davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-05
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 — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (CA)

In XXXX I noticed JPMCB and XXXX XXXX XXXX were showing incorrect accounts that were my ex-husband 's. I contacted them over and over and over again. Writing down names and times. Each time, they said that they were taking care of the issue. I even sent a notarized report they asked me to fill out. That was on XX/XX/XXXX. I received a letter reading that the matter was settled on XX/XX/XXXX. I still called because I could see that it was still on my report. I needed to go to Grad school to get a job, but couldn't do that without financial aid, which I could not get because of this. Thus, I would call again and again, the last time being told that on XX/XX/XXXX they had told the three credit reporting agencies to remove the account. But each time, they also put a caveat that I must fax in the credit report ( current - not past 60 days ) and then they would remove the problem again by contacting all the agencies. Or I could have the agencies contact them. I did both. And the credit agencies, when I followed up, all stated that they had called that company, but had not received the information requested. I finally gave up at the end of XXXX for school. I figured that the 7 year law would kick in and they would HAVE to follow the law. Still I called and went through all the loops all the way until today. Today I received a denial for my student loan because of this. Thus, I contacted all of the above again. Again I was given the same information, " Oh! It should have been removed. You can fax or mail your most current credit report, not past 60 days ), then we will make sure it's removed. Or you can have the credit agencies call us. '' When I asked them how long this would take, I was told 30-60 days on their end and probably the same for the credit reporting agencies. I stated that was too late. So I called the XXXX financial aid office to explain, but they said they don't have anything to do with it as these are federal loans. I will re-fax and send certified mail as I have in the past and then call. But now, it's past the 7 years, how can they still hold me hostage on the three credit reporting agencies. Now I know why I couldn't receive credit to purchase a car I desperately needed for my job. This is messing up my life for something that I did not do and is now against the law as it should have fallen off XXXX, XXXX for the FCRA and I feel now, that it's hopeless.
Consumer complaint received 2021-08-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

XX/XX/XXXX - Started joint mortgage process - credit reports pulled and pre-approved. XX/XX/XXXX - Received email from mortage loan officer that the co-borrower had a tax lien. I called and emailed the mortgage loan officer with no reply because he was not in the office, however, no out of office reply noted or message left to indicate his absence. I did call the bank to speak with the morgage loan officer 's manager and left message for a call back to discuss the lack of communication, but never received any communication. 
XXXX XXXX - Mortgage Loan officer then opened a single application ( credit reports pulled again ) as he stated he was informed to do by his management, however, when I spoke with the loan processer the loan processer informed me that two loans could not be opened at the same time, therefore, loan processer stated to work on the joint application and requested documentation that payments were being made on the tax lien and were current in which I provided all the documentation. This process dragged on until the end of XXXX when all the documenteds expired and yet another credit report pulled/co-borrower 's credit score did not meet the minimum ( of course not, as the credit report was pulled outside of the 90-120 days ) At this point, I requested to move to the single application that the mortage loan offcer started - yet again another credit report pulled for both the joint application and the single application noting that now " The number of inquires has adversely affected the credit score '' Really, thank you Huntington for all the hard inquires. XXXX, XXXX, and XXXX  have a total of 8 with Huntington contributing 5. 
XX/XX/XXXX - Received email from mortgage loan officer that his manager will be looking at the loan with the manager of underwriting to see what they can do anI will receive some communication on Monday, XX/XX/XXXX, however, I believe this is highly unlikely as I have tried to reach out to the manager directly and left messages to receive a call back and I also noticed today when I logged in to check the single mortgage application that it is listed as " closed ''. All I can say is that this whole process has been nauseating and that Huntington Bank needs to do better.
Consumer complaint received 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights XXXX XXXX
Consumer complaint received 2022-02-12
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: Consumer Portfolio Services, Inc. (MO)

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted. 

XXXX XXXX XXXX XXXX Balance {$14000.00}
Consumer complaint received 2022-02-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In XX/XX/2016 there was a draft from this line of credit. My online banking platform never showed a balance on the credit account, a bill was never sent, and I was never made aware of an outstanding balance. I was also never contacted by an agent, or a collection manager with an opportunity to pay the bill. Without my knowledge, this account was charged off and reported on my credit report.
Consumer complaint received 2022-03-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (OH)

XXXX XXXX XXXX XXXX. Is a business that went through my account from PNC fraudulently taking {$89.00}. PNC denied my complaint and sent me documents relied upon to make the decision. The documents sent was very poor and did not provide me with a legit phone number for the merchant nor a website. A tracking number of the product was fraudulent after speaking with USPS.
Consumer complaint received 2022-02-12
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. (RI)

On XXXX I XXXX XXXX the consumer, sent TRANSUNION, XXXX, and XXXX ( The CRAs ) certified mail informing them that Im a victim of identity theft. In that correspondence I made notice that the CRAs have 4 days upon receipt to block all information inside my identity theft report ; pursuant to 15 USC 1681c-2 ( see attached file ). The CRAs are in violation of 15 USC 1681 for failing their grave responsibility of reporting with fairness, accuracy, impartiality, and violating my right to privacy. All of the items inside my identity theft report are unauthorized, unvalidated, And being fictitiously reported. As stated, I am a victim of identity theft and will not be sending any non public information to an elaborate mechanism. I will attach my proof of identity, statement of identity, along with my proof address Via CFPB ( see attached file ). Inside my correspondence I made The CRAs aware of my disapproval of generic responses or E-Oscar. I dont consent to any computer generated responses or correspondence outside of the first person. My FTC report, Proof of Identity, Statement of Identity, Proof of Address, Last 4 of Social, as well as clear specification of the fraudulent accounts, stands as enough identification to prevent stalling tactics and non compliance. This is an Urgent Matter ; the false misleading reporting is hurting my ability to obtain credit. ( For this complaint The CRAs or the Credit Reporting Agencies =TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

I qualify for XXXX under the new waiver. FedLoan is my student loan servicer. They congratulated me on the forgiveness of my Unsubsidized loans but it still shows that I owe Subsidized loans. They were taken out the same time. Then, they said they needed to verify my employer. I even had my HR Representative send a letter to them for verification. Everytime I call, I'm assured that it will be forgiven but that it just takes time. I have helped multiple coworkers with this process and their loans were forgiven... Yet here I am, still owing when I shouldn't. Please help me? I've been a public servant even before I graduated from high school. This would be life-changing for me and my family. Thank you.
Consumer complaint received 2020-02-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CITIZENS FINANCIAL GROUP, INC. (NC)

After I made a full payment to complete my vehicle loan over the phone with the agent on 2/3 in the amount of {$23.00}. The agent confirmed the loan was paid in full and I would receive no further charges and that I would receive the title in the mail in 3-4 weeks. 48 hours after that phone call an additional debit on my checking account was made by Citizens bank for {$22.00}. This was not an authorized charge as my loan was satisfied and my business with Citizens bank had been concluded.
Consumer complaint received 2021-03-10
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. (KY)

I am very stressed out because I do not recognize these accounts. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal actions.
Consumer complaint received 2020-02-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (FL)

Son is a XXXX XXXX but I am XXXX service connected vet, these guys call are very threatening, saying I have no way out if this, speaking like the mobsters Payments that fit my budget is refused When ask them to put any offer in writing they refuse.
Consumer complaint received 2020-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

LVNV Funding Wont remove a debt it keep being removed and then put back company has no records. Reps called and were rude or called so many times I had to change my number. I called spoke with a rep told them I was filling dispute with I have 9 times.

XXXX XXXX keeps inserting a old bright house bill past 10 years old. Once again it gets removed through the credit companies. And 2 year so maybe put back on which is dropping and surging my score. It creates hardships for me. I follow the rules I dispute but it doesnt matter because collections companies dont follow the rules they sell it and another collection company stars to harasses me.
Consumer complaint received 2020-02-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC. (NJ)

In XX/XX/XXXX I was notified from Superior Court of New Jersey Law Division XXXX  New Jersey for a credit card balance Docket XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was in collection agency Midland Funding L. L. C. with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX File XXXX it is XXXX XXXX XXXX ( now XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) file. I went to Superior Court in New Jersey, XXXX  County to answered that lawsuit. Therefore, few years ago I called Dell to set-up the account and pay monthly lower payments. But, XXXX XXXX XXXX told that did not had this account, because they sold to XXXX XXXX XXXX for {$500.00}. Also, XXXX XXXX XXXX harassments a customer from credit cards made business with bad manners to get wealth. XXXX XXXX XXXX  harassments me with calls and used the law for that propose. They hurt me in many manners, since they harassment me still doing. Yesterday XX/XX/XXXX, at XXXX a Sheriff from XXXX   City knocked my door in my house. The Sheriff come to my home because XXXX XXXX XXXX Now XXXX XXXX XXXX XXXX XXXX XXXX pay them a fee uses the Law their way for harassments made me with frighten me. The Sheriff told me, he is doing his job but for {$4600.00} Docket # XXXX XXXX. It is not right to came somebody home a made inventory about what I have in my home and take away someone needs. I believe that XXXX XXXX XXXX ( Now XXXX XXXX XXXX XXXX XXXX ) This account is from XX/XX/XXXX, Has A statute of limitations is the limited period of time creditors or debt collectors have to file a lawsuit to recover a debt. It falls in the three to six years range, although in they need to show me that own that amount. and this is too old. So, I am not own nothing, Status of Limitation had already passed.
Consumer complaint received 2020-02-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

I received your verification of the debt that I owe. Based on the documents you provided for verification I am in debt for the amount of the reletting fee of {$460.00} The amount for rent in XXXX of {$430.00} is not valid since I moved out in the second week of XXXX and I provided verbal and written notice of when I would be moving out. There is also a cleaning/maintenance charge of {$390.00} that was not verified. The apartment was left the way it was when I first moved in and there was no mess or personal items left behind. 

At this time the only amount I am obligated to pay back is the reletting fee and that is the only amount you are legally able to collect for. 

Based on the amount they initially alleged I owed of {$1000.00}, minus the {$430.00} and minus the XXXX the only amount I owed to you is {$190.00} Please update your account and mail the updated documents to reflect the actual amount you verified that I owe. If you disagree please send me verification of the other alleged debts including the contract indicating I owe rent after I have left and that I owed cleaning/maintenance after I have left. I also require receipts and invoices of any cleaning or maintenance done if it is verified that I owe this amount. 

Once I receive the updated information on my account I will promptly make the payment online. Again, the only amount verified with the documents you provided is for {$190.00}
Consumer complaint received 2015-06-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Repeated robocalls from Portfolio Recovery. The calls come from a different number each time so they are difficult to block. I do not even have any debts so I do n't know why they keep calling me. My number is listed on the Do Not Call List.
Consumer complaint received 2020-02-13
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. (TX)

I Have Requested All Credit Bureaus to Delete the debt XXXX XXXX XXXX XXXX for {$1000.00}, because it is over 7 yrs old. Per my attorney, it is Law. If Not removed after this request, he is prepared to move forward with legal actions
Consumer complaint received 2020-02-13
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. (TX)

I Have Requested All Credit Bureaus to Delete the debt XXXX XXXX XXXX XXXX for {$1000.00}, because it is over 7 yrs old. Per my attorney, it is Law. If Not removed after this request, he is prepared to move forward with legal actions
Consumer complaint received 2020-02-13
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: 2288984 Ontario Inc. (CA)

This is a payday loan from MOney Key. Somewhere along the line a Company called XXXX called me and my spouse using legal action and would file a record of fraud on me. I asked for verification debt and what there address was and they refused and told me they were just going to proceed. I got scared and paid them {$300.00} I want my money back till I get my verification which they refused and they wouldn't give me there address of where they are at.
Consumer complaint received 2022-10-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-10-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-10-11
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: EQUIFAX, INC. (PA)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under XXXX XXXX Code XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-02-13
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. (CA)

I've been struggling to pay off this Student loan for over 15 years now with Navient back then was Sallie Mae kept increasing balances with Forbearance and deferments. I was unable to include my student loan in my recent bankruptcy case and I am still having to make payments for this loan. The school I originally attended has since closed it's doors and lost all accreditation. My diploma is technically invalid and I am still stuck with this Navient debt. Need professional help to clear debt.
Consumer complaint received 2019-08-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (MI)

On XX/XX/XXXX I sent a debt validation letter to this collector and they have since failed to validate the debt or even respond. After the XXXX  days given to respond expired, this is now being reported to my credit report on XX/XX/XXXX, which is a clear violation of the FDCPA. Swiftly remove the debt and credit report remarks before I file suit. This will be my last attempt to resolve this matter before suing.
Consumer complaint received 2021-04-14
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. (LA)

Last XXXX2021 I've sent documentation regarding to those inaccurate and unknown accounts on my credit report but I haven't received any response yet. I demand to DELETE ASAP those accounts or I will file litigation.