davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-14
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: Experian Information Solutions Inc. (FL)

This complaint is being brought due to the fact in the month of XXXX I submitted a dispute to Experian in regards to fraudulent items on my consumer credit report but did not hear back in regards to an update towards my dispute when contacting Experian they stated that they had no information despite the fact of receiving my dispute via XXXX mail certified. I am a victim of identity theft and this blatant disregard to my due process via the FCRA section 605B, included in my dispute over the fraudulent items was the following, a copy of my current drivers license a copy, my official Social Security card, a copy of my current utility bill establishing identity and address a direct letter from entity where the information breach took place as well as a copy of my FTC identity fraud affidavit and local police report. 

It is damaging enough to have been a victim of a data breach, yet now I am not being acknowledged in my dispute and my congressional rights are being violated.
Consumer complaint received 2018-02-23
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Performance Management, LLC (CA)

whatever company this is has been calling my cell phone repeatedly since XX/XX/XXXX since XXXX/XXXX   XXXX, they constantly call, pretend to leave a voice mail ( with no message ) and continue to argue with me that I am a person called " XXXX or XXXX '' so I assume this may be a debt collector. I have repeatedly called them numerious times and told them I am not XXXX or XXXX and to take me off their callling list. They continue to call me numerious times a day and when I call back they put me on hold or hang up on me and when I ask to speak to a supervisor they put me on hold for a long time, hang up on me or argue with me. I am ready to pull my hair out. In the last two weeks I have had at least 30 to 40 calls and when I finally get someone to answer my call and demand that they take me off their list to call they say that I need to wait 24 or 48 hours and to " give them a chance '' which is the same story they have been giving me for 2 months now. I can not believe that a company can be so RUDE and abusive!
Consumer complaint received 2021-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed withe all 3 credit bureaus about 30 day late payments on my credit report. The credit bureaus investigation results said that the lates are factual but are false.On XX/XX/2021 I received a letter from creditor stating that they have done an investigation with the credit agencies and did not find ANY reporting of delinquent payments! The bureaus still have not removed the derogatory marks from my records.
Consumer complaint received 2022-12-14
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. (CA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-04-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc ()

This in in regards to my paypal they hold my money and said wait for 180 days.Im an online seller of virtual products to support the needs of my family in this time of crisis since i dont work anymore due to covid 19 and why they hod my money its my hard earned money.
Consumer complaint received 2018-04-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (CA)

In XX/XX/XXXX I originally reached out to XXXX XXXX for assistance repaying my loan and seeing if I could get a lower monthly payment or other options due to the fact that my income had significantly changed. I was told that the only option offered by the compan was a forbearance of 3 months. This cost me a total of {$150.00} fee ( {$50.00} for each loan ). The {$150.00} did not appear to have been applied to my loans and I continued to accrue interest over that 3 months that totaled around {$500.00} that was added to my loan amounts. 
I again reached out to the company on XX/XX/XXXX for financial difficulties and again was told that a 3 month forbearance was my only option. Again paying a fee of {$150.00} and accruing {$450.00} during that 3 month period. I have documents for the XX/XX/XXXX forbearance and am currently working getting records of my XX/XX/XXXX, as the company only allows users to view statements for 24 months. 
I have also had several interest rate increases in the life of my loan without any prior notification of rate increases until I notice it on my bill causing my monthly payments to increase by over {$100.00} in the life of the loan.
Consumer complaint received 2023-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (TX)

Discover, I'm writing you because you've charged my account with almost XXXX in charges and fees which took place during the time I suffered with Covid19 in spite of regulations prohibiting such charges, this is not acceptable behavior on your part. 
No one should be penalized because of something they had NOTHING to do with.
Consumer complaint received 2017-05-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY (IL)

I lost my job at  XXXX   XXXX   XXXX  in  XXXX  because I could not meet all of the excessive sales quotas they had placed on me. It took me several months to find a new job, so I did not have any income at all for over a month until I found my current position which is only part-time and will not allow me to work a second job. I am twice widowed and do not have any other income so of course fell behind on my payments due to this. I have been trying to catch up my rent and car payments first and was then going to make payments on credit cards by end of  XXXX , but my Nordstrom credit card has piled on  XXXX  in late fees and  XXXX  in interest, the card only had a  XXXX  credit limit and only at  XXXX  in   XXXX   XXXX     but is now at  XXXX !!! These fees are excessive and nothing but pure greed ( which they will answer to  XXXX  for in his time for trying to take advantage of a widow ) and unfair!! If they want a payment and for me to eventually pay off the actual balance owed on the card of  XXXX , they will need to remove all late fees and interest, send me a corrected bill and give me until the end of  XXXX  to make a payment. My bills are currently  XXXX  a month more than my monthly income. I also want all contact from them in writing by mail only!
Consumer complaint received 2018-04-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

I HAVE BEEN DEALING WITH SALLIE MAE NOW NAVIENT WITH MY STUDENT LOANS EVER SINCE I ATTENDED XXXX XXXX IN XX/XX/XXXX-XX/XX/XXXX. NAVIENT STEERED ME TO A FORBEARANCE WHEN I GRADUATED IN XX/XX/XXXX BECAUSE I COULD NOT PAY THE $ XXXX  MONTHLY PAYMENT, SOON AFTER MY FORBEARANCE WAS OVER MY LOANS WENT INTO DEFAULT REALLY HURTING MY CREDIT, THEY THREATENED TO GARNISH MY WAGES. SALLIE MAE AT THE TIME MENTIONED TO ME THEY WERE GOING TO WORK WITH ME BUT ALL IT WAS AN INTEREST ONLY PAYMENT AND THE LOAN AMOUNT KEPT GETTING HIGHER AND HIGHER EVERY MONTH WITH THERE RIDICULOUS INTEREST RATES OF 10 % -12 %. STILL TILL NOW IT HAS BEEN ALMOST 10 YEARS OF PAYING AND I STILL OWE XXXX ON THESE PRIVATE LOANS. THE LOANS FROM XXXX I CALL THESE. I AM A VICTIM OF DEFRAUDED ON THESE LOANS AND A MALPRACTICE BY NAVIENT IN MANAGING MY LOANS.
Consumer complaint received 2022-05-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC. (CA)

In the month of XXXX 2021, I began the process of refinancing one of my properties. I wanted to facilitate the process and continue using Sun West Mortgage Company Inc. ( XXXX XXXX ) The first person I spoke with was XXXX. He told me that it was going to be an easy process. My rate was locked at 2.8 %. I provided the required documents, then XXXX began to handle the loan. After several weeks my brother and I began signing several automated documents on XXXX '. We were also made to pay {$500.00} dollars for an appraisal. For several weeks we were avoided and my phone calls or emails were not answered. I tried calling different numbers from Sun West and it seems that every single person I Spoke with was a " manager '' but they could not resolve any issues. I also submitted documents to the underwriter XXXX XXXX just to be told that they would NOT be accepted. so why ask for them in the first place? They had problems checking my brothers income for technical reasons on there behalf. I also paid off all my debt even my student loans and on that day my loan was canceled. I filled a complaint with the XXXX  After Sun West received the complaint another agent from the bank called me trying to help expedite the loan and asking for more documents which I sent. One week later they called me back saying that because the loan was cancelled and without my consent my new rete would be 5.5 %! why do we now qualify? It has been about 8 months without resolution. I have not contacted an attorney in regards to this matter but I want to start that process. I encourage attorneys to reach out to me in this matter for input. All this has taken a toll on my mind and health not just on me but for the rest of my family. We seek compensation for damages on many levels. I want Justice done ASAP.
Consumer complaint received 2022-05-06
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. (GA)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2020-11-10
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. (FL)

After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. As I stated, I have already given your company quite enough time to investigate the items in question, but I am willing to give you one more chance. If I do not receive results of your investigation within 15 days of receipt of this letter, I will be forced to file suit against your company. I will also be contacting the XXXX XXXX XXXX and the Federal Trade Commission.
Consumer complaint received 2019-04-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NY)

I tried to buy concert tickets via cash app with my wells fargo bank account. I sent the month and never received my tickets. 

Date : XX/XX/2019 Amount : {$400.00} I emailed support at XXXX XXXX and they told me to contact Wells Fargo. Wells Fargo told me to contact XXXX XXXX.
Consumer complaint received 2022-05-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (NV)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against NATIONAL CREDIT SYSTEMS for committing identity theft. I have never given NATIONAL CREDIT SYSTEMS any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any type of documentation requesting validation from NATIONAL CREDIT SYSTEMS before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If NATIONAL CREDIT SYSTEMS can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until NATIONAL CREDIT SYSTEMS can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and NATIONAL CREDIT SYSTEMS continues its collection efforts, I will file for litigation for actual damages caused and NATIONAL CREDIT SYSTEMS will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

Hello My name is XXXX XXXX, A federally protected consumer. Im submitting this complaint in response to Complaint XXXX in regards to Experian for violating my rights to privacy and fraudulently debt parking information on my consumer report. This original complaint has been submitted well over 30 days ago without a response. By law these items need to be removed from my consumer report. Experian has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false information to my consumer report without my lawful authority. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency to furnish any of these items to my consumer report. It is my belief that the consumer reporting agencies, ( such as XXXX, Experian, XXXX ) parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX and TransUnion credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX XXXX Balance : {$17000.00}
Consumer complaint received 2022-05-06
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. (GA)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-10-18
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: OneMain Finance Corporation (TX)

I work as as a nurse in a small community hospital, XXXX XXXX XXXX XXXX. I believe someone got my ID out of my purse and used my name, address, and DOB to attempt to open up multiple personal loan accounts under my name. I have had multiple hard inquiries on all three of my credit reports from numerous banks including, XXXX, XXXX, XXXX, XXXX, and most recently XXXX bank. 
I have been in contact with all of these institutions to let them know I am a victim of identity theft and this was not me. 
I have also placed credit freezes with all three credit bureaus. 
My police report has been filed with the XXXX XXXX XXXX XXXX on XX/XX/10. 
XXXX XXXX XXXX Department XXXX Deputy XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2020-11-10
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. (TX)

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 XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX {$340.00} XXXX  XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX {$540.00} U.S. DEPARTMENT OF EDUCATION XXXX {$11000.00} USDOE/XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX  XXXX {$5100.00} XXXX XXXX | Date of Inquiry : XX/XX/XXXX View / Edit Dispute this XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX View / Edit Dispute this XXXX XXXX XXXX. XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX | Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX | Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Consumer complaint received 2022-05-06
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. (MI)

In accordance with the fair credit reporting act XXXX  accounts- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Has violated my rights 15 usc 1681 section 602 A states i have a right to privacy. And also 15 usc 1681 604 A section 2 also states a consumer resporting Agency can not furnish a account with out my written permission.
Consumer complaint received 2022-05-06
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: CITIBANK, N.A. (CA)

15 USC 1681 Section 602 States Im have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer repoting agency can not furnish account without my written instruction.

15 USC 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (FL)

I have been trying to remove an Public record that has been incorrectly reporting on my credit report. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation of not reporting 100 % accurate. I am not disputing that I file the bankruptcy. 

Currently listed on all 3 credit bureaus are different court names and different case number/Docket number. I ask you how can 3 of our Bureaus report 3 different record. 

I have went ahead and contacted Lexis Nexis to remove this inaccurate Public record. I already contacted the courts and have provided me the letter that they do not release any information to anyone. 

I have also attach a copy of there bankruptcy report and my Bankruptcy report showing different and incomplete information.
Consumer complaint received 2018-04-25
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: Experian Information Solutions Inc. (VA)

I never authorized this company to obtain a copy of my credit report. I disputed this with company and credit bureau with no response. I want to see the application signed by me which should be on file. This violates the Fair Credit Reporting Act. These inquiries need to be removed or show me where I authorized these companies to obtain my credit report. The credit bureau 's need to remove the following inquiry : XXXX XXXX XXXX. XX/XX/2018. I never authorized this company to obtain a copy of my credit report.