davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

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 XXXX XXXX  # XXXX ( fraudulent and currently in dispute ) ; XXXX : # XXXX XXXX XXXX XXXX  XXXX  : # XXXX ; XXXX XXXX : Charged off as bad debt/Profit and loss write-off yet sold my information to a collection agency that is currently suing me.

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 an 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.

15 U.S. Code 1681 ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2018-09-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Associates has been harassing me about a credit card debt that is about 10 years or older. The debt doesn't even show up on my credit report anymore and the first thing they say when I answer is legally they can't do anything to collect the debt and can not sue me as the statute of limitations has passed. Then they proceed to say that morally I'm obligated to pay a debt I owe. This is just basic business at this point. I '' m not going to pay a debt that they have no legal recourse to collect and can't impact my credit history negatively.
Consumer complaint received 2018-08-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IL)

I was making overpayments towards my XXXX XXXX loan through Navient. I had selected the " Quick Pay '' option not realizing that overpayments would not be applied to my principal. 

I got ahead in my payments and for a couple of years enjoyed " {$0.00} due '' on my statements. There was never any indication how ahead in my payments I was. 

However, my balance never went down. My balance remained at " {$3800.00} '' between XX/XX/XXXX until XX/XX/XXXX when I noticed that my balance hadn't moved. 

I called my servicer and they told me that overpayments only pushed my payment date back. Any money would be applied to unpaid interest, and the rest would push my due date back. 

I asked my servicer to reapply my payments to go towards my principal ( which i thought i was doing anyway XXXX and they refused. I paid {$970.00} towards interest only between XX/XX/XXXX and XX/XX/XXXX. There were many months where money wasn't applied at all. My balance never moved. 

If I didn't catch this, there's no telling how long this would have gone on. 

It's frustrating because I was AHEAD in my payments and my balance didn't move AT ALL. Had I made my payments as normal, my balance would be hundreds of dollars lower. 

NAVIENT STOLE {$970.00} FROM ME!
Consumer complaint received 2018-05-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivable Recovery Services, LLC (OR)

I just received an email from XXXX XXXX stating that my credit score has dropped. I investigated the issue. I found a new collection account from  XXXX XXXX XXXX in the amount of {$1000.00} from the originating claimant of XXXX XXXX XXXX XXXX. According to the information provided the collect account was opened XX/XX/XXXX ; however, I check my account with XXXX XXXX bi-monthly and this email of notification of a new collection account was just received this morning at XXXX XX/XX/XXXX. 

If this account was open XX/XX/XXXX, I was denied my rights to Section 809 of the FDCPA. I have never received any written notification from XXXX XXXX XXXX.
Consumer complaint received 2023-03-18
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. (NY)

Consider this as my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$670.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$500.00} XXXX  XXXX Balance : {$190.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-07-10
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: Experian Information Solutions Inc. (NY)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc. (PA)

I have disputed errors on my credit report. They say its justified but showed no proof. None of my debt is updated and my XXXX loans are in forbearance due to family emergency medical bills and XXXX XXXX impact on finances. Im also in XXXX and XXXX. I have XXXX children. Two of which are XXXX. None of my reports are even accurate. This is severely impacting my ability to move forward. I need help. 
XXXX loans remarks are severely affecting my credit. XXXX doesnt update my acct timely and Ive been on time. Comemity Bank harassed me and is rude and discriminating and forces payment plans that I can not accept or is not in my financial price range. I cant get loan for a safe car for my kids due to all this incorrect errors or even a safe home to fit all my kids and we are not living in a healthy home either. Plus I have no idea why there are so many aliases and inquiries. I made a couple trying to get an auto loan for a safer vehicle but due to all this incorrect information its causing my family and myself XXXX XXXX Please someone help me.
Consumer complaint received 2023-03-18
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. (LA)

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. 

XXXXXXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX 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 2022-07-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (TX)

I received a notification on my XX/XX/XXXX about my credit score, that it had dropped down. I checked my score and credit and it said I was placed on collection from a tax collector company named Credence Resource Management LLC. I spoke to them and they said I had a balance due of {$1600.00}. They told me it was from XXXX XXXX XXXX XXXX XXXX. I told them I have never had XXXX XXXX XXXX XXXX XXXX Ive been with XXXX for many years now. I contacted XXXX XXXX XXXX XXXX XXXX and they indicated I had never had an account with them and they had not sent any bills to a collectors agency. I spoke to XXXX XXXX XXXX about I having XXXX XXXX  many years ago but the account was closed and I owed XXXX balance. They checked the account and I Don't owe them anything. Ive alerted XXXX XXXX XXXX XXXX about the possible fraud and they placed my account under possible fraud case. Im waiting on them to reply in a few days with whats the next step. Credence Resource Management said I had to filled out a fraud package with them and sent it to XXXX XXXX XXXX. With the address provided from them on the packet, I saw there is no XXXX XXXX XXXX fraud agency in the area. I blocked them on my email and flagged the email so i have it as evidence. As well I have never received any calls or emails from XXXX XXXX XXXX or XXXX on any bills I owed. Im very responsible with paying my bills on time. I was working hard on keeping my credit score high and now im a victim and lost many points on my credit score. I already froze my credit with all three credit accounts. im so upset about this please help!
Consumer complaint received 2022-07-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

N accordance with the Fair Credit reporting Act of 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 604A. It also states a consumer agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LTD Financial Services, L.P. (FL)

I had an account with XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX The balance was XXXX ; however the status should be deleted because I paid for delete by settling the amount. I paid XXXX ref # XXXX with agent XXXX XXXX at XXXX XXXX XXXX via the phone.
Consumer complaint received 2018-09-06
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital One Spark Business Billing Disputes Department XXXX XXXX  XXXX XXXX XXXX XXXX, UT, XXXX This letter was the dispute of a charge of {$1900.00} on my Capital One Spark Business Credit Card. The charge is inaccurate and false for several reasons. Most notably, I never received my promised goods delivered from the vendor, XXXX, due to their misleading and vague sales practices. I am requesting you return my funds, reverse this charge and credit my account the aforementioned amount, no more and no less, or I will be forced to take legal action plus report your company to the applicable federal and state trade commissions. 

To summarize : After placing a large order with XXXX XXXX, XXXX was enlisted to ship my purchased goods to my physical address. According to Capital Ones terms and conditions, any purchases made from a seller that are deemed to be misleading in nature, or which fail to provide the agreed upon purchased goods or services, are eligible for cancellation and a return of the funds charged. I was both mislead and never received my purchase, whole or in part. I was first mislead after being told my order was set to be shipped to my physical mailing address where I requested the order be delivered. I have documentation showing the orders intended shipping address as being the aforementioned XXXX XXXX XXXX XXXX. This is only one of many misleading aspects of my purchase and subsequent disputed transaction. Below you will find screenshots of our transaction with XXXX and the way they refused to take our payment, then our canceled payment.
Consumer complaint received 2018-08-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Amsher Collection Services, Inc. (TX)

I mailed a certified letter to Amshercollection services. They have the same physical address under a law firm that they use to intimidate customers. The certified letter was returned to me without being opened. I requested proof of contract to substantiate their claim. I wanted a certified copy of an original contract, with my signature, specifically naming their company as a entity to enforce a commercial claim against me. Fair Isaac Credit Act says all debt has to be 100 percent verifiable.
Consumer complaint received 2018-12-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY (AK)

I received an unsecured personal loan from Wells Fargo. In making payments on this loan I noticed that the loan interest and due dates would not reflect my payments. I approached my local Wells Fargo bank branch manager regarding the issue. After 2 weeks the issue is not resolved and I've been told that due to technical issues my loan issue has been escalated to the executive and technical branches of Wells Fargo. I was also told that I was not the only person experiencing this escalation of the technical issue. At this time I'm unable to make loan payments and the daily interest is unfairly accruing because I'm unable to make a loan payment.
Consumer complaint received 2018-08-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC (CO)

1. For the last 16 months Ditect has not responded to 16 certified mails requesting a monthly mortgage statement. ( All dates and tracking numbers available upon request. ) No response at all. They have previously responded to address, email and phone number. No mortgage statement has be sent to me. Our records indicate the entire mortgage was paid in XX/XX/XXXX with the last payment, Check # XXXX. Certified mail w/returned signature : XXXX XXXX XXXX XXXX. There has been no response to the request for the delivery of Deed of Trust or the Promissory Note. 

2. Because not statements have been received for 16 months, reviewing the tax statements from XXXX Ct , CO. it appears there was an overage of approximately {$150.00}. Where has this money gone? Was it rolled over into the next years tax account? No refund was ever sent to the mortgager. 

3. Physical records indicate payments received i.e. XXXX of the month via certified mail. Their documents to Credit Reporting bureaus show late fees accessed and reported late payments on XXXX of the month. This has happened several times resulting in a decline of over 100 points in my score. This is blatant consumer fraud, the same as the Attorney General of Massachusetts fined Ditech {$1.00} XXXX to settle allegations it had violated Massachusetts debt collection laws. This is in violation of the F.C.R.A. 

4. It has been necessary to consult council and we are proceeding with legal actions against Ditech. They refuse to release Deed of Trust although all principle has been paid. According to our records, accompied by monthly certified mail receipts, there are no late fees. Each month was paid in full before the due date. We pay the insurance, and because of no response from Ditech, can only guess where the current tax escrow is.
Consumer complaint received 2018-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I contacted XXXX to request two late payments to be removed and was told to file a complaint or dispute instead ; XXXX will review the facts of the complaint or dispute and make a determination after. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account Number : XXXX XX/XX/2018 To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains two ( 2 ) late payments reported XXXX & XX/XX/2018 for my 75-month Installment Loan account. 

I want you to know that I understand my financial obligations, and if it werent for me losing my job due to being laid off, I would still have an excellent repayment record as noted with my payment history. I made a mistake when I fell behind, but since then, I have successfully gained new employment with XXXX XXXX grossing $ XXXX annually. Since then, Ive had a spotless record of on-time payments. 

As a single father of XXXX boys who I currently have full custody of, Im now planning to go from being a renter to a homeowner. With my plans of applying for a mortgage, its come to my attention that the missed payments on my record will hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments for both XXXX and XX/XX/2018. 

Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Consumer complaint received 2018-09-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (MA)

I am begging someone to assist with issue. There is currently a sale date scheduled for this coming Tuesday, XX/XX/2018. This file is under contract and ready to close within a month. We have sent in the signed purchase and sales agreement and all other documentation requested. US BANK WILL BE GETTING A FULL PAYOFF as a result of the sale. We sent in everything over a week ago and it sat on someone's desk and never got reviewed. We finally got it into the hands of someone that requested the postponement and was just waiting on a manager to approve it. 

I spoke with the manager- XXXX ID # XXXX who said " unless you pay me my money, I'm not postponing the sale ''. Unless XXXX is the owner of US Bank and will be receiving the payoff into his own bank account, I don't believe he has any authority to treat anyone like that. We just talked a sobbing, broken woman down for the past 45 minutes telling her we would do everything in our power to help. this is unfair and deceptive to not help me avoid a foreclosure. 

My XXXX year old son suffered a XXXX XXXX because of the stress of losing our home and I am on the edge of the same. I need the proceeds from the sale in order to secure housing for me and my poor son. 

We are just asking that the auction be postponed in order to allow the sale to happen so that I can recover from the trauma of it all. I am attaching all relevant documents to this complaint Is there anything at all in your power to help us
Consumer complaint received 2018-08-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC. (FL)

Yes I have repeatedly asking Midland credit company not to call me, for I have no income, at this time and they can continue to call me at all times of the morning and or night repeatedly and I want it stop. I am currently on short term XXXX because I am XXXX with my XXXX and these calls only causes my XXXX to escalate further. The man name is XXXX and is calling from XXXX XXXX and I want this company to stop it. Also I am receiving consistantly calls from Minnesota at XXXX XXXX that I want to stop. Calls from Arizona XXXX XXXX, XXXX FL XXXX and XXXX FL XXXX XXXX, I know this is this same credit card company attempting to contact from different locations. I want this harrassment to stop.
Consumer complaint received 2022-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: M&T BANK CORPORATION (PA)

on XXXX XXXX Someone took cash advance off my credit card XXXX plus cash advance fees XXXX in XXXX XXXX XXXX XXXX  XXXX XXXX I was not in XXXX XXXX on this date I live in XXXX and was home during this time. The next day on later on this day not sure I wanted to use my card and it was denied I called and ask why the credit card people said there was suspicious activity on card and we cut it off was it you I said no it was not me Im in XXXX  They said we will send a new card out! Then I get the bill for these charges XXXX cash advance charges and fees I call I dispute these charges they said they investigate within 4 days they denied it said I had card still in my possession I said but I didnt do it they said a card with my pin was used I said I read in XXXX skimmers are being found with cameras on them that is how peoples pin stolen they still denied it. Now weeks before this happen I was in XXXX visited a friend used atm at a XXXX XXXXtore ATM outside to get cash but his was weeks before maybe a month no where near this XXXX XXXX area on this date. I am a honest man I would not say it was not me if it was What M & T credit is calling me is a XXXX and XXXX and I won ; t stand by for this I did not do this!!! Im so upset I dont know how this happen I would never go into this high crime area and withdraw cash I sent them police report # and my GPS info and still they denied said i have to pay I cant do this on fix income and I cant because i did not do this!!!
Consumer complaint received 2022-07-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (FL)

N accordance with the Fair Credit reporting Act of 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 604A. It also states a consumer agency can not furnish a account without my written instructions