davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

XXXX, Experian and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 30 days I would like these accounts removed from my credit Report This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion
Consumer complaint received 2018-08-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

I was directed to a forbearances several times through out my loan woth navient increasing the overall interest of the loan and growing the loan total. Also the interest seems to build always even while repaying making it impossible to pay off the actual loan to them.
Consumer complaint received 2022-03-09
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. (MO)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-04-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCS, Inc (IA)

I would like to add new documentation to my complaint against XXXX XXXX. The reason why i filed the complaint is the tactics they used to get more time to serve me. They knew i was out of town and have known it for awhile. I had a a case i lost which was the first part of all this. I couldn't make it back cause i was out of town working so i filed for a continuance. It was granted but when the time came i was still out of town and the my motion was denied. I called XXXX XXXX and XXXX to ask for more time and they wouldn't. I have called there repeatedly about this new one. I have told them several times i was out of town. I had even scheduled a time to pick the notice up there at there office. In the first case it was an over payment and they held a check for me until i came in town to pick it up. So when they filed the notice to serve by pulication stating i was hiding is a lie. Its what they had to say to get the court to give them time.
Consumer complaint received 2018-08-15
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Premier Holdings (UT)

1st Call.

I received a call from ( What I was told ) Premier Holding Litigation out of Texas. The first thing said to me is that I have a judgment against my Social Security Number. I said okay what it is about. I was transferred to another person. I was then told I had a judgment against me for {$19000.00} ( State and county courts named ) and a lien was about the be put on my house with the ( address given ). I asked what it was about and the person on the other end told me that it was an old auto loan from XXXX XXXX. She then told me that my paychecks will be garnished. I asked how old the debt was. She said last payment was in XX/XX/2009, so I asked if the statute of limitations was up and she said no it was 10 years. ( I live in Utah its 6 years ). She then tried to get me to pay {$5000.00} dollars to resolve the debt. I said I would not pay for a debt I don't know anything about and that they need to send me information on the debt. She said they could do that but by the time I got the paperwork, the garnishments will have started, and then she explained that if that happens a total of the payments garnished will be {$42000.00}. She told me I had until XX/XX/XXXX to pay {$5000.00} to avoid the garnishments. I then asked ; if they have a judgment why would they settle? She said it is in arbitration before the court executes the judgment. I asked ; why I had not been served papers? She said that it wasn't in court yet but was about to be filed. I told her I would call her back. That's as far as it has got at this point. 
2nd Call I got a call about 4 hours later from the same person at Premier Holdings. When I asked them to send me information on the debt she again threatened to sue and said they had tried to contact me before and could not. I told her that this is a time barred debt and she got extremely angry and said they are suing, they have a judgment, and they are going to foreclose on my house and hung up.
Consumer complaint received 2022-03-09
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. (MO)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-08-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Mortgage lender reported to Credit Bureau that shows a 60 day late payment in XX/XX/XXXX for a XX/XX/XXXX payment on my credit report.Original loan was indeed in my name but in XX/XX/XXXX Came a divorce.In the Final Divorce Decree it's ordered for the Wife the divorce filer Be Liable For All Future Payments of said mortgage and hold husband NOT LIABLE for any such payments as entered in the decree as of XX/XX/XXXX. After speaking to the creditor and the credit bureau I fear the resolution will not be the proper and fair decision since I'm not liable for the mortgage that by law belongs to another. Creditor (Mortgage Lender) has already stated in the phone conversation on the morning of XX/XX/XXXX that there would have needed be an application for a loan assumption which by my standards is not acceptable nor fair. So I have taken by their comments that the information remains on MY credit report for a loan and property that I did not own at the time of reporting by creditor and credit bureau.
Consumer complaint received 2018-04-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO. (MD)

on XX/XX/2018 the vehicle was totaled. chase was made aware the very next day. chase not only applied late fees to the account while waiting for the insurance payoff check, they waited almost a month before depositing it. chase also claimed they would get the gap insurance started ( XX/XX/XXXX ) when i called the gap insurance in XX/XX/XXXX, they had not even reported the vehicle was totaled. gap insurance was swift in its payoff amount and chase again held the check for almost 3 weeks and started applying late fees. when i confronted chase about it, they reversed all the late fees. after chase finally deposited the gap check, they reversed their reversal of all the late fees and started adding random fees titled " late '' making my last payment of XXXX go to almost 300 . chase also said they would not put anything negative on my credit report and again they lied and put that my final payment was after the 30 day mark even though it was paid, recorded with my lawyer present at the beginning of XX/XX/XXXX.
Consumer complaint received 2018-08-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (CA)

I was paying XXXX XXXX XXXX a monthly payment of {$50.00} and sent to their address on XXXX XXXX. in XXXX the payment was returned. I tried to submit payment again in XXXX, and XXXX with the same result. I also called the business on XX/XX/XXXX and XX/XX/XXXX, but was unable to leave a message. 

Fast forward to XX/XX/XXXX when I received a 5 day notice to pay a past due amount of {$350.00}. I had never received any written, verbal, or electronic notice from them, despite the fact that I was told they had sent notice of their new address in XXXX and XXXX. 

I couldn't send a payment if I didn't know where to send it. I should not be held responsible for past due, or in the very least, be given some leeway on the past due amount, since I never received any written notice on their change of address, though they insist that they sent it. This is not the first time this has happened with this company, as I had initially found out they had taken over my debt by receiving a wage garnishment notice.
Consumer complaint received 2020-06-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (TN)

I have been in chapter XXXX bankruptcy for several years, I dismissed the bankruptcy because I wanted to get my mortgage back in good standing. I requested mortgage assistance from Flagstar my mortgage company and they are giving me a difficult time processing with my request. I call to check the status of my mortgage assistance request, I'm always told I have documents missing or they have and incomplete file. I have faxed requested documents several times, I feel Flagstar is giving me the run around is trying to make me loose my home
Consumer complaint received 2021-03-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/XXXX I disputed negative accounts that were listed on my credit report with transunion as well as the other bureaus since then there had been two disputes closed out without any information sent to me from Transunion regarding transunion investigations, the information I submitted for removal has not been addressed and it has been way over 40 days and two full months that Ive been disputing with them.they have failed to remove the negative accounts that were not mines or associated with me and that are on my credit profile.
Consumer complaint received 2018-08-15
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 — Their investigation did not fix an error on your report
Company: AES/PHEAA (CA)

These 7 accounts ( attached ) were first opened in the XXXX 's. I have been enrolled in several different payment plans and I have never once been late. ex : After I would complete a 12 month plan then I would receive information from so many different collection agencies instructing me that my account had been transferred and that I would be notified by mail whom the next collection agency would be. I always kept up my end of the bargain. Keep in mind I was always asking for deferment, constantly explaining my hardships. However, I completed every payment plan they set me up on and I believe it was a total of 3 - 5 maybe. I have been on a income based repayment plan for several years ( attached ) and I don't think its fair to continue to report this to the credit bureaus. I can not rent an apartment or even think about getting a job because this bad report keeps showing up on my credit. 
Furthermore ; these loans are from me attending several schools ; XXXX, XXXX, XXXX College, XXXX XXXX College and XXXX College.
Consumer complaint received 2018-08-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY (NY)

I went to the this location to close an old checking account and request a new account and I ask to speak with Personal Bank not a Customer Services Representative the Representative XXXX XXXX NMLS # XXXX claim that she close my account and transfer my {$1800.00} to new account of Convivence Check and to leave {$69.00} in the for any pending transaction I explain to the XXXX that I need my debt card and she issue me so she gave me a temporary debt and I explain to this Customer Services Representative that I need my debt card. Because the Customer Services Representative was acting like a Personal Bank she did not process the debt card correct I went to use the debt card to pay for my Transportion back to XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX and it declined my transactions and when called the branch the could not explain why it did not work or why it was decline and I called Customer Number on the back of the card and XXXX the customer services represented informed that they could not see any other card that was issue to me temporary nothings. Is it legal for tellers and Customers Services to handled Personal Banking Matter with customer especial when you have request a personal bank is this legal? All misconduct and mismanagement found all individuals involved be convited according to United States Federal Regulatons
Consumer complaint received 2018-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (NC)

XXXX XXXX sent my debt to a collection agency. The agency was called " Receivables Performance Management. '' This agency sent me a letter stating that if I paid XXXX by XX/XX/18, that the remainder would be forgiven, and the balance be considered " settled in full '' and those words were in BOLD font. After reading the letter I received, I was given to understand that I would not receive a forgiveness of debt XXXX, that this was a " settled debt ''. 

I called in to confirm that this was correct, and identified myself and stated that I would do so. they wanted credit card payment but I stated I would be sending a check. They said it had to be received by XX/XX/18. I accepted the offer and complied. 

I sent the check on XX/XX/18, and it cleared my bank XX/XX/18 in the exact amount stated on the letter from Receivables Performance Management , LLC. 

I was declined for a car loan yesterday by XXXX XXXX XXXX XXXX due to this derogatory information. I can only assume my credit score would be improved if this had been corrected in XXXX when it was paid. 

I went to a XXXX store today and was connected DIRECTLY from their store line XXXX to XXXX XXXX XXXX, who ( XXXX XXXX ) stated that they " had no North Carolina Insurance Permit '' and that I owed the remaining {$440.00}. They said that they had been assigned the debt on XX/XX/18, and specifically stated that XXXX had assigned the debt to them. I am also enclosing an email from XXXX XXXX dated today showing my debt is marked " no balance due. ". 

As I was inside the XXXX Store ( 3rd party retailer ) the Customer Service Agent heard the XXXX XXXX  person say that " only XXXX '' could correct this and the XXXX person say that " they had no control '' over this debt. 

It appears that XXXX sold this debt twice. It was clearly assigned to RPM, LLC and I met their offer and timely replied. RPM gave it back or sold it to XXXX XXXX. I even got an email today showing a " confirmation number '' of paid in full from RPM. Settled in full means settled in full. It doesn't mean another go round. 

My bank, through their online bill pay system put the phrase " payment on account '' instead of " payment in full settlement of a disputed amount '' on the memo line. I was unfamiliar with the online bill pay system and put the " comment '' field different from the " invoice '' field, and so it did not say " settled in full '' on the check, but my bank has an internal record of that request. I am not upset at the bank, they did their part and sent the check to the collection agency.
Consumer complaint received 2023-06-30
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. (MD)

The accounts listed on my credit report was inaccurate when I reviewed it. The 3 credit bureaus must validate these accounts. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$55000.00}, XXXX  XXXX Balance : {$19000.00}
Consumer complaint received 2019-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

My name is XXXX XXXX XXXX. I am having issues with inaccurate addresses on my credit file. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, and INNOVIS inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Credit Act, you are required to comply. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX Please delete remove these incorrect numbers below. 
The following numbers are not mine XXXX, XXXX
Consumer complaint received 2019-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (FL)

REGIONS BANK had the wrong address on file for me which I corrected my address on my online profile. 

I requested to have a debit card sent to my correct address and they are saying I have to come to a branch to speak with a banker. 


I work XXXX to XXXX from Monday from Saturday and I can not afford to take time off work am already in trouble at work for missing a day when I went to sign up for Regions Bank . 

I need to get a debit card sent to my address on file immediately! I recently set up direct deposit and so now Im going to have all my money going to my Regions account, but I don't have a card to spend my money!
Consumer complaint received 2022-03-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2019-01-09
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: FC HoldCo LLC (CA)

XXXX XXXX contracts multiple family members not listed as references about a debt owed. Violating the FCPA because they knew my obsessing number and address, as I had talked to them just days before they contacted my relatives. they stated the reason they did so was because my voicemail inbox was full.
Consumer complaint received 2018-08-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc. (CO)

I was sent a promotional offer email from Prosper saying if I completed a loan offer before XX/XX/2018 that I would be eligible to receive a {$100.00} VISA giftcard. I  completed my loan offer and the loan was approved on XX/XX/2018. After about 6 weeks, I followed up on two different occasions with Prosper to get the status on the giftcard. They mentioned I was ineligible because I didn't follow a certain " link '' to finish my loan. This should be irrelevant as it was not mentioned in the email that a loan must completed in this manner and I still completed a loan by the deadline. 

I dispute the claim that I am ineligible because I did all things necessary in the instructions. I believe this to be a false advertising scam by the company I am submitting this complaint for them to resolve this matter and send me the {$100.00} giftcard that should have been sent by now
Consumer complaint received 2022-03-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.