davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-29
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. (CA)

I XXXX XXXX do solemnly swear that I am writing and submitting this complaint by myself on my own behalf. I have submitted numerous dispute to TransUnion to have inaccurate items removed from my credit report as well as some unknown things. My 3rd dispute I mailed in was XX/XX/2021 and I haven't heard anything or received any kind of correspondence from Transunion at all in regards to my dispute. I feel like that are purposing targeting me due to my demographic and ignoring my request. That's really taking advantage of me. Now I am demanding that these accounts and items not only be deleted from my credit report, but I AM demanding that these accounts and items be deleted immediately or I will be filing for litigation because this is insane the extreme amount of stress you all are causing me. Not to mention that My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. I've been in hospital twice stressing over this. It's not fair and federal laws are being broken at this point.
Consumer complaint received 2019-05-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: APEX Asset Management, LLC (NJ)

XXXX XXXX continues to report that I owe them money on my credit report and they are reporting incorrect information. I owe them nor anyone else the money they are claiming I owe them. They responded to you without correcting any information. This is the last time I am writing a complaint before I take them to Small Claims Court and sue them for reporting incorrect information on my credit report.
Consumer complaint received 2020-02-12
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (WI)

I have a loan with NAVIENT. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, and XXXX and NAVIENT with no successful resolution. XXXX, XXXX, and XXXX are reporting me late. There was definitely an error on their part. I was never late from XX/XX/XXXX-XX/XX/XXXX.
Consumer complaint received 2021-09-25
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: Selene Holdings LLC (NY)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

This item is reporting late, yet it is closed and the balance is XXXX  as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2019-05-10
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. (CA)

My name is XXXX XXXX and my TransID is XXXX. On XX/XX/2019, a XXXX XXXX cashier associate fraudulently created a line of credit without my permission including the use of an incorrect social security number to be filled under the creation of the account. On XX/XX/2019, I contacted Transunion for guidance and requested XXXX XXXX to submit a deletion of credit inquiry directly to Transunion. I have been informed, by Transunion, that the removal of the credit inquiry will take place when this cover letter is received by myself and the deletion of credit inquiry is received by XXXX XXXX. 

On XX/XX/2019, I contacted Transunion for a status update as it is only a few days away from the 60 day timeframe. Transunion informed me that they received my cover letter that was mailed to them but did not receive the letter of deletion of credit from XXXX XXXX. I informed the representative that XXXX XXXX does not provide the customer a copy of the letter and that it is electronically sent to Transunion. Transunion persistently said that the matter is still open until I provide a copy of the letter of deletion of credit. However, I am unable to according to XXXX XXXX. 

I will be filing a claim against both agencies as their processes are not aligned with one another. Please determine the correct coarse of action whether Transunion is able and should receive electronic letters of deletion of credit or if XXXX XXXX must provide the customer a copy of the letter of deletion of credit. In addition, XXXX XXXX automatically opens a line of credit with simply a drivers license without validating the correct social security number.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Recently I did an investigation on my credit which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items! 
I have communicated with the reporting agency and told that these things were not accurate information.
Consumer complaint received 2022-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (CA)

Dear CFPB, This letter is to inform you that Citibank Credit Card Company is engaging in unfair, deceptive, and predatory credit card practice. Predatory is lending that imposes unfair or abusive loan terms on a borrower. It is also any practice that convinces a borrower to accept unfair terms through deceptive, coercive, exploitative or unscrupulous actions that is misleading that a borrower cant afford and places them further into debt and fees. 

On XX/XX/2022 I called Citibank Credit cards to ask about better credit cards terms. I had a credit card limit of approximate {$12000.00}. I had been trying to diligently pay down over the last year or so. I had a balance due of XXXX with a high interest rate. My payment has always been on time. 

When I called I wanted to see if there are more favorable terms then their very high interest rate. I saw various advertisements from Citicards for zero percent interest for 12 months and related offers. 
The representative stated that the only program that I can be offered was my balance of XXXX due was a zero percent interest for 12 months. They would move the balance funds into my checking account with the zero percent interest. 
Undisclosed to me they doubled the used credit balance utilization of the card to almost its limit of approximate {$12000.00}. This dramatically doubled and drastically increased my credit card usage limit and significantly dropped my credit score, as of XX/XX/XXXX, without making any purchases. 



Sincerely, XXXX
Consumer complaint received 2020-02-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: AMERICAN HONDA FINANCE CORP (VA)

Greetings, I have tried to request a payoff quote for my loan that I signed on XX/XX/2020. 
There is still no record of the loan, but I am incurring daily interest on a loan that I can not pay off. 

I have no way to stop accruing interest on this loan and I was not quoted an exact date of when I would be able to get a payoff quote due to the nature of how Honda Financial Services operates internally. 
This system guarantees that consumers will be forced to pay a minimum interest amount due to the inability to pay off the loan until it is " In their system. '' I have called on XX/XX/2020 both to Virginia help center and New York help center and they verified that I will be accruing the per diem without any way of paying off the loan, admitting to a minimum guaranteed interest payout. 

Honda Financial Services VA - XXXX Honda Financial Services NY - XXXX XXXX XXXX XXXX  VA - ( XXXX ) XXXX On XXXX  XXXX, I was able to create an account and request a payoff. My incurred interest was {$8.00}. This was unavoidable based on the system set up by Honda.
Consumer complaint received 2020-02-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc. (GA)

I filed an identity theft report with the FTC several months ago when I noticed someone had used my private information to obtain credit in my name. Now, XXXX XXXX XXXX has placed 2 unauthorized accounts on my credit reports and can not prove they belong to me. When I received a letter from this collection agency, I sent them a letter disputing the account and was never given information proving the account was mine. The accounts were then placed on my credit report. I would like assistance with helping them remove these unauthorized accounts from my reports.
Consumer complaint received 2020-02-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Final letter written on XX/XX/2020 included copy of credit card application and my drivers license issued in the state of NY clearly showing the signatures do not match. Also was not living in residence the card, statements or letters were sent. That was my ex-wifes home. They have attached to my credit report showing collections for XXXX ( old XXXX XXXX account ). I even attached a copy of my current XXXX XXXX account showing good standing. Company keeps sending letters stating the account is valid when clearly it is not.
Consumer complaint received 2020-02-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK (PA)

When I was XXXX in the year 2013, I accepted a credit line for XXXX XXXX dollars from discover. I was able to keep up with the payments until I allowed my mother to use my credit card to pay her bills. She eventually used every dollar I had available through my discover credit line and my account became delinquent. Now I am XXXX and I would like to better my credit situation by any means necessary. I would hope to be able to set up a payment plan now that I have a steady income available in order to better my credit. I dont know who to contact about setting up a payments plan. So hopefully this could be the first step towards bettering my credit situation. Thanks
Consumer complaint received 2016-04-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (TX)

Debt was settled for less than the full balance in 2012 by prior collection agency. I had disputed the validity of the debt with XXXX letters and I had also asked for them to provide me with proof that they were licensed to collect debts in the state of Texas. They provided me a list of where they are licensed and Texas was not included.
Consumer complaint received 2022-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One, I purchased a multi colored XXXX jacket about from an store located in XXXX XXXX, CA however when I got home I have notice the thread is coming off. A day later I drove back to the store which is about 100 miles away from my home and told the sales clerk I wanted to return the defective jacket. Unfortunately, the sales clerk I originally purchased it from never gave me the receipt but I have the tags if that helped. She refused to return the jacket and stated that there is nothing she could do. I offered to show her a copy of my credit card pending transaction but she still refused. I would like to return it but dont live close. I have called and sent numerous emails to this company but they are ignoring me or offering any sort of solution. I dont feel like its fair I spent money on a jacket thats defective. I contacted XXXX via XXXX corporate office and they advised to dispute the transaction. Im asking the company to send me a pre paid shipping label so that I can send the defective jacket back. Please issue a refund back to my original method of payment. Thank you, XXXX XXXX
Consumer complaint received 2020-02-12
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: Experian Information Solutions Inc. (ME)

1. Applied for CC online for XXXX/XXXX  Card 2. Received letter stating " unable to approve your application because : The consumer reporting agency serving your area has reported only a limited credit history for you. '' - in fact my credit history is extensive and 'excellent ' 3. Called XXXX indicating that the Name on the app was misspelled, I have extensive credit history, and upon calling XXXX on the phone, they could not locate my SSN ( provided on the app ) 4. After talking to XXXX, they took my info and provide same result ( based upon data from Experian ), i.e. " unable to approve your application because : The consumer reporting agency serving your area has reported only a limited credit history for you. '' 5. I  called Experian this XXXX ; ran FICO score - score is 810+/excellent 6. Can't get anyone on phone at Experian to explain what they actually provided to XXXX  7. Experian online process does not enable this type of 'dispute ' to be handled Goals : 1. Avoid incorrect reporting of this CC request 2. Understand what Experian reported to to XXXX  3. Point out to CFPB Experian provides no mechanism to provide this information to customer leaving customer in the lurch ( not handled via 'dispute ' on line process and no human available ) - is this apppropriate?
Consumer complaint received 2019-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NCC Business Services, Inc. (CA)

We disputed the charge of {$880.00} and filed a lawsuit at the XXXX XXXX Small Claims Court the case no. is XXXX. The court ruling was in our favor and we do not need to pay {$880.00}. 

The collection agency has reported delinquency in our names and our credit history has been misrepresented. 

We rented XXXX XXXX apartments from XX/XX/XXXX XX/XX/XXXX. We moved out XXXX and were charged XXXX $ as move-out charges by XXXX XXXX apartments owned by XXXX XXXX. We disputed the charges by filing a case in small claims court in XXXX XXXX, California. We had our case hearing on XX/XX/XXXX and the case was ruled out in favor of my husband ( XXXX XXXX ) and me. The court ordered XXXX XXXX XXXX XXXX XXXX to pay us XXXX $ and ruled that we do not owe them anything. 

In-spite of and after the court judgment, the collections reported our account as derogatory. 

I am requesting that the item be deleted to correct the information. Enclosed are copies of the court judgment and the case transcripts, supporting my position. Please investigate this matter and delete the disputed item as soon as possible.
Consumer complaint received 2021-09-25
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)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc. (DC)

I challenged some information on my credit report, which the creditor is listing as a charge off. I have documents that prove I paid off the account in full, and when I filed a dispute, the creditor not only kept the erroneous information on my record, but that information resulted in a drop in my credit score. I had a credit score of XXXX ; it is now XXXX after the dispute was filed, so I am also alleging retaliation for the dispute by the creditor.
Consumer complaint received 2019-07-30
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: OLD NATIONAL BANCORP (IN)

My lease ended with Old National Bank inXXXX Indiana with the payment made in XX/XX/2019. Around or about XX/XX/XXXX I noticed that the lease had a balance of XXXX but the amount due on the next payment date was XXXX. I contacted Old National immediately and was told that this was just their way of  flagging a lease as paid and it would clear up. I then went to the dealership where I purchased the vehicle for the residual value and actually financed it with Old National Bank in XXXX. The vehicle was purchased on XX/XX/2019. Much too my surprise I received a note from Old National seeking to collect a debt with a total amount due of XXXX on XX/XX/2019 mind you the account balance was still listed as XXXX this was the amount that was pad off in the purchase on XX/XX/19. I called ONB again and after being bounced around and actually chuckled at I was told that they did not know what the issue was and that apparently the loan officer messed up the loan process when setting up the new loan. I told them this was not the case as the XXXX XXXX dollar balance was there well before then. I asked as to why the were threatening me with collection of a XXXX XXXX dollar debt and reporting to the CB again I was made to feel like an idiot and told they didn't mean it really???? I was sent a letter threatening me with reporting to the credit bureua and that it would impact my credit rating. Just to be clear this was a collection late payment notice for XXXX on a lease that was payed off with a balance of XXXX that was actually refinanced as a purchase with the same bank ONB XXXX. I asked for a letter stating what had happened along with a letter stating that this was a fradulent collection letter for a fictitious amount and all I got from them was we will look into this and note it on your account. I assume they noted on the account with the over XXXX XXXX dollar balance. Is there a recourse when someone issues a letter for an amount that is millions of dollars over the balance that had been paid off? I fulfilled my obligations to Old National they certainly have done nothing but provide me stress and damage to my credit for no fault of my own this is all on them. I will add the as of this writing the account with a balance of XXXX has disappeared on my list of account via their website.
Consumer complaint received 2017-08-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

I filed a dispute with Equifax informing them that there was an account on my credit report that did not belong to me and that I wanted them to research it to verify that the account was indeed mine. I received a letter from Equifax dated XX/XX/XXXX Confirmation # XXXX stating that they researched the account and that the account has been deleted off of my credit report, which it was Recently I was checking my credit scores and noticed a drop in my credit score by over 100 points with Equifax then I noticed that they have put the account that they had originally researched and deleted from my account back on my credit report. On XX/XX/XXXX I called and talked to somebody about this matter and they told me that they would remove the account once again and that it would take approximately 2 weeks. On XX/XX/XXXX I checked my credit report again and the account is still remains in my credit report. On XX/XX/XXXX, the same day I send Equifax via fax and USPS mail a copy of the letter that was sent to me but they have to remove the account from my credit report. I want this account removed from my credit report immediately. According to the letter they sent me on XX/XX/XXXX they researched the account and obviously could not verify it so they deleted it from my credit report. Why did they put it back on there? And why wo n't they take if off " AGAIN '' after assuring me it would be removed.
Consumer complaint received 2021-09-24
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TMX Finance LLC (NV)

TitleMax, with whom I have never done business, won't stop calling me about some stranger 's debts. They have the wrong number. Telling them doesn't stop the calls nor does filing federal complaint -- last complaint number I noted XXXX like all the other calls and complaints assure me they will stop but they are at it again.