davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-12
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. (LA)

Transunion is reporting incorrectly that I am 30 days past due on XXXX XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2018-11-21
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: Experian Information Solutions Inc. (CA)

Reporting wrong info for some time now. I have submitted supporting docs showing has has {$0.00} and closed and now as of today, XX/XX/2018 they are still reporting a balance. Again, i have proven to them that the account has been taken care of and they refuse to update correctly on report
Consumer complaint received 2019-04-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

So I recertified my income driven repayment plan in XX/XX/XXXX as always. It was repaye. However, since I had gotten married in XX/XX/XXXX I was worried about my monthly payment increasing. After some research I decided that it would be best to switch my repayment plan from repaye to paye as I had planned on filing married but separate next year. So after 2 phone calls to navient I finally got the application completed that stated I want switch repayment plans ( which later a navient supervisor XXXX said I filled out perfect ). Almost a month goes by and my plan doesnt change. So I call in and the rep is dumbfounded. She talks to processing and they say I need to fill out another application but pick recalculate instead of change my repayment plan even tho I want to change my plan. I wasnt gon na do it just wait til recertification but then I figured Id do it and avoid the headache. So I do it and wait. In meantime tax deadline is coming so my wife and I file married but separate as planned. Check navient and still on the same repaye plan despite reps making note that I want switched to paye. So I call navient again and explain everything and the rep refuses to understand that I want to switch to paye so that my wifes income is not accounted into my monthly payment. She even put me on hold to look up the difference in the plans! Then tried to explain interest benefits and I got frustrated and asked for a supervisor. When finally transferred XXXX reviewed my case, said my initial change plan app should have been accepted. However since they mislead me and me fill out the recalculate app I had to yet again fill out a change my plan app. This XXXX me off because I was forced to use and upload a tax return that I did not want to yet, I wanted to switch plans with my single income then recertify under paye married but separate. I am still awaiting for the switch. Ridiculous. Also their staff should know the plans I shouldnt have to give references when I call. Amateur hour.
Consumer complaint received 2019-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

Capital One called me of a period of 6 months everyday between 7 am and 9 am Hawaii standard time hounding me to pay my credit  card bill when I asked them to stop calling me and harassing me also the calls were from XX/XX/2018 to XX/XX/18 daily even after I Asked them to stop calling me and put my name on the do not call register I have hundreds of calls from them which is a violation of the law all which are on my voicemail. I finally had to block them but I am still receiving calls please help me this is unacceptable their harassment.
Consumer complaint received 2019-04-12
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: Experian Information Solutions Inc. (WA)

I had called EXPERIAN IN LAST THREE DAYS, But no one seems to want to help and kept passed on to different department so at end of each called, left me on hold and nobody reply back to me. 

If anyone of you getting denial of over 20 applications for a credit cards, you would be concerned. Yes, I made mistake for not paying a few credit cards that I owe, but I had talked to the bank that I owe already and let them know already. Therefore, the next thing that came in my mailbox was debt collector asked for the money I owe, which is originally from XXXX XXXX XXXX. 
So, I took a couple of days to scanned through all the laws, right, etc. About CFRA and study on how financial system and how it works. So, the first thing I did was checking my email and there was a statement about if you get denial of an application. You have the right to ask them which company name address and phone number. So I learned that you have the right to ask them WHAT is in my file? From there on which is thtee weeks from today. 

So I did what I had to. " Sometimes you have to do it yourself '' after I had hired two credit repair companies to help me out. One of the company is call XXXX XXXX XXXX. I had them three months and nothing but wasting my money {$120.00} a month. So I cancelled that. Few months later, I hired XXXX XXXX XXXX. Last two days. I like it short. 

However, thank you very much from the big brother, which is the CFA that distributed the statement " you can sue them if they don't have correct information in you file. 

I just want them employee to do the right thing for our consumers, because of all the mess they left in my file. For the last three weeks I'm consistently on the computer and phone trying to get this fixed. Here is two items that I had in my file from EXPERIAN. 

1 ) Fraud alert that stated will stay on file for a year. The date for this fraud alert is XX/XX/XXXX. The phone number to call to wasn't mine. It was XXXX. 

2 ) I also, have a premium protection on XX/XX/XXXX. 

Both of these protections are either changed or removed. I do have documentation for these if need I will definitely send to the laws. Thanks, XXXX XXXX. PS I might get in trouble for doing all of this work ok no my job too. XX/XX/XXXX. 

I know this is happening to a lot of innecent people out there and they probably panic and would not know what to do. 

A message from XXXX, Do Not Dare To Play With The USA Laws and Regulations. XXXX
Consumer complaint received 2019-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: BARCLAYS BANK DELAWARE (CA)

Call BarclayCard seek a hardship program, the option that they offer me did not help reduce my debt. In fact, they could not tell me how much my debt would be after I enter the program. I spoke with an agent, then the supervisor ( XXXX ) she could not either tell me the ending balance after the 12-month program. The program would closed the account and give me a reduced interest rate of 5.90 % for 12 month, after that the interest would go up again. 
XXXX offer me a program that closed the account and split the current balance in 60 monthly payment, no interest. This much more helpful, and defiantly help me avoid a bankruptcy. 
Barclays Card deceptive and misleading practices should be regulated, companies like that should not be allowed to take advantage of the public. Thank you. 
They deliberately were putting me on hold, i spent more than 30min on hold.
Consumer complaint received 2019-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I check my credit weekly and today XX/XX/19 I noticed that my credit score for all three Credit Reporting Agencies had DROPPED approx. 50 POINTS from the previous week. There was NO DEROGERTY Information since the previous week. As a matter of fact all the information change was POSITIVE. XXXX, XXXX  and XXXX   were all similar results. Additionally, I have never been late on anything ... 

I called XXXX  and XXXX and in both cases the customer service representative was NOT ABLE to make any sense of the issue. 

The gross and incorrect misrepresentation of my credit is a detriment to me in many ways. My occupation, My credit and other things as well. 

The bottom line is ; The credit reporting agencies are not accountable to anyone. Individuals harmed by these agencies can rarely recover anything, and there is nothing that can be done to correct information regardless of weather it is correct, incorrect, inaccurate unless they want to.. 

XXXX, XXXX  and XXXX appear not to care ... ...
Consumer complaint received 2019-04-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC (TX)

I am entitled to a reimbursement of {$640.00} that was paid to XXXX Univeristy by my employer, the XXXX XXXX XXXX. XXXX received the credit voucher in XX/XX/2019. The bursar 's office noted the credit to my account on XXXX XX/XX/2019, then applied it to my account on XXXX XX/XX/2019, and released it for refund to Heartland XXXX  Integration on XXXX XX/XX/2019. I contacted Heartland XXXX   Integration today, XXXX XX/XX/2019, asking when they would release the money, and was told two different dates, the first date was they will process it on XX/XX/2019 then approve it on XX/XX/2019, and the second person said they might process it on XX/XX/2019, and maybe approve on it XX/XX/2019. This is ridiculous, I requested they release the fund today, and they stated NO. I need this money, and it should be illegal for any company to hold money that is legally not theirs for any length of time as an attempt earn interest on money that does not belong to them. I am requesting you investigate this company for holding money as an effort to generate interest at the expense of others.
Consumer complaint received 2019-04-12
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Manor Resources, LLC (IL)

I called several times onXX/XX/2019 to complete my loan payoff and receive my title and lien release. I was told that I would not receive my title until at least a minimum 17 days but it could be 20-25 business days ... easily more than a month from now. I explained to each individual ... including an individual who identified himself as the floor supervisor and gave his name as XXXX XXXX ... that Illinois law REQUIRED them to release and return my title within 24 hours after payoff. Each individual I spoke to refused to acknowledge law an just repeated their in-house protocol.
Consumer complaint received 2023-01-18
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. (LA)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TransUnion Credit Reporting Agency, & XXXX XXXX XXXX XXXX is in violation of 15 U.S. Code 1666b. They did not notify me 21 days before my payment date on any of the four accounts they reported late payments on.

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure tha
t each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 



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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX I received a letter in the mail from My Mortgage Company Wells Fargo that as of XX/XX/XXXX the servicing of your Mortgage Loan was being transferred to XXXX XXXX XXXX XXXX. 

Beginning on XX/XX/XXXX XXXX XXXX XXXX would begin receiving payments on your mortgage loan and Wells Fargo Home Mortgage would no longer be accepting payments on this loan. 

I called Wells Fargo and was told that they no longer had my loan and it was sold. However as of this date XX/XX/XXXX noone will tell me who they sold it to. 

When I called XXXX XXXX XXXX to get the name of my new mortgage holder they told me they could not give me that information and it was their policy to protect the loan holder, When I called Wells Fargo they could not tell me who the loan was sold to. There no longer is anything in the wells fargo system and XXXX XXXX XXXX doesn't even have an active account but they told me that I could make them a payment. 

My question to them was where would this money go and why would I pay a company that won't tell me who the lender is?
Consumer complaint received 2024-02-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

In accordance with the Fair Credit Reporting Act, this Creditor ( Bank Of America ) and its Debt Collection Agency ( XXXX XXXX XXXX XXXX XXXX XXXX  ) now named XXXX XXXX XXXX XXXX XXXX have violated my rights. 

Under 15 USC 1681 Section 602, states I have the Right to Privacy.

I received constant harassing debt collection calls.

15 USC 1681 Section 604A Section 2, also states that a Consumer Reporting Agency can not Furnish/Garnish an account without written instruction. 

Sometime last year, XXXX, the joint account I and my wife shared with Bank of America was frozen and Garnished without my consent or any written instruction. The amount removed without my consent was more than {$600.00}. I later received a notification email from Bank of America after the fact. Few days later, XXXX XXXX XXXX XXXX XXXX XXXX sent a letter in the mail saying a Court Order was issued for my account to be Garnished. In the letter they also threatened to come after my property if the amount removed was not sufficient enough to cover the debt owed. 

Under 15 USC 1666 B, a Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

I have tried to pay the debt owed but my financial status does not permit me to continue. Furthermore, the debt owed is more than 2 years old.
Consumer complaint received 2019-02-04
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. (GA)

Hello I went to get a personal loan so I can help with my mom 's meds and I was denied by the bank I've been with for 11 years. I got a copy of my credit report and there so items on there that are not mine. Please have these taken off my credit. I have already contact the FTC and the police Department. I am doing this on my own behalf. 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 AND XXXX XXXX.
Consumer complaint received 2019-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TRANSUNION HAS NOT LET ME DISPUTE CLAIMS ON MY CREDIT REPORT. THE CREDIT SCORE WAS XXXX. NOW THEY WANT ME TO PAY THEM {$29.00} TO GET ALL THREE CREDIT REPORTS. THE FREE ANNUAL CREDIT REPORT DID NOT LET ME DISPUTE ERRORS I FOUND ON TRANSUNION. 

TRANSUNION WOULD NOT LET ME PRINT PAGES ; SO I COPIED THE EXAMPLE : CREDIT MONITORING Dispute Center Alerts Profile Support Logout Dashboard Credit Score Credit Report Credit Lock Tools My Savings My Profile SMS ALERTSStay in the know with Instant Credit Alerts! Setup SMS Alerts now Alerts ( 33 ) XXXX XXXX XXXX   Powered by XXXX XXXX TransUnion Logo UNABLE TO ACTIVATE XXXX   Logo UNLOCKED My TransUnion Credit Score As of XX/XX/XXXX. Based on XXXX XXXX XXXX D XXXX / F XXXX / A COMPLETE YOUR CREDIT PICTURE Score Simulator -- - XXXX / F XXXX / A XXXX Current Score -- - Simulate Now Dont Miss Out on This Featured Offer! 

My Membership Center Your Credit Report and Score are 98 days old. 
Refresh Now Complete my credit picture with a full 3-Bureau profile Get the Full Picture Credit Summary Score Trending Debt Analysis {$27000.00} Balances as of XX/XX/XXXX Payments Total Accounts Open Accounts {$210.00} 41 6 Inquiries ( 2 years ) Delinquent Derogatory 17 0 8 COMPLETE YOUR CREDIT PICTURE Membership Benefits Credit Education More Products Instant Alerts Identity Theft Insurance Fraud Resolution TransUnion 's Fraud Victim Assistance Department ( FVAD ) is available to assist in restoring your identity after an incident of identity fraud. FVAD specialists are trained experts in detection and resolution of credit fraud-related situations, and have in-depth knowledge about laws, regulations and consumer relations policies. 
More Valued Member Since XX/XX/XXXX My Savings About us Who we are Terms of Use Privacy Policy Frequently asked questions My account My profile Credit alerts Credit score Credit report Tools Credit Lock Resources Support Credit education My Savings Blog This site is hosted and operated by TransUnion Consumer Interactive , Inc., a wholly owned subsidiary of TransUnion, LLC. Copyright XXXX TransUnion Consumer Interactive. All Rights Reserved.
Consumer complaint received 2020-02-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Funding is attempting to collect a debt that is unverifiable and I do not owe. I expect a cease and desist and item to be deleted from all major credit reporting agencies, this inaccurate and false reporting is hurting my financial goals. I have never done business with this company and have no agreements with this company. Midland Funding is reporting invalidated information on my credit reports.
Consumer complaint received 2023-01-03
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. (NC)

I am writing to dispute the following XXXX accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2019-04-12
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. (GA)

I have continuously disputed unauthorized inquiries on my credit report with TransUnion. Personnel has not investigated any of the numerous requests that I have submitted. Instead they send a form letter explaining inquiries. TransUnion has not adhered to the law, requiring them to investigate disputes.
Consumer complaint received 2019-02-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Innovis (NY)

Numerous phone calls, emails as well as certified mail sent to innovis, they refuse to remove fraudulent info off my report. Innovis also removed a XXXX XXXX XXXX account that was open and remained positive which I never disputed.ACCOUNT ENDING XXXXOPEN 2007!!!!! Why is innovis purposely trying to sabotage my credit report? 


all XXXX XXXX accounts are considered closed via innovis with charge off - all XXXX XXXX accounts open and positive and no positive reporting is reported XXXX XXXX  is open and positive, yet innovis reporting closed and negative with no positive months XXXX XXXX XXXX is being reported on legitimate credit report agencies as paid in good standing WITH ALL MONTHS REPORTED POSITIVE AND INNOVIS IS NOT I NEVER OPENED XXXX XXXX IT IS FRAUD XXXX IS NOT LATE FULLY PAID XXXX XXXX XXXX IS FRAUD NEVER MAINTAINED ACCOUNT I DO NOT USE XXXX XXXX IT IS FRAUD REMOVE XXXX XXXX XXXX is being reported I don't care if it says requests I can only see I HAVE A XXXX XXXX AND U R LETTING XXXX XXXX ALONG WITH XXXX XXXX   REMOVE IT XXXX XXXX Report # XXXX And XXXX Social sec XXXX - XXXX - XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-05
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. (GA)

XXXX AND EXPERIAN " CRA '' REPORTING VARIOUS ID FRAUD ACCOUNTS NOT MINES : PUBLIC RECORDS, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX..DEMAND REMOVE ALL FROM CREDIT FILE ASAP