davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/2019 i checked my credit score through my credit unions free monitoring system with transunion. The last time i checked it was on XX/XX/2019 it was XXXX. Today it has dropped to XXXX. I BORROWED THOUSANDS OF $ TO PAY OFF MY CREDIT CARD DEBTS. I HAVE NO OPEN ACCOUNTS. NOW THIS COMPANY IS PLAYING GOD TO DECIDE THAT THEY CAN COMPLETELY WIPE OUT MY EXCELLENT CREDIT & PENALIZE ME BECAUSE I AM NOT OPENING MORE DEBT. WHEN I CALLED TRANSUNION I COULD NOT EVEN UNDERSTAND THE CS AGENT. HER ACCENT PREVENTED ME FROM ASKING A SIMPLE? I WAS TRANSFERED TO A MNG WHO I STILL COULD NOT UNDERSTAND. ALL I ASKED WAS WHO HAD THE AUTHORITY TO DROP MY CREDIT SCORE, SHE SAID THE SYSTEM DECIDED SINCE I DID NOT HAVE ANY OPEN ACCTS. MY SCORE WAS LOWERED. SO ALL MY 20 YRS. OF PERFECT FAITHFUL PAYING OF THOUSANDS OF DOLLARS IN STUDENT LOANS & CREDIT CARDS MEANS  NOTHING? I WANT THIS EVIL PERPETRATED AGAINST HONES HARD WORKING AMERICAN CITIZENS STOPPED. I WAS NEVER LATE ON ONE BILL AND THIS COMPANY IS NOT GOD. THEY HAVE NO AUTHORITY TO RUIN MY CREDIT SCORE, BECAUSE I AM NOT PLAYING THEIR EVIL GAME OF DEBT. HELP ME AND EVERY OTHER HONEST AMERICAN WHO PAID OFF THEIR DEBTS.
Consumer complaint received 2022-05-04
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. (MN)

In accordance with the fair credit reporting act convergent account number 's listed below have violated my rights. 

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


Accounts XXXX XXXX This Collection Is Not My Account ACCOUNT NUMBER XXXX Date XXXX Balance {$32000.00} XXXX XXXXXXXX XXXX This Collection Is Not My Account ACCOUNT NUMBER XXXX Date XX/XX/XXXX Balance {$8200.00} XXXX XXXX XXXX XXXX  This Collection Is Not My Account ACCOUNT NUMBER XXXX Date XX/XX/XXXX Balance {$400.00} XXXX XXXX This Collection Is Not My Account ACCOUNT NUMBER : XXXX Act. # XXXX Date XXXX Balance {$3000.00} XXXX XXXX This Collection Is Not My Account ACCOUNT NUMBER XXXX Balance {$570.00} Date XXXX XXXX XXXX This Collection Is Not My Account ACCOUNT NUMBER XXXX Balance {$4400.00} Date XX/XX/XXXX
Consumer complaint received 2019-03-19
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (MI)

On or about XXXX, CACH LLC by and through their attorneys XXXX XXXX XXXX XXXX XXXX, served or caused to be served on this honorable consumer and his employer a writ of garnishment in connection to a judgment CACH LLC obtained in the XXXX A district court of XXXX on or about XX/XX/2012. 

CACH LLC was without an assignment of the alleged debt in the trial court action. That deficiency was overlooked by the trial court judge. 

CACH LLC is not now, nor have they ever been licensed to collect debts in the state of XXXX. 

This consumer has ordered verification of CACH LLCs unlicensed status with the state of XXXX.
Consumer complaint received 2018-10-16
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. (UT)

ALL The credit bureaus are refusing to provide results and remove fraudulent information from my credit report. 
XXXX has stalled on all my disputes I have sent, I have sent 3 in the last 60-90 days and they continue to ask for proof of my identity. I have sent my ID, Proofs of address & a copy of my social multiple times. I have filed previous complaints and they still ask for this info. I need the CFPB to step in and do something. I have attached ANOTHER proof of identity.

There are items on my credit report that ARE NOT MINE!! All 3 major credit bureaus are reporting them and I have disputed them yet they stall or say they are valid. I would like to demand to know how you verified these inaccurate accounts? 
MY NAME IS COMMON AND OFTEN I GET STUFF FOR A XXXX XXXX ON MY CREDIT BUT I USE MY FULL NAME FOR ALL MY STUFF. MY FULL LEGAL NAME IS : XXXX XXXX XXXX XXXX. 
I am contacting my attorney and the attorney general in each area of your operation. 
THese accounts are not mine : all the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (GA)

ALL 3 CREDIT AGENCYS AND COLLECTION COMPANIES REPORTING OUTDATED ACCOUNTS SINCE XXXX... ..ID FRAUD accounts open without my consent and not my accounts ... '' IQ INTERNATIONAL AND XXXX XXXX XXXX XXXX XXXX XXXX.AND VIOLATED " FCBA, FCRA, FDCPA ''
Consumer complaint received 2018-12-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (DE)

I believe Wells Fargo should not collect a fee on an equity mortgage application until the credit has been approved as my wife and I are told we have to wait 30 to 45 days for a refund. We have some money, so we can wait but what about people who are broke and apply and are put in the same situation as the fee is over XXXX dollars. The following is what happened : On XX/XX/2018 my wife and I applied for a home equity loan against our newly built fully paid for home. XXXX loan with XXXX home value. After two weeks on XX/XX/XXXX were told to pay a fee of XXXX to allow the process to continue and were told the loan should go through by XXXX XXXX, which we paid.. I was told to call the bank the morning of XX/XX/XXXX and found the loan had been declined. I would like the XXXX back, as I believe the bank should have told us prior to paying a fee, the loan was declined. No appraisal was ever performed. I believe the fee was requested just to collect money. The bank should not collect any fee until the loan is approved.
Consumer complaint received 2018-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

My loan servicer ( Navient ) reported a non-payment to credit bureaus after I transferred my loans to another company without properly informing me that I was still responsible as a co-borrower for one of my spouse 's loans. The letter I sent to them is pasted below. 

XX/XX/18 Dear Navient Representative, I am reaching out to you regarding a series of non-payments that were reported on my account beginning in XXXX. As a result, my credit score has dropped from over 800 to less than 700. Since I transferred the servicing of my federal student loans to another company last year, I was under the assumption that I did not owe anything. When I received E-mails stating that I still owed money after the transfer completed, I called Navient and was told to ignore the messages since they are automated. I even logged in periodically just to be sure, and my balance showed XXXX and transferred. Once I became aware of my falling credit, I discovered that the non-payments were from my spouse 's account. When we called to inquire last month, we discovered that I was listed as a co-borrower on a consolidation loan. Needless to say, I was perplexed since all amounts I have ever borrowed for college tuition had been transferred to the new servicer, and I had not received any postal mail notices or phone calls regarding the other account. Additionally, my name is not listed on her account when she logs in, so there is no way for me to know that I bore any responsibility for those balances. I did receive a couple of payment reminder E-mails, but again, when I logged in to my account it was still listing a XXXX balance. We have since requested a forbearance to deal with this issue financially, but I would also like to request an investigation into this situation, and hopefully the removal of the non-payments on my credit report. I have always been a good steward of my student loan obligations and do not have a prior record of payment irresponsibility. A copy of my credit report is enclosed for your review. Thank you for your consideration, and I look forward to your reply. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2022-06-12
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. (GA)

I have recently written into all 3 bureaus asking that my personal and demographic information be updated correctly. This was requested in writing via certified mail and XXXX, EQUIFAX and XXXX has not made any effort update any of what I requested with supporting documents.
Consumer complaint received 2022-10-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (MT)

On XX/XX/XXXX at XXXX I went to go send my friend some money through XXXX XXXX and my account got blocked after that and I have contracted Citi Bank XXXX times and they said that they can't verify my account via phone number and my phone numbers are on there since I opened this account and they also said that they sent a letter out with a reference number on it and I've been waiting for that letter for 3 weeks and I continued to call them about this issue and they also said that the sent out 3 more letters and I can't close my account because they need to verify my identity to have full access to my account so they can close it so I really need help with this issue and my checking account is still currently blocked and I can only see my savings account on the mobile app and not my checking account.
Consumer complaint received 2020-01-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WINN LAW GROUP, APC (CA)

I recently found out that I was a victim of Identity theft. Someone used my personal information to open a loan with XXXX XXXX XXXX about 15 years ago. The current balance is {$11000.00}. I believe this creditor is located in the State of Ohio, where I never have lived. I have been a California resident for my whole life. In addition, I have never received any type of communication regarding this matter. I was never served or receive any summons from the court. I never had a chance to go to the court and defense myself on this case. 

I already filed an ID Theft report and a Police report on this matter. All the required documents were sent to Winn Law Group, current collector, I believe. According to the Fair Credit Report Act, Winn Law Group is supposed to stop all collection activities and dismiss the judgement resulting from ID theft. However, we did not come to an agreement on this matter. Therefore, I'm asking the Consumer Financial Protection Bureau to promptly take action on this serious matter. I'm willing to provide all the proof for this fraudulent case.
Consumer complaint received 2018-12-09
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. (WA)

After separation from my ex-husband, and subsequent divorce, I came to find out that I was still listed on our joint bank account and the balance had fallen into the negative. The negative balance associated with this account was well over {$1000.00}. I was fully unaware of the negative status of this account, and certainly had no idea that it had been charged off. I am still unsure of how it is legal for a bank to allow such an excessive charge to pass through, when there is no money in said account. In the terms of our divorce decree, it is stipulated that any and all debts incurred during the time of our legal separation are the financial responsibility of the party who acquired them. These charges were incurred solely by my ex-husband, and the bank associate even confirmed that it was clear to her, that the only debit card in use was his own personal card. Mine was entirely inactive. Even after calling in and pleading my case with the bank and offering to provide proof in the form of divorce documents, there was no consideration made to removing me from the liability of this debt. This debt affects me in two critical ways : I am unable to obtain any new bank accounts in the future until this debt is fully paid, and secondly, it is strongly impacting my credit score in a negative way. As a now single mother, I simply can not afford to pay for the gross financial irresponsibility of my ex-husband. That being the case, I feel XXXX should reconsider my request to remove my financial liability from this account, and the continuing mark on my credit, and be satisfied in pursuing XXXX XXXX for his debt.
Consumer complaint received 2018-10-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Schreiber Law Firm, PLLC (FL)

Company is XXXX. I have no open credit cards, ever. They are stating I owe a certain amount of debt when I have NO debt. Gentleman on the phone was very rude and had no concern of the do not call list. Harassing phone calls when I have stated MULTIPLE times to take me off any call list.
Consumer complaint received 2018-12-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Recovery Management (TN)

I was contacted in XX/XX/2017 by XXXX XXXX XXXX regarding an amount of {$920.00}. 

this was for medical services. upon investigation, the medical provider made an error when applying the charges to my health insurance provider The medical provider resubmitted the claim to my health insurance company and it was then paid. 

I've contacted both the collection center and the medical provider and asked them to delete the record.
Consumer complaint received 2018-12-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On the day of XX/XX/XXXX, I mailed off a letter to XXXX/XXXX XXXX XXXX. in that letter was a statement saying that the company agreed to delete/waive a late notice that was marked on my credit report XX/XX/XXXX when they decided to cash a check I also included in the envelope. The check included was in the amount of {$190.00} for the payment of that month. XXXX converted the check to a digital check and cashed it, but the late notice was not removed from my credit report.
Consumer complaint received 2018-10-16
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Alliant Capital Management LLC (IN)

Keep calling saying they are filing a lawsuit against me! Do not know who this is and they refuse to let me know what the debt is or who it is. Calling relatives and won't stop calling!
Consumer complaint received 2023-03-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group (WA)

Velocity Investments LLC contacting me about owing a debt to XXXX and I requested a debt validation letter via the mail on XX/XX/2021. I did not receive it and have been receiving calls about it instead. I have the Certified Mail Receipt verifying that I sent it to Velocity Investments. 

They sold it off to XXXX, XXXX XXXX XXXX, XXXX so they could get around this. I requested another debt validation letter but I feel I am entitled to be responded to in a timely matter, so I could make arrangements for payment if I received the letter of validation.
Consumer complaint received 2022-05-04
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: National Credit Systems,Inc. (GA)

On XXXX XXXX I found National Credit systems on my report and it is inaccurate 15 U.S. Code 1681 -. ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2018-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Premier Student Loan Center (WI)

On XX/XX/XXXX I was contacted by a XXXX XXXX from XXXX XXXX  XXXX also known as Premier Student Loan Center, regarding my annual for the Federal Student Loan forgiveness program, XXXX requested 2 of my most recent paycheck stubs in order to process my renewal. I gave these to him. 

He confirmed he received them on XX/XX/XXXX. 

On XX/XX/XXXX I received an email from XXXX Department of Education Loan Servicing stating that my request was received. 

On XX/XX/XXXX I received another email from XXXX stating that my request was reviewed and approved, I received another email from XXXX stating that there were forms in my XXXX inbox that needed to be reviewed. I logged into my XXXX account to review said forms, while logged in I decided to take a look at my account summary and see how much my new payment amount would be and how much I have paid down since my last renewal. To my surprise, it showed that I have never made a payment. This was very alarming to me since {$30.00} is deducted out of my checking account every month. 

I called XXXX on XX/XX/XXXX to see what was going on. The rep that I spoke with stated they have in fact never received a payment from me as I have qualified for the {$0.00} monthly loan amount with my last few renewals. The Rep and I took a look into it and found that the company ( XXXX XXXX XXXX also known as Premier Student Loan Center ) was reporting my information to XXXX incorrectly, increasing my number of dependents to put me in a different payment bracket. The Rep at XXXX was very helpful. 

After my conversation with XXXX, I went back and took a look at all of my email correspondence with XXXX XXXX XXXX also known as Premier Student Loan Center and found a contract from XX/XX/XXXX. The company has been charging me {$30.00} a month plus additional start up fees, to submit my renewal to XXXX, they have been reporting the information to XXXX incorrectly and could potentially damage my credit with the program as well as my credit future. 

The contract with XXXX XXXX  XXXX also known as Premier Student Loan Center was never explained in such a way and has now cost me {$1400.00} in fees of which I thought were going toward my student loans. I am concerned that I am not the only one with the issue and being on the limited budget that I am, this is very concerning to me.
Consumer complaint received 2022-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

I have 42 hard inquiries most of them werent authorized but besides the point the number of hard inquiries is not reporting ACCURATELY across all 3 bureaus. This is stopping me from a fair/accurate credit report.
Consumer complaint received 2020-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX I discovered that my Citibank debit card was compromised online and used fraudulently. In the following days, I discovered a few transactions that I did not authorize and promptly reported them to the bank. All of the transactions have been properly reversed and credited back to my account including the transaction from XXXX in the amount of {$1400.00}. 

During the last week of XX/XX/XXXX, I received a letter from the bank stating that this transaction will be debited from my account on XX/XX/XXXX because the bank received documentation from XXXX stating that something was delivered to my address from XXXX on XX/XX/XXXX. 

I have no idea what was delivered as I did not place any orders from this company. I have not authorized this transaction. 
I have reported my debit card as compromised on XX/XX/XXXX and the delivery date that was given was in the first week of XXXX - number of days after my card was reported as compromised. I don't have a XXXX account and I did not use their service at all. 

Since XX/XX/XXXX I have sent a letter and fax to Citibank to request that this debit be corrected. I have placed numerous phone calls to the dispute department and as of today, nothing has been done to correct the problem. 
Please, credit my account for this unauthorized transaction ASAP. I should not be out of my money for weeks on end for a transaction that I did not make. Thank you.