davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-13
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. (DC)

I submitted a direct debit dispute form to XXXX on XX/XX/XXXX. However ; the company failed to remove the 60 day delinquency from my credit reports by the three reporting agencies. I was notified in XX/XX/XXXX by XXXX XXXX XXXX that my loan was being transferred to XXXX. I was informed that I must make telephone payments until my direct debit form was received. I made a telephone payment on XX/XX/XXXX. My payments from XX/XX/XXXX through XX/XX/XXXX were automatically deducted. Since additional principal payments were paid on my account, another payment wasnt due until XX/XX/XXXX. As a result of an XXXX internal billing error, my monthly payments were not withdrawn from my bank account. This information was confirmed by an XXXX representative via the telephone. XXXX has not taken any action to remove the delinquency from the three credit reporting agencies.
Consumer complaint received 2019-08-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Avant Credit Corporation (NJ)

I was denied on XXXX XXXX Avant to get a home equity loan. They send me a letter saying due to they couldnt verify my employment. I submitted two years tax returns and had extensive conversations that I dont have a w2 job. My income drives from annuity and investments. They failed to review my docs and discriminated to give me a denial. I want this looked into.
Consumer complaint received 2020-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IN)

XX/XX/XXXX I made 3 payments. XXXX did not apply my payments correctly because of that they left my money I paid in limbo making it look like I was on schedule with my payments. Then in XX/XX/XXXX they sent money back to me that I paid. Causing me now to be behind in payments due to there neglect in apply my funds properly. So they are reporting me as delinquent and saying I owe money to make sure I am up to date. I called and tried to talk to them and all they wanted to do is blame me and take no responsibility. To this day they are harassing me about it. They act as if they report to no one and I feel like I am being bullied by them.
Consumer complaint received 2019-01-23
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. (OH)

RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and  XXXX XXXX XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/2019. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX XXXX XXXX   XXXX and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly.

If you have any questions or need additional information, please contact me at address listed below.

Thank you. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (NJ)

i ahve been a good customer with us bank XXXX for many years. way back i earned a XXXX dollar reward for XXXX. i noticed it had not been credited i asked about it and was given some one size fits all script about where the reward was. i asked why i had not gotten it.i was told a supervisor would call me about getting the XXXX dollars some other way this never happened. i XXXX and just get the run around no one responds. please issue the XXXX dollars i am owed it as per the card terms despite XXXX being out of business.
Consumer complaint received 2019-01-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Choice Recovery, Inc. (OH)

A phone call on XX/XX/XXXX ( XXXX ) with XXXX XXXX from Choice recovery took place regarding a debt collection attempt that I was unaware of. During this phone call, I mentioned that I do not remember ever receiving a bill from XXXX XXXX XXXX XXXX XXXX. because all my bills were being directed to my Lawyer. I explained that I was in a car accident where a vehicle hit me when I was stopped at a red light and the Lawyer was handling all the calls and the bills. 

At this point, XXXX XXXX from Choice recovery told me that he was no longer aloud to discuss this account with me by law and asked for my Lawyers number, so he could contact directly. I gave him my Lawyers contact information. 

Yesterday, on XX/XX/XXXX, I noticed that my credit score dropped 24 points!!! When I looked to see why it dropped, it stated that 7 new accounts were opened and the total number of derogatory accounts had also increase by 7. Looking into it further, I found that all 7 new accounts and 7 derogatory accounts were from Choice Recovery INC. 

Today XX/XX/XXXX, at XXXX XXXX I called XXXX XXXX at Choice and asked why they were attacking my credit. I was told y XXXX XXXX that they were unable to get in touch with my lawyer and by law they are not allowed to contact me without my Lawyer 's permission and can not discuss any other details about my case. I then asked to speak to his Manager. 

XXXX XXXX transferred a call to XXXX XXXX and she proceeded to repeat the same information that XXXX XXXX presented me with. I told her that I completely understand that they are by law not allowed to contact me with out my Lawyers permission, but if you couldn't get a hold of them, you could have at least informed of this information so I could call my Lawyer and have them directly reach out to you instead of just attacking my credit. ( They didn't get permission to contact me from my Lawyer but didn't get permission to attack my credit history either but they did!! ) I asked how a could get this removed from my credit history and she told me that I needed to contact my lawyer and have them contact Choice Recovery INC for something to be worked out before they could see if something could be done with my credit. 

They attacked my credit without my knowledge, without giving me a chance to resolve the issue, then hold my credit score hostage with no guarantee to fix my credit. How is this allowed? If they are not allowed to contact me by law and they don't get a hold of my Lawyer, I'm left in the dark till one day I get a surprise of a 24 point hit to my credit score!!
Consumer complaint received 2019-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (MA)

Continuous fraudulent interest charges of {$2.00} a month on my synchrony bank care credit account, on going for about a year. I called the bank in late XXXX to early XXXX to report this and they credited me for the fraudulent interest payments and said it would stop. They have continued to charge me fraudulent interest monthly for {$2.00} and I am reporting it to them again today XX/XX/2019.
Consumer complaint received 2019-07-13
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: CL Holdings LLC (CA)

Jefferson Capital Systems is showing that I opened an account with them. I have never had any dealings with company, no knowledge of the account with them and never authorized any charges or opened an account with them. When I disputed this with The credit bureau this company changed dates to look like I opened an account with them in XX/XX/2019. They keep updating their dates to make it seem like a current account to negatively impact my credit. I dont know anything about this company. Please help.
Consumer complaint received 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CO)

I have been on the phone with Equifax for two hours trying to obtain a login password because their automated login will not forward to me an email to change my password. The problem is there is no way to speak with a representative. I have called 5 different numbers and been through numerous ques. The other two agencies were easy to log into and do what I needed to do.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I am sending this to you today because I have pulled my most recent credit report and I am extremely confused. It is very troubling as these items are reporting as incorrect and inaccurate information. I would appreciate your assistance to solve these problems. 

I have done research at my end and as you and myself both aware, there are laws that guarantee that credit bureaus report accurate information. According to the FCRA, the information provided should be 100 % accurate, 100 % verifiable, and reported in a timely fashion. I am well aware you have 30 days to complete this investigation. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could possibly result in an investigation by the Federal Trade Commission. 
I must demand that you run a thorough investigation for each and every mistake listed, and a complete report MUST be provided to me after you have completed the investigation. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-14
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: Experian Information Solutions Inc. (LA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-05-14
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: Experian Information Solutions Inc. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust XXXX XXXX leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2019-01-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Offices Howard Lee Schiff, P.C. (CT)

The Law Firm Howard Lee Schiff has been collecting a debt for me for a XXXX credit card that I opened with XXXX XXXX store in XXXX, CT where I bought a TV back in 2009. I payed the remainder of what I owed with cash since I had just got married so I had cash on me. Never thought anything of it to save any paperwork since I just thought it was settled. Then the company I bought the TV from went out of business a few weeks later after I paid the TV off in cash. Next thing I know I'm receiving collection calls from XXXX saying I owe a debt and now interest. I refused to pay and then I started receiving collections calls from Howard Lee Schiff which I also ignored because I knew I owed nothing. That was a big mistake because they ended up suing me and took all of my money in the bank which left me no money in my bank until we went to court. This was years ago so I don't have exact dates and times. However I'm still being harassed from these people after we settled that I pay {$30.00} a month which I've now paid the TV over 3 times now. Somehow I see the last owed amount and it's at over {$1900.00} which is absolutely fraud. That's how much the TV was when I bought it 10 years ago! This has to stop as all I do is continue to pay them and the amount continues to go up. It's disgusting that these people get away with this.
Consumer complaint received 2019-07-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA ()

XX/XX/2019 Dear Sir or Madam : On XX/XX/2019 I paid my private student loan in full to : American Education Services XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX XXXX Account # XXXX and received a confirmation letter : XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS LETTER IS FOR YOUR INFORMATION ONLY. 
Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX | M-F XXXX XXXX to XXXX XXXX ( ET ) | XXXX | XXXX XXXX | XXXX | Why We Are Contacting You Congratulations! The loans listed on the reverse side of this letter are paid in full. This notice does not pertain to other loans we may be servicing for you. 
What This Means To You No further payments are required on the loans listed as paid in full. We appreciate your business and wish you success with your future endeavors. 

I did receive a refund cheque for overpayment. 

However when I log into my account there is a current balance of XXXX with an interest rate of 4.87 %. 

I sent a letter by courier requesting the account be closed. To date this has not been done.
Consumer complaint received 2022-08-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (SC)

I have a ffelp loan through Navient whom it states is Navient federal loan trust implying this is a federal loan under a federal trust. They talked me into forbearance for a year from XXXX to XXXX. They used sales tactics to allow for this forbearance and they have been sued by 38 states for such business tactics. The loan was originally under sallie Mae and unbeknownst to me was them privatized by Navient. This XXXX will be 20 years paying on this loan and I feel deceived thinking this was a federal loan, it was ok way back then to not make payments while interest accrued and I was talked into a 30 year loan like it was a great plan. Now Im reading that this type of loan will not be part of Bidens plan to forgive {$10000.00}. What options do I have?
Consumer complaint received 2023-06-26
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. (NC)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX RETURN MAIL XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : $ XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7000.00} XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$470.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$620.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (KS)

I called Freedom Mortgage on XX/XX/19. I made it extremely clear that I wanted to pay {$25000.00} to principal only. I know the call was recorded and I reconfirmed that it was for principal only. However, instead of applying the full {$25000.00} to principal, only {$19000.00} was applied to principal on XX/XX/19, and the remainder was applied to two extra regular monthly payments. On XX/XX/19, I received a physical letter in the mail, dated as of XX/XX/19, telling me that Freedom Mortgage was transferring my loan on XX/XX/19. Therefore, it seems as if Freedom Mortgage blatantly collected two extra interest payments against my wishes, and in turn, hoped to flip the mortgage to a different servicer before I noticed the error. I can't imagine this is legal in any way. 

I'm not exactly sure what legal recourse/ability I have to file a proper complaint, but if I would not have been diligent in my record keeping, it would have been monetarily detrimental to me and a benefit for Freedom Mortgage. 

Please find the attached screenshot of my Freedom Mortgage account as of XX/XX/19 that notates the incorrect application of principal along with the reversals after I discovered the error. I also attached the notice of transfer.
Consumer complaint received 2019-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Georgia Student Finance Authority (GA)

The company, XXXX XXXX XXXX XXXX XXXX XXXX is collecting money on behalf of the Georgia Student Finance Authority. Both companies are reporting my account as 180 days past due when that is incorrect. I have made payments and disputed this information with the credit bureaus and the credit company still reports incorrect information to them.
Consumer complaint received 2018-11-09
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: REGIONS FINANCIAL CORPORATION (CA)

I worked for XXXX XXXX, XXXX XXXX, CA and on XX/XX/18 i was paid with a Camdata debit card for the amount of {$540.00}. When i tried to withdraw the money Camdata took away the sum of {$27.00} instead of {$3.00} stated. 
I have made repeated calls but they will not refund or explain why in one transaction the amount is taken away for my payroll. 
This not fair as the amount is exorbitant. Thank you
Consumer complaint received 2019-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

Ocwen loans changed recently to phh When I first got this loan at closing they told me no penalties for early payoff and my loan had a cap of 9.99 %. I yearxafter getting my loan they informed me there is a penalty for payoff I opposed and complained. 
No action no answers nothing. 
Now today I get a letter saying that my interest now caps at 14 % This company is out of control. 
How can they change my terms after telling me in person what my terms are?
Consumer complaint received 2018-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have submitted numerous letters to Trans Union, XXXX and XXXX  over the course of 3 months with no response/no change.They are reporting inaccurate information on my credit file. Chapter XXXX which is still reporting over 10 years ( ref # XXXX credit file ) and Chapter XXXX which is still reporting ( ref # XXXX ) dismissed without prejudice on XX/XX/2018. Under the FCRA and federal trade commission law/statue these items should have been removed ( inaccurate ). XXXX XXXX ( ref amount {$1000.00} ) fraudulent account. I have submitted documentation from federal courts and letter from the company stating this account does not belong to the individual with no response or change from the all 3 credit  bureaus. The public records on my credit fille/report should have been removed after my letters and documentation. I have exhausted all resources that this time and am looking for help to correct this information/situation. I would greatly appreciated your help regarding this matter.
Consumer complaint received 2020-02-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Credit card taken out in my name unknowingly back in XX/XX/2015 store XXXX  by individual living in my home. 

I dividual had been XXXX for other XXXX, XXXX  etc.. 

Notified Portfolio Recovery however still showing on my credit reports. 

I am not responsible for said debt of {$1000.00} Portfolio Recovery has not removed
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

My Name is XXXX XXXX XXXX and I am a Victim of Identity Theft. As of XXXX of XXXX  I noticed on my Credit Report that a new card from XXXXXXXX XXXX XXXX XXXX XXXXXXXX ID # XXXX had been opened. At that time I contacted XXXX immediately to inform them that this was not my card that it was opened Fraudulently. I did not Authorize it, Approve it, nor did I sign for it, it was Identity Theft and Fraud and I would like it disputed and removed from my Credit File Account. Please Delete. 

Thank You, XXXX XXXX XXXX
Consumer complaint received 2019-07-14
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: Informative Research (CO)

Hi so I just saw a new inquiry on my credit report that I have never authorized to do so. I dont even know who this company is or why they are trying to access my information when I never said they could or have even talked to this company! The inquired on XX/XX/19 The name of the company is informative research XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2019-07-14
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (MI)

Had no prior notice of claimed debt or how much or why debt was owed. Suing company ( Calvalry SPV I LLC simply tried to serve summons notice via USPS mail and later sent summons server declaring there intentions to serve me summons. I only found out that I was being sued from attorney letter offering to help with law suit in letter dated XX/XX/2019.