist Rocket Mortgage T ( XXXX ) XXXX XXXX XXXX Servicing Resolution Specialist Rocket Mortgage T ( XXXX ) XXXX None of which answered their respective phones, just to warn you if you try to call. 
Ever day that goes by I loose money and I need a resolution as soon as possible.
Consumer complaint received 2018-06-27
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Check N Title Loans (TX)

I am writing this letter because I have a grievence with the Company called Check N Title with offices located in XXXX TX. I took a title loan out at the XXXX XXXX location in XXXX, TX. 
The short of it is : I originally did a title loan In XX/XX/2017 for {$1000.00} dollars, with agreement of paying {$100.00} payment a month. The was suppose to be a six month loan ending in XX/XX/2017, with option to renew it. 
I originally paid {$100.00} dollars thinking that the payment, only to told that I needed to come back next Friday and make the 2nd {$100.00} payment. I replied what for? She said because your next payment is due in a week. I thought the that was the payment for the month. 
Charged a {$100.00} late fee. And if I dont pay it my vehicle will be repossessed I forced into signing a new contract in XX/XX/XXXX and I didnt agree if would I be in default and my vehicle would be repossessed. They told everything was the same they just had to update the system. 
The was a lie. They changed the dates of the contract and renewed it without my consent. I asked to see the contract in complete to review it. They said they couldnt but not to worry everything was still the same. Then they demanded that I pay {$300.00} instead of {$200.00}. I had the {$200.00} but they refuse to take it. The lady stated the payment is {$300.00} dollars and nothing less would be accepted. 
Well. In summary. That has been the nature of dealings with this business. 
When I came in to pay I was told owed more and that would need to pay lest I be in default and have my vehicle repossessed. When I came to make the payments I was told I needed to pay another {$100.00} dollars. I had the money to make the payment in hand showing it to them, and they refused to take it without another {$100.00} dollar late fee. 
Subsequently, I have paid {$1200.00} dollars to Check N Title already in payments and late fees total. Their has been no application to the principal of the loan whatsoever. They state that all the money I have paid has gone towards the finance charge of the loan, and that I have not paid I am requesting the State Attorney Generals intervention, involvement and investigation into my relationship with this business and ( this companys business practices ) My concern is that if they can be so casually dishonest and fraudulent with me, that they practicing the same dishonesty with other clients. 
I was to lied time and time again. 
I exhorted for money under false terms. 
I was constantly threatened repossession. 
Engaged and engaging in Deceptive business practices Fraud, Extortion, I  feel like the real intent is not for me to repay the loan, but to extort as much mon money as possible, through deceptive policies, exorbent fees, refusal of payments, continual threats of repossession, and in the end selling the vehicle to profit more money.
Consumer complaint received 2019-10-15
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. (CA)

Unauthorized credit report accessed and received from these companies : 1 ) XX/XX/XXXX XXXX 2 ) XX/XX/XXXX XXXX 3 ) XX/XX/XXXX XXXX XXXX 4 )  XX/XX/XXXX XXXX XXXX XXXX XXXX 5 ) XX/XX/XXXX XXXX , XXXX 6 )  XX/XX/XXXX XXXX XXXX XXXX 7 ) XX/XX/XXXX XXXX 8 ) XX/XX/XXXX XXXX XXXX XXXX-listed 5 times 9 ) XX/XX/XXXX XXXX XXXX
Consumer complaint received 2019-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Unauthorized credit report accessed and received from these companies : 1 ) XX/XX/XXXX XXXX 2 ) XX/XX/XXXX XXXX 3 ) XX/XX/XXXX XXXX XXXX 4 ) XX/XX/XXXX XXXX XXXX XXXX XXXX 5 ) XX/XX/XXXX XXXX , XXXX 6 )  XX/XX/XXXX XXXX XXXX XXXX 7 ) XX/XX/XXXX XXXX 8 ) XX/XX/XXXX XXXX XXXX XXXX-listed 5 times 9 ) XX/XX/XXXX XXXX XXXX
Consumer complaint received 2015-09-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion conducted investigations on unauthorized accounts and inquiries for many years since XX/XX/XXXX and still have not removed negatives. 
XXXX XXXX XXXX XXXX collections and other collection was deleted and it was put back on my credit report again XX/XX/XXXX. 
They always implement a verified and no change.Why? 
Is because Transunion allows the companies to do whatever they want on consumers credit report. 
Transunion has partnership relationship with companies.banks.and this XXXX dollars companies dictates the consumers credit to keep them in poverty. 
Federal Government respectfully needs to mandate stricter Federal laws that credit reporting agencies can not have no business partnership relationship with companies.
Consumer complaint received 2019-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc (MT)

On my background report I received a copy of, says I have had my name in three countys in the states of XXXX, XXXX & XXXX. I have only lived in two of those states, XXXX  and XXXX.
Consumer complaint received 2019-10-15
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. (CA)

Unauthorized credit report accessed and received from these companies : 1 ) XX/XX/XXXX XXXX 2 ) XX/XX/XXXX XXXX 3 ) XX/XX/XXXX XXXX XXXX 4 )  XX/XX/XXXX XXXX XXXX XXXX XXXX 5 ) XX/XX/XXXX XXXX , XXXX 6 )  XX/XX/XXXX XXXX XXXX XXXX 7 ) XX/XX/XXXX XXXX 8 ) XX/XX/XXXX XXXX XXXX XXXX-listed 5 times 9 ) XX/XX/XXXX XXXX XXXX
Consumer complaint received 2019-10-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC (TX)

On the morning of XX/XX/2019, I was startled and approached by a process server, who was standing near my door when I opened it. She informed me that I was being sued, and after briefly reviewing the formal legal pleading, I signed it and she left. 

After receiving the pleading, I reviewed it in its entirety and it seems that Jefferson Capital Systems, LLC., was suing me for a debt that I had absolutely no knowledge of. Jefferson Capital Systems , LLC, is not listed on any of my credit reports and the company they purportedly represent is showing a zero balance on my credit report. However, Jefferson Capital Systems , LLC, is suing me for {$2400.00}. 

Jefferson Capital Systems , LLC, seems to have completely disregarded the federal law of the Fair Debt Collection Practices Act [ Title 15, USC 1692f, 809 ( d ) ], which says communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ). This was, in fact, my initial communication with Jefferson Capital Systems , LLC. 

According to Title 15, USC 1692f, 809 ( a ), of the Fair Debt Collections Practices Act, I should have been given written notice, and an opportunity to identify, investigate and validate this debt, before being served with a legal proceeding. However, Jefferson Capital Systems , LLC, made a conscious decision to disregard Title 15, USC 1692f, 809 ( a, b and c ) of the federal law and have me served, thereby taking away my right to challenge the validity of the debt. 

Additionally, the address documented for the defendant on the formal pleading is completely inaccurate and is not an address in XXXX XXXX, which is where I reside. The address documented, is, in fact, a XXXX XXXX address. 

I had 14 days to file an answer, in which I did and our initial hearing was heard on XX/XX/2019, and is still pending the outcome of an investigation. 

I also reached out to Jefferson Capital Systems , LLC, and was informed by one of their representatives that written notice was mailed to me, at the address on the legal proceedings, which is not my address, nor has it ever been. 

I presently have an active account ( with a small balance 17 % ) with the company in question and have previously had another account with them, that is now closed and was paid in full. Im also reaching out to the company ( XXXX ) to request detailed records of any/all transactions associated with the account in question, which is presently showing a zero balance on my credit report. 

Im also a victim of ID theft. My name is presently a part of the XXXX Data Breach, XXXX XXXX Security Incident, checks, other credit cards, along with the thousands of dollars being taken from the IRS in my name. The IRS finally cleared me, after a nearly year-long comprehensive investigation. I have police reports, an FTC file #, along with other pertinent documents from years of dealing with this matter.
Consumer complaint received 2019-10-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: MoneyLion Inc. (GA)

The first three payments were ok then I switched the method of payment and the next payment was ok then they went back to a previus payment method that was removed and caused overdrafts. I recieve terms that im not to file a dispute. My last payment was held for 4days and " returned '' I was kick off the app for 3 weeks and unable to connect with customer service. I have XXXX in a savings
Consumer complaint received 2019-10-15
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. (AZ)

On XX/XX/2019 I received notification of a new credit inquiry on my Equifax report. My credit report had been pulled in XXXX, Texas at a car dealer. I live in Arizona and I am not looking to buy a car. I have not visited a car dealer in Arizona or Texas. I tried to file a dispute and the website directed me to contact the company in the inquiry which is XXXX Of XXXX. I contacted them the same day with no response. The following morning, XX/XX/XXXX, there was a new inquiry again from XXXX of Texas. I called them again and their reply was that if I did not provide them my ss # they could not tell me who pulled it. I did not provide them my social since they had pulled my credit twice without consent, I was worried that they would do it again. I asked if there was any other way they could help me and they asked if it was for a new or used car. How am I supposed to know what they pulled it for if it was not requested OR authorized by me? I finally successfully filed a dispute through Equifax but it came back as " factual data '' and stayed on my report. I called XXXX of XXXX once again only to be told not to worry about it. They said " someone with a similar name '' was buying a car and that is why it showed on my report! So there are still two unauthorized inquiries from XXXX of XXXX on my Equifax report.
Consumer complaint received 2019-10-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Outsourcing, Inc. (MA)

On XX/XX/XXXX, I received a letter from Receivables Outsourcing LLC, dated XX/XX/XXXX, requesting a payment of {$62.00} to XXXX XXXX Hospital for the service performed on XX/XX/XXXX. 

I responded with the letter ( mailed on XX/XX/XXXX ) that according to my insurance XXXX XXXX and XXXX XXXX XXXX I am not responsible for the {$62.00} charged by XXXX XXXX Hospital. Namely, in the Explanation of benefits letter the XXXX XXXX XXXX wrote : " The total amount of what is not allowed and/or not covered is {$62.00} of which you owe {$0.00}. '' Regardless my explanation, Receivables Outsourcing LLC did not respond and did not withdrew the request for payment.
Consumer complaint received 2022-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (FL)

PURCHASED A MICROWAVE OVEN IN FALL OF XXXX  FROM HOME DEPOT. CITIBANK HOLDS THE CREDIT DEBT FOR HOME DEPOT XX/XX/2021 PAID XXXX XX/XX/2021 PAID XXXX XX/XX/2021 PAID XXXX I did not realize I had an old Home Depot account with a XXXX balance in my bill pay and made both XXXX payments to that account. I started getting calls from Citibank for this debt back in XXXX. It was constant harrassment. I was on a cruise in the Atlantic and told them that but they continued to call several times a day. 
In XXXX I spoke with a person from Customer Service and we straightened it out, so they said and waved the late fee. 
In XXXX the harrassing calls began again. Citibank wanted 2 months late fees now. I talked to " XXXX '' in Customer Service wto stated late fees were taken off because the account was paid. I asked him to close any and all Home Depot Accounts ( the old one was supposed to have been closed in XXXX ). Now in XXXX XXXX they have started again. 
I AM XXXX WITH XXXX XXXX AND STAGE XXXX XXXX. I CAN NOT HANDLE THIS STRESS.
Consumer complaint received 2017-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

So on XXXX XXXX while at XXXX XXXX Course I noticed a charge on my Government Travel Card that I did not make or authorize, when I called Citi they said that some one gave my card number to the travel company instead of another soldiers card number when booking their travel. So I called citi bank to dispute it around XXXX ( XXXX ). Citi bank refused to do anything about it and said they would not take off the charge and that I had to talk to the travel agency that booked the flight, so I did. I called XXXX XXXX XXXX at XXXX And talked to XXXX and XXXX who said that they got my card number from XXXX XXXX, who is the XXXX account manager, and charged my card {$570.00} for travel. XXXX XXXX gave the travel agency my card even though the personal info on the account he was supposed to give had a birthday of XXXX which is clearly not my birthday. The travel company called Citi and told them it was charged by accident that same day and the XXXX account manager called Citi on XXXX XXXX to tell them the same but Citi still refuses to remove the charge from my account. Then in XXXX I called them again and here we are now in XXXX and they are still refusing to remove the charge and they said that even though they know it is an unauthorized charge they 're going to keep the account in the past due status and they refused to send me a letter stating that they know it is not my charge. They are saying that there 's nothing they can do about it that I have to find a way to take care of it even though I already reported it to them that it is not an authorized charge. Originally I was supposed to get a refund from them because I had over paid by about {$180.00} on a previous bill but now I ca n't get the refund or the charge taken off my account
Consumer complaint received 2019-10-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: HEARTLAND PAYMENT SYSTEMS INC (CA)

In XXXX of XXXX, I received a statement from Heartland ECSI requesting {$12000.00} on Perkins loan with the due date on XX/XX/XXXX. I called them and placed the loan into forbearance as I did with all my other federal loans. This statement included one account with XXXX XXXX. At the same time on XX/XX/XXXX, XXXX XXXX requested Tax offset for debts owed to XXXX XXXX to Franchise Tax Board for  {$1000.00}, and in XXXX, I did not get any state tax refunds. 
Now, XXXX XXXX is withholding my transcripts and placed me into default, although, I was supposed to be in forbearance. XXXX XXXX together with Heartland placed me into collection while I was supposed to be in forbearance. When I called to Heartland, they didn't have my account at all. This is a retaliatory action. I found this all out because I applied to XXXX XXXX XXXX XXXX to study XXXX XXXX, and now I can't further my studies due to default issues on my record with XXXX XXXX. They are withholding my graduation, my transcripts and asking for monies that should've been in forbearance. This is wrong.
Consumer complaint received 2019-10-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (TX)

I contacted Phoenix Financial Services LLC, XX/XX/2019. after noticing a collection added to my credit report {$830.00}. I then spoke with a female representative, who was informed that no notice was given inregards to this debt collection and I was not aware of the debt. I was then informed of the Debts originations and informed the representative that my this bill was not correctly billed to my medical insurance and my responsibilities was 20 %. I can pay the 20 % now. I was told that that not my problem. The account was not in our procession at that time so I dont care what happen then, will you be make the full payment or you wasting my time. I told the representative I will pay the 20 % the insurance did not cover, it was at that point the representative disconnected the call. I immediately called back and got a male representative and began to explain that I was not aware of this bill and that my insurance cover 80 %, I was told that they had no insurance information and it wouldn't matter anyway. I then asked if he can send me a letter of verification. and proof of debt and I was told, " I see why the other representative disconnected the call ''. He refused to listen, even started to use abusive language what type of person dont pay there bill. I then informed him I can send the information about the insurance and I was told " you can send what you want it won't matter '' he also disconnected the call after. I believe that Phoenix Financial Services LLC has violated my consumer rights under the fair debt collection practice act.
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (AL)

Comenity Capital Bank representatives keep calling me on my cell phone ( XXXX XXXX XXXX ) sometimes at inappropriate times threatening legal action, etc. 

I have been in the hospital for the past year and required skilled XXXX XXXX  XXXX I have mailed Comenity Capital Bank XXXX XXXX XXXX XXXXXXXX several times in the past few months a " cease and desist '' letter asking them not to contact me again. 

Comenity representatives have disregarded my written requests and keep calling me. 

A few days ago I sent them the same letter via trackable, USPS Ground Advantage.