davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-06
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX  accounts 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. States a consumer reporting agency can not furnish any account without my written instructions. I have tried to reach this company numerous times concerning this issue, however I was not successful. This account has caused great damage to my credit report. Assistance is advised.
Consumer complaint received 2019-09-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

This occurred with NAVIENT. This company is horrible and does not direct its customers properly. I had an old loan, which they failed to handle properly and on top of that, they have charged me ridiculous late fees that other providers have not. 

This company needs to withdraw my late fees ( around 300 ). 

They also failed to tell me about converting my OLD loan which does not qualify for IBR programs, such as forgiveness after 10 years of payment. I would be starting over, and I had opened this account back in 2005. 
This company was horrible in the mismanagement of my loan, and to this day the principle has increased.
Consumer complaint received 2019-09-26
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. (TX)

I am a victim of identity theft. I have contacted Equifax regarding the fraudulent information that was placed on my credit report as a result of the misuse of my personal information. 
I don't understand what its going to take for Equifax to uphold my rights as a victim. I have filed a police report and the suspect was apprehended and arrested not long after. The suspect actually confessed to opening the fraudulent accounts. I have given all of this information to Equifax and I have included the appropriate documents to prove it. I feel like I'm being victimized allover again by this credit reporting agency. I have attached my ID, my SS card, a copy of the arrest report and my police report. Please help me get the justice that I deserve. Equifax 's investigation process is greatly flawed and it has prevented me from correcting this.
Consumer complaint received 2023-04-06
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. (VA)

The accounts listed below are not mine. I have no idea why it is listed to my report. I surely believe that these accounts are FRAUD or either somebody with the similar name. I already filed an FTC report and this is the FTC Report XXXX XXXX/XXXX  XXXX XXXX/XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (CA)

CAVALRY PORTFOLIO SERVICE Account number XXXX Recent balance {$1500.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$1500.00} past due as of XX/XX/XXXX. 

CAVALRY PORTFOLIO IS AGGRESSIVELY ATTEMPTING TO COLLECT ON THE DEBT THAT IS 9 YEARS OLD.. I  contacted citi bank the original creditor on this account who stated 1099c was issued 4 years ago, and confirmed that first date of default/last date of activity on this account was back in XXXX thus this account is too old to report on my credit and has passed a statutory allowed amount of 7 years. I supplied this info to Cavalry on numerous occasions who ignored and still refuses to remove this erroneous collection. Every time we call they just collect and update information on me and now they called my work and parents house, AND changed the " on record until '' date on XXXX  report from XXXX year to XXXX how is it even legal ... why can't we stop them from harassment and violation of federal laws on collection FDCPA???
Consumer complaint received 2019-09-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (WV)

Freedom Mortgages manages my home mortgage. I pay my mortgage online through XXXX XXXX XXXX. I received a letter dated XX/XX/19 stating Freedom Mortgages had not received the XX/XX/XXXX payment for my home loan and was instituting a {$15.00} late payment fee. My first response was to visit my XXXX XXXX XXXX branch bank on XXXX XXXX in XXXX, WV. My teller, XXXX, assured my XXXX XXXX XXXX had issued a check for the XXXX payment which was delivered on XX/XX/19. This was the first time I had learned that Freedom Mortgages does not accept online payments and required my bank to issue a check each month to them upon my request for the online payment. Upon my return home, I called Freedom Mortgages. Employee ID # XXXX responded to my inquiries about the payment by saying there was nothing he could do. He insisted his company had contacted all mortgage holders to change the address for payments. I told him the message sent in XX/XX/XXXX was addressed to all people who paid their mortgage with a check. I read and discarded the message because I paid my mortgage online. I explained I had received a second message on XX/XX/XXXX which added people who pay online should also change the address. I edited the address on XX/XX/XXXX, and I told the employee of Freedom Mortgages I should think that the XXXX XXXX would be open at least through the end of XX/XX/XXXX. I asked to speak with a supervisor. The employee asked if he couldn't find a supervisor, would I be willing to speak with a customer satisfaction ambassador. I agreed and spoke with employee ID XXXX who said the payment might have been thrown out and requested I pay immediately over the phone. Expressing my distrust of the responses given thus far, I asked for some type of response from Freedom Mortgages to safe guard me in case the check was cashed even though I had issued a second check for XX/XX/XXXX payment. I informed Freedom that my bank would charge me {$35.00} for a stop payment on the " lost '' check. After some time spent on hold employee XXXX returned to the phone to inform me my " lost '' check would be returned to my bank. To my question of when would the check be returned the employee informed me there was no way to determine when and again requested access to my bank account for the XX/XX/XXXX payment. I told the employee when my bank received the check I would reissue the payment. The employee told me if I didn't make the payment by the end of XX/XX/XXXX I would suffer negative financial consequences. I am a XXXX   XXXX on limited income. My finances can't uphold two mortgage payments in a single month. I think at the very least the late fee, the stop payment charge should be shouldered by Freedom Mortgages. I asked that my screen be notated about the " lost '' payment stopping any penalties or effects on my credit. This request was denied and backed up with the threat to my finances. Please help regulate this company. 
XXXX XXXX XXXX XXXX, WV XXXX
Consumer complaint received 2019-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: General Motors Financial Company, Inc. (TX)

GM FINANCIAL is reporting my account XXXX as late in XX/XX/XXXX on my XXXX   report. I paid this loan off in XX/XX/XXXX. 
I have disputed this with XXXX, with no success. GM reported back to XXXX that the information is accurate .... it is not.
Consumer complaint received 2019-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

On XX/XX/XXXX at XXXX XXXX I deposited into my personal account ( by error ) {$7900.00}. in cash via an ATM at the bank branch location. 
At that time, both the receipt from the ATM and on the bank 's app on my mobile phone, the funds were immediately available. 
About an hour or two later, I discovered that I had put them into my personal account, which is linked to my business account for transfers. I immediately saw my balance in my personal account was over {$10000.00}. so I transferred the {$7900.00}. deposit to my business account. It all went through with no problem - on my phone. 
This morning at around XXXX XXXX, I received 2 notifications - the first email said that my personal account showed a negative balance of over {$5000.00}. The second email a minute later showed that I was overdrawn by {$710.00}. When I checked my mobile app from the bank it showed I had over {$2100.00} in my account. 

I then went onto the computer and saw that the bank did not post my deposit until 24 hours after the cash was deposited - and that I transferred the money that I didn't have. I have been assured by several bank employees that when I deposit cash through an ATM at the bank that that cash is available immediately - and the deposit slip also notes the same thing. The bank would NEVER have allowed me to transfer {$7900.00}. out of an account if the money was not there. 

I just did my taxes for XX/XX/XXXX and I found that this bank did exactly the same thing to me last year and hit me with 4 late fees of {$36.00} each - and I didn't catch it. 

This is happening at other banks also. Their software does not record deposits and intentionally records checks and other withdrawals BEFORE recording deposits which at times generate late fees from the banks ... this is illegal and needs to be stopped.
Consumer complaint received 2019-09-26
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc. (VA)

Company requested additional information because they cant find the account. The account number is XXXX Santander sold the repossessed vehicle for under market value ( {$3000.00} ) and inflated a demand for payment to {$13000.00}.
Consumer complaint received 2018-03-31
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Medical Data Systems, Inc. (GA)

They sent me a letter i received with the date of XX/XX/2018 and i received it on XX/XX/2018. On the letter stated I needed to contact them within 30 days but even through I debt via mail the same day they continued to collect. The same day I sent a letter via certified mail with return receipt stating that the debt doesn't belong to me and I advised that they not continue collecting. The debt collector never sent me validation of debt and I'm now seeking litigation for them violating the FDCPA subject to XXXX. If this debt isn't removed with 5 days, I will be seeking damages through XXXX courts for not only this collector but the other collector who they brought this debt from. Stop violating the FDCPA rules and do things the correct way. Now litigation is being seeked. You have 5 days to remove from my report, even after you violated my rights to dispute with 30 days. You collector really don't care. People aren't going to pay on debts they don't owe. I've been harassed even after I asked you not to, I had enough. Again stop trying to collect on an accounts that doesn't belong to a person. original letters will be shown at court.
Consumer complaint received 2023-02-01
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. (AL)

Transunion has claimed to have " verified '' the items I have previously disputed to be accurate and complete. 

However, when I pulled a new copy of my credit report, I noticed that the accounts and inquiries that I disputed are still there even though they are inaccurate and incomplete a I can tell that a proper investigation has not been conducted by Transunion. As a result of this, it has caused me to experience credit and loan denials caused by the willful and negligent actions of this company. 

This is a violation of 15 USC 1681s-2
Consumer complaint received 2019-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ALLY FINANCIAL INC. (GA)

Dear Consumer Financial Protection Bureau, CFPB ( COMPLAINTS : XXXX, FILED XX/XX/XXXX, XXXX-THURSDAY, AND XXXX, FILED XX/XX/XXXX, XXXX-MONDAY ) I AM PROVIDING THE REQUESTED ALLY BANK STATEMENT VERIFYING THE ALLY CHECKING ACCOUNT WHERE THE XX/XX/XXXX ( FRIDAY ) CONFIRMED BILL PAYMENT WAS DRAWN FROM WAS NOT " FROZEN ''. The active activity on the account during the months of XXXX XXXX-XXXX XXXX   confirm the account was not frozen. More important, ally bank does not have any judgments NOR writs of execution, WOES, permitting levying or " freezing '' any of MY ALLY ACCOUNTS ( ALLY BANK ACCOUNT CLOSED XX/XX/XXXX-thursday, Ally checking account XXXX ). This new CFPB COMPLAINT IS TO PROVIDE THE REQUESTED INFORMATION TO ALLY BANK AND INCLUDE WRITS OF EXECUTION FOR THEM TO ACT UPON. 

IN ADDITION, THIS LETTER IS TO DEMAND CORRECTION OF CREDIT REPORT AND DEMANDING IMMEDIATE CESSATION OF THEFT AND FRAUD ON ALLY AUTO FINANCE ACCOUNT FOR ( MY XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX. 

I DO NOT OWE you, ally bank, {$270.00}, I HAVE MADE 14 TIMELY PAYMENTS ( OF 48 TOTAL PAYMENTS ) STARTING  XX/XX/XXXX, XXXX-SATURDAY, TOTALLING {$11000.00}, AND THAT REQUIRES ACCURATE REPORTING TO ALL 3 CREDIT BUREAUS. XX/XX/XXXX ( FRIDAY ) AND ALL FOLLOWING MONTHS PAYMENT WILL NOT BE PAID UNTIL CORRECTION BY ALLY AUTO FINANCE HAS PROFESSIONALLY BEEN MADE AND MADE PERMANENTLY. 
IN ADDITION, ALLY AUTO FINANCE, MISS XXXX, MS. XXXX, AND MS. XXXX ARE NOT TO CONTACT ME. I am in receipt of a letter from MsXXXX XXXX refusing to make the required corrections. A telephone conversation on XX/XX/XXXX-Thursday at XXXX with Miss XXXX requesting ALLY BANK STATEMENTS DOCUMENTING THE ALLY BANK CHECKING ACCOUNT NOT FROZEN IS INCLUDED ( ACTIVE ACTIVITY ON ACCOUNT DURING THE MONTHS OF XX/XX/XXXX-XX/XX/XXXX ). 

I have included the payment history, and PAYMENTS HAVE BEEN FAITHFULLY AND TIMELY MADE WITHIN 10 days of the XXXX of each month since THE VERY BEGINNING ( initial purchase date of XX/XX/XXXX-Saturday ). 

THE NEGATIVE, ADVERSE, INACCURATE CREDIT REPORTING ( IN ERROR ) OF DELINQUENCIES IS AFFECTING MY CREDIT SCORE AND CREDIT WORTHINESS. EFFECTIVE IMMEDIATELY : REMOVE ALL DELINQUENCIES, LATE PAYMENTS, ETC., FROM ALL 3 CREDIT BUREAUS ( XXXX, XXXX, AND XXXX ) AND XXXX. XXXX IS REPORTING A CREDIT SCORE OF XXXX. 

This correspondence is to officially affirm to CEASE AND DESIST with any further ADVERSE INACCURATE CREDIT REPORTING effective immediately in accordance with " Fair Debt Collection Practices Act '' ( in 15 U.S.C. 1692 ). ALLY AUTO FINANCE YOU ARE IN VIOLATION OF 15 UNITED STATES CODE, U.S.C., 1692 AND YOU OWE ME {$1000.00} FOR EVERY MONTH YOU FAIL TO TIMELY MAKE CORRECTIONS Sincerely and Respectfully, XXXX XXXX MD Phone : XXXX Email : XXXX XXXX
Consumer complaint received 2019-09-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Nelson and Kennard (CA)

I had two credit cards with XXXX XXXX XXXX. 

I fell behind on payments after being sick. I joined a group called XXXX XXXX XXXX, who I paid to take over my accounts and get the debt reduced and paid off. I paid XXXX  a monthly fee. 

I then get served a summons after paying Freedom every month for over 2 years by these very mean and rude people at : NELSON AND KENNARD XXXX XXXX XXXX XXXX California XXXX XXXX I called Nelson and Kennard. I gave them close to my entire life story. The asked for my Employers information and the previous two employers information. 

Nelson and Kennard faxed over 200 times, called over 150 times and sent over 300 letters to my then employer. The messages advised the company the I was a fraud, a loser and should not be trusted. 

This is me versus a law firm. I was let go. After 5 months of being unemployed, I now have a job. 

What they ( Nelson & Kennard ) did to me has to be unlawful.
Consumer complaint received 2019-09-26
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (FL)

Yesterday on XX/XX/19 I received multiple phone calls from a lady claiming to be a compliance officer contracted with XXXX County Florida. She called my job, my parents, my ex-husband, and a person that is under a legally binding restraining order from my daughter. When she contacted my HR department, she told them that I was involved in a legal criminal action lawsuit. When I returned the number in case file, they said they were XXXX XXXX XXXX. They said it was in reference to a payday loan. They said that if I did not cooperate, they would seize all of my bank accounts and assets. They said that I would never be able to open an account in the United States again. I hung up, and contacted an attorney I know. I called back with him, and a different person answered the phone with a different name. When I asked to directly pay the debt, she said it would be very hard to convince these attorneys to take my payment and they had been working on it so I would have to pay more money. I told them they did not have permission to call me at work, and not to call me at work. Phone number XXXX. Case number XXXX. I hung up. The attorney that I called with said it was a scam. This morning, XX/XX/19, I received several more phone calls from an unknown number. My HR department also received another threatening phone call from this compliance officer. I answered the fifth phone call, and the lady started screaming at me on the phone. She stated her name was XXXX XXXX, and she worked for XXXX County. She started telling me that I am being located, and found. And that the police would be coming to my job. I explained that I had already called ACE Cash express, and this was not the company that my loan was sold to. She hung up on me. She then called back and left a threatening message that I was facing legal charges for hanging up on her, and that I would never have a bank account in the United States again. I called ACE Cash express to resolve the issue, but they sold my loan to someone else, so therefore I called that number, and they sold to someone else. I left a message at the last known number to pay my debt. These people claim to be XXXX XXXX. I would like to report this because I Specifically asked them not to call my work, and they continue to call my HR department. Also misrepresenting information to me and my employer. They also called someone who was under a permanent legally binding restraining order from myself and my daughter. This whole incident was very upsetting. I do have an outstanding loan somewhere, but I am not sure where to pay it. I am not opposed to paying it, I didnt realize that I had that loan, and I moved last year.
Consumer complaint received 2019-09-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CT)

I have had the XXXX credit card since 2007 and therefore do not have any of the specifics of the amount of late charges. 
I now know that the late charges are a flat fee of {$39.00} on any overdue balance. The interest rate is 27.24 %. I can't imagine that high a penalty on a clothing purchase. I have a credit score of XXXX and yes I have been a couple weeks late due to distractions of vacation and getting kids back to college. I feel that the XXXX is taking advantage of its consumers. It lures them in to use their credit card with receiving a 10 % discount only to gouge them when bills are more than one day late. 
I am in shock regarding this corporation.
Consumer complaint received 2023-04-06
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. (WI)

I have sent each credit bureau a letter updating my personal information and for some reason they can't seem to get it right. Each report shows different personal information. I have told XXXX on several phone calls and letters that my name is XXXX XXXX XXXX not XXXX XXXX XXXX. but they have not deleted it from my file. I have also told them XXXX XXXX XXXX does not belong to me and they still have not deleted it. I have updated my employer with TransUnion as The United States Postal Service ONLY. They removed all other employers but added XXXX back as an employer XX/XX/XXXX, which I have not worked for them in over 10 years nor do I have any business with them. Also, there is an inquiry on my file from XXXX since XX/XX/XXXX that I have been disputing but they refuse to remove it even after I've sent letters to both Transunion and the XXXX company stating that I have no business with this company and this inquiry was not authorized. I have informed XXXX in the letter and multiple phone calls that my ONLY address is XXXX XXXX XXXX XXXX XXXX, WI XXXX and they somehow deleted all old addresses except XXXX XXXX XXXX XXXX, which I have not lived at in 15 years nor have any ties to. I would like these matters to be deleted and updated right away as it is having a negative effect on my credit profile. I have attached the letter that I sent to all three credit bureaus as well as the letter that I sent XXXX that was returned to me. Thanks, XXXX XXXX
Consumer complaint received 2019-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (OR)

I have a bankruptcy showing on my credit report showing as discharged when it in fact was dismissed/revoked. 

Per XXXX they stated they verified this information from the courthouse. They did not. per PACER my disposition shows as " discharge revoked '' which means i should not have a bankruptcy on my file. 

I have frozen Lexisnexis as well because they are reporting inaccurately too. 

If you call the bankruptcy hotline you will see it says my bankruptcy is revoked. PACER shows Revoked.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : XXXXXXXX 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