davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NJ)

In XX/XX/2018, I received a call from Navient asking me to make a payment of {$2500.00} and then I can pay {$200.00} a month with zero interest. Instead, Navient, took my {$2500.00} and {$200.00} each month. They used all the money for interest and very very little for principle. They constantly annoy you with calls and they lie to people just to get the payments. Please I need your help. I paid them {$2500.00} and four months of {$200.00} which is another {$800.00}. I really need your help.
Consumer complaint received 2018-09-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC. (CT)

For the past several weeks I've been getting phone calls from Halsted Financial Services. When asking who the caller was from, some told me they worked for Halsted and others were hesitant to disclose their company name and just said " a financial institution. '' I have asked repeated times for them to stop calling. I assume they're a debt collector, however all of my accounts are current. The most recent phone call was from XXXX however each call has a different caller ID, but they all start with XXXX. These calls come in several times per day, despite my request to have my number removed from their systems. I hope CFPB is able to intervene to stop these nuisance phone calls.
Consumer complaint received 2019-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (NY)

I had a nordstrom visa creditcard (issued by tdbank ) was closed by the grantor in XX/XX/XXXX, and there were pending charges on nordstrom.com were canceled. As a result, now I have overpay the balance, since all orders were canceled.  i want the bank refund the money how much i overpaid . I have called and talked to the customer service a few time and they said would call me back and never called.
Consumer complaint received 2019-01-15
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: EQUIFAX, INC. (CA)

I submitted my letter to all three credit bureaus to fix an error on my credit report in XXXX but they still have not responded or corrected the mistake.
Consumer complaint received 2018-09-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (FL)

XXXX XXXX XXXX Collection acc 1 Month Date Opened XX/XX/2018 Account Status Closed Payment Status Late - Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department - Unpaid Status Updated XX/XX/2018 Balance {$710.00} Balance Updated Past Due Amount {$710.00}
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts below from my report : XXXX XXXX XXXX Date Opened XXXX XXXX XXXX Balance : {$1500.00}, XXXX XXXX XXXX Balance : {$1500.00}
Consumer complaint received 2020-09-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

Filed a claim for {$50.00} on XX/XX/XXXX. Usaa deemed me a liar and reversed my {$50.00} credit for receiving a product that I did not order. Received wrong product, merchant unhelpful and now bank is being unhelpful! Been fighting tooth and nail to try to clear up my name and get back my money but they have been stonewalling every attempt I make to get my money back. Called numerous time and all I get are rude disrespectful and unprofessional people who like to mis treat XXXX veterans With XXXX  sur names and violate the Americans with XXXX XXXX! Very unhelpful people at USAA, only care about their bottom line
Consumer complaint received 2018-12-22
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: BARCLAYS BANK DELAWARE (TX)

Barclays Bank shows in my credit report still claiming I owe {$8800.00} as of XX/XX/2018.

On XX/XX/2018 I sent a letter to Barclay Bank I requested validation that is competent bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this company that is reporting in my credit report.

Within 30 days the company responded back to me, telling me that i can review statements online by logging in to online account, and included statements with this letter.

On XX/XX/2018 i received another letter from Barclays Bank explaining that they are no longer able to fulfill requests for books, records or statements copies dated earlier then XX/XX/2013.

On XX/XX/2018 I send second letter regarding the first letter, how they yet failed to provide me with copies of any viable evidence, bearing my signature, showing the account is being reported accurately. A print of a bill or itemized document does not constitute verification. So i again asked for copies of document bearing my signature.

On XX/XX/2018 send me a letter back asking for more info from me when in fact all was given from letter one to investigate this issue, and still continuing to report in my credit report.

On XX/XX/2018 I send all the documentation proof to all three credit reports showing copies of my dispute I have made with Barclays Company and they failed to provide me copies of documentation having ( or ever had ) contractual agreements bearing my signature. The Barclays Bank breaking the law by not providing the documentation, and two : reporting complete wrong acct # from the statement and wrong credit limit overall against the law. All communication Records are kept for proof of dispute.
Consumer complaint received 2021-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

Hello, I have been trying to reach the different Bureaus by letter letting them know which information its incorrect on my Credit report since a few months ago, I haven't receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.
Consumer complaint received 2020-09-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (LA)

In XX/XX/XXXX, XXXX transferred the servicing of my loan to Carrington Mortgage. At that time, I was nearing the completion of a ( 5 ) year Chapter XXXX bankruptcy, with less than six ( 6 ) months remaining. Prior to filing for bankruptcy, XXXX granted me a 12 month forbearance. This amount was included in the bankruptcy and payments were made to the trustee. I also, for the duration of the bankruptcy, made the regularly scheduled monthly payment to XXXX. I never missed either of these payments. If I did, the trustee would immediately invalidate my bankruptcy. Carrington Mortgage did not understand the explanation I just provided when I called them in XX/XX/XXXX. They told me they had not received all of my loan file from XXXX and that it would take approximately 60 days for the transfer to be complete. I knew that I was going to have a problem because they told me not to make a payment. I could not skip a payment because of the bankruptcy. In XX/XX/XXXX, I called the bankruptcy department at Carrington Mortgage and insisted that they take my payment and each month following, I did the same. ( I have bank statements to show each payment ) Carrington Mortgage coded my loan as an " active foreclosure '' and began calling me after the bankruptcy was discharged. They told me the only reason my house had not been set for sale is because the Governor of Louisiana declared a stay due to COVID. They sent statements showing my loan in arrears. They said they performed a " thorough research '' on my account. I provided a printout from the trustee and bank statements. The findings from their research did not clear their many errors of incorrect payment postings ( which caused the incorrect due dates ) and their failure to accurately reconcile their loan file and XXXX 's. They continue to threaten me with foreclosure. I did not make XXXX and XXXX payments because they told me to wait until this issue is cleared up. It has been since XX/XX/XXXX and I don't know what more to do. I have called repeatedly, sent supporting documentation. These people are rude and dismissive. They talk to me and treat me as if I am lying. It is almost as if their intention is take my home. I am a XXXX year old XXXX XXXX  woman. The stress of this has taken its toll on me. I don't know what more to do. I can not afford to hire an attorney.
Consumer complaint received 2019-01-14
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. (MO)

There remains a XXXX  account on my transunion credit report in which I have previously advised this is not my account and should be removed. I have never had an account with XXXX. This was opened fraudulently and has been a nightmare since it hit my credit. This needs to be taken care of.
Consumer complaint received 2017-02-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (CA)

I was contacted by Convergent Outsourcing Inc . Via mail regarding an outstanding debt of over {$4000.00}. I wrote and stated that the debt was not mine, they then returned via mail a copy of a XXXX XXXX phone bill that I have never seen before, addressed to an address I have never lived at in a city and state I have never been to. I wrote them explaining this and mentioned that my SSN has been stolen before and this could be the issue. In the mean time they have placed this collection on my credit report and wo n't do anything without a copy of a police report stating my SSN was compromised. The report is proving difficult to get as it was quite a while ago. I do have proof from Social Security that requires a PIN number to file my taxes due to the compromise but I feel VERY uncomfortable giving this to a collection agency.
Consumer complaint received 2018-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX account on my credit report is in a class action law suit with XXXX XXXX were they messed up auto loan account because they charged for insurance I already had resulting in wrongful reposesion, and charge off on my credit for {$8900.00}. should have been removed from my credit report
Consumer complaint received 2018-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX  account on my credit report is in a class action law suit with XXXX XXXX were they messed up auto loan account because they charged for insurance I already had resulting in wrongful reposesion, and charge off on my credit for {$8900.00}. should have been removed from my credit report
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I opened a mortgage in XXXX with XXXX XXXX. At the time of the mortgage they opened a checking account without disclosing. We attempted to comply to the use of the checking account that we were unaware of as there was a baked in incentive of XXXX off the closing cost of the mortgage by maintaining the account. We had deposited XXXX into the account and never used it as there was no availability to ATM 's locally and we had an established checking account with chase that was meeting our needs. We continued business as usual, and were caught off guard when we received a notice in the mail that our account that we had never used had a negative XXXX balance! I immediately contacted the branch and they agreed to waive the fees as long as I paid back the XXXX dollars we received at closing. I obliged and paid the XXXX back because I no longer wanted to do business with the company. The branch informed us that our balance of checking went into negative because 5 transactions needed to take place monthly. We NEVER were informed of this. We had XXXX dollars in the account as per the mortgage officers instructions and simply thought it was funded and fine. They charged us service fees and overdrafts due to the lack of transactions. I paid the XXXX back and they credited the account. The account now shows on my Transunion credit report as a seriously delinquent account. The other two agencies ( experian and equifax ) removed the account properly but transunion has not. This has cause a deviation of over XXXX points between my score at trans and experian. This is unfair and not correct.
Consumer complaint received 2023-03-29
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. (NC)

I am submitting this CFPB Complaint once again to express my extreme dissatisfaction and outrage regarding the fraudulent items listed on my credit report. It is unacceptable that there are several items that I did not open or have any knowledge of, and it is clear that my identity has been stolen. The items in question, which include [ list fraudulent account details ], are a blatant violation of my rights and have severely impacted my financial standing. I demand that you take immediate action to investigate and remove these fraudulent items from my credit report without delay. The following items should be removed from my Credit File as soon as possible : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$840.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXXXXXX XXXX XXXX XXXX Balance XXXX {$3100.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$63.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$130.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX. ) XXXX Balance : {$68.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$350.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$670.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00}. As a consumer, I have the right to dispute any inaccurate information on my credit report, and it is your legal obligation under the Fair Credit Reporting Act to conduct a thorough and prompt investigation into this matter. I expect to receive a written response from you detailing the results of your investigation and the actions you have taken to rectify this situation.
Consumer complaint received 2018-12-22
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. (CA)

Went to go get a XXXX loan as I am a current XXXX XXXX in XXXX and I was denied due to adverse information on my credit report. Knowing this should not have been the correct information I reviewed my credit report and had seen these accounts by XXXX XXXX and XXXX XXXX. I have contacted the office of the Attorney Generals office of CA XXXX XXXX, which I filed a theft report with along with the Federal Trade Commission and the XXXX XXXX Police Department. I certified with all 3 Federal and State Agencys that under the law or Perjury I certify all is true and correct, I am the victim of fraud that took place with XXXX XXXX & XXXX XXXX. Also I have contacted XXXX XXXX of the XXXX XXXX   to help me in the event that I need to file paperwork with the XXXX County Court.
Consumer complaint received 2022-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I sent my letters off XX/XX/2022 by usps. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 


According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit reports showing the inaccuracies. 



List of accounts : XXXX  # XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2020-06-06
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. (PA)

My credit monitoring services recently notified me that XXXX XXXX had made hard inquiries on my credit report to all 3 of the credit bureaus.

I have not applied for any type of credit with XXXX XXXX.

I called XXXX XXXX to get more information and they told me they didn't know anything about it and that I needed to write a letter to each of the credit bureaus.
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Happy Money, Inc. (OH)

Payoff is reporting for XXXX that my XX/XX/XXXX payment was past due as of XX/XX/XXXX. My payment was made on XX/XX/XXXX. I have email confirmation and it is also on their website that my account was paid on the XXXX.
Consumer complaint received 2023-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with The Fair Credit Reporting Act, XXXX XXXX Acct # XXXX, has violated my rights. 

15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-03-16
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Paypal Holdings, Inc (WA)

online purchase from XXXX XXXX submitted purchase, withdrawal of {$66000.00} on PayPal credit card. called company XXXX within XXXX hours to cancel purchase. informed response from merchant " should have thought about that before submitting purchase '' called PayPal and started " Dispute, reply from PayPal inflator of merchant. they said company delivered produce to billing address. nothing delivered, merchant is lying. closed PayPal account until new 'dispute is inflator of client. this whole transaction has been nothing but a XXXX XXXX and transaction. XXXX
Consumer complaint received 2023-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

I wanted everything Removed