davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-04
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (NY)

I 'm currently in contract to get a home loan a debt came up on my credit report from diversified collection agency which I contacted and they explain to me is from a time warner account under the name of XXXX XXXX which is not me my name is XXXX XXXX. This agency said my social security was used to open this account and they received that account from XXXX. I contacted XXXX they assure me and confirm that account was not open with my social security number or my name and I 'm an not affiliated with that account at all and they do n't know why that collection agency is trying to collect from or why they are saying my social security was used to open the account. There 's no fraud committed the only fraud I see is this collection agency pinning this debt on me. I believe is because yes I went through collection for a minor amount about 8 years ago and me and this person have the same last name so they picked my social security number to pin this on my credit report. So I was forced to pay the debt in order to make sure I get my home loan. But I did it in a dispute with XXXX which suppose to contact that collection agency and confirm that debt is not mines. I explain that to the collection agency but they still think is me I told them I want my money back asoon as this clears out. It seems like this collection agency do n't want to hear me out. It is not right what they are doing I 'm more upset about not getting this loan for my first home because they decided to mess up my credit.
Consumer complaint received 2019-06-28
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: TD BANK US HOLDING COMPANY (TX)

Around XX/XX/XXXX-XX/XX/2017 I called XXXX  to tell them about a double account that been reported for T.D Bank and I explain to them that one of those account is open and the other one is closed and but I never mention my account as fraud and they removed it and T.D Bank has closed my account because of identity theft which is not true and later on reopen my account back and it hasn't been reported back to XXXX at all and it only being reported to XXXX and XXXX  at this Time now I contacted TD BANK to see if they can reinserted back to XXXX report but they didn't do it and I kept getting letter from them saying that im giving them insufficient information to them and they were no help to me and I need to have this credit card reported back my account number is XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (MI)

In XXXX, our family " bundled '' our XXXX wireless and internet accounts. In XXXX 2016, XXXX internet send us notice our service was canceled due to an unpaid amount. This amount included the XXXX wireless service, which had been paid in store. XXXX internet sent us notice we still owed over {$500.00} for the internet, even while our bill never was more than {$50.00} monthly ( we were also not 30 days late ) for the service. XXXX internet then sent us notice of their collection for the entire amount, even though they admit they could not verify their claim. 
XXXX internets improper, ilegal collection activity has complicated and limited our ability to obtain a home mortage.
Consumer complaint received 2023-03-18
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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  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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-06-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synerprise Consulting Services, Inc. (TX)

Synerprise consulting is attempting to collect a medical debt that states I went to XXXX XXXX XXXX in XX/XX/XXXX. I didnt go to a urgent care facility in XXXX, let alone in XX/XX/XXXX. I moved to XXXX Texas in XX/XX/XXXX which is near XXXX TX. XXXX XXXX XXXX is in XXXX TX which is near XXXX TX and a 4 hour travel distance. This is fraudulent
Consumer complaint received 2019-06-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MIDCOUNTRY FINANCIAL CORP (MO)

I got a installment loan with Heights Finance in XXXX. Lost my job due to work comp case in XXXX, they were notified. In XXXX, I received a letter from collection agency for {$3200.00}. I remained in contact with company. In XXXX, I received the last billing statement stating acct balance was {$3200.00}, but I was only able to pay {$98.00}, bringing total to {$3100.00}. The account went into charge off status. Had XXXX on elbow that same month & short term XXXX had not started yet. Company was aware, but continued to call & harass me twice a day even after the change in acct status. Due to the stress that caused, I wrote them & demanded they no longer call me, but to communicate in writing from here on out. Credit report disputes from XXXX, show they reported the balance to be {$3100.00} up until I paid {$3200.00} in XXXX, then they all of a sudden show an unpaid balance, today they show XXXX payments due for XXXX & XXXX. The company has never sent an updated statement showing any unpaid balance-my address has never changed, which could have been paid in XXXX if there were any, but continues to increase it on my credit report. Thankfully I check that or I would have no idea what they're doing!! The company also continues to update the account as if it is currently open. Everything they've sent me in XXXX shows the balance being {$3200.00}, I have a copy of the last statement & the check from the bank & when they processed it. The company themselves reported {$3200.00} for months, then {$3100.00} for months then when it was paid off they added more ... that's WRONG!!
Consumer complaint received 2020-12-22
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 been sending letters to all XXXX, TransUnion, and XXXX  to validate a XXXX XXXXXXXX XXXX debt they claim is mine. I have went through an Administrative Process with XXXX XXXXXXXX XXXX to see if they can bring forth original, signed documentation, but they have not done so. I am nervous that these credit agencies are just using the XXXX system to validate the debt, which I never gave consent to.
Consumer complaint received 2019-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TCF NATIONAL BANK (MI)

A TCF employee in XXXX XXXX, MI threatened to refuse to process a charge dispute when I requested to close my account. When I asked for her boss, I was directed to the branch manager. The branch manager continued the threat ; if I closed my account, I would lose my ability to dispute charges and subsequently the money that belonged to me. 

Despite two complaints about this to the CFPB, no one from TCF has contacted me about being threatened by two of their employees. I attempted to resolve this through their customer service phone number. I have yet to receive any direct, returned communication from TCF. 

Twice TCF has responded to CFPB complaints with a {$17.00} refund claim. I have not been refunded anything, nor is that the dollar amount of the dispute. 

TCF refuses to contact me regarding this issue and continues to issue nonsensical responses to my CFPB complaints.
Consumer complaint received 2024-03-26
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: T.S. Holdings (MN)

The company is IQ Data. They have repeatedly called us multiple times a day with fake numbers to look like they are local calls. They have called family on multiple occasions even after asking them not to. 

They went against Minnesota law and added more interest than what state law allows. 

When we set up a payoff for them and couldn't make the payment date we called them to set up another option where they pressured us to ask family or take out a loan instead of helping us in creating a payment plan with them. 

When that payment date came, even though we called and asked them to cancel the automatic payment and to set up a new payment date, they still charged our account for the full amount.
Consumer complaint received 2022-09-09
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: Capital Accounts, LLC (TX)

Filed a complaint on XX/XX/2022 with CFPB. Company responded on XX/XX/2022. In the response company stated that they will submit documentation to credit bureaus to delete from credit reports. As of XX/XX/2022 company is still reporting negative information on my credit reports.
Consumer complaint received 2019-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NY XXXX FAX # XXXX XXXX XXXX XXXXXXXX, XXXX, UT XXXX Mrs. XXXX XXXX, Complaint Contact Mr. XXXX XXXX XXXX, President/CEO Board Member XXXX RE : ACCT # XXXX Balance {$1700.00} Friday, XX/XX/2019 To Whom It May Concern ; I recently received a copy of my credit report and have sent requests for information to be verified as reporting 100 % accurate and complete. Experian and XXXX   both have sent results based off the information you provided to them. Please see the information below : EXPERIAN RESULTS REPORT # XXXX Dated XX/XX/2019 XXXX XXXX  UPDATED THE BALANCE TO {$1700.00}. 

XXXX  RESULTS REPORT # XXXX Dated XX/XX/2019 XXXX XXXX  REFLECTS THE FOLLOWING : DATE UPDATED XX/XX/2019 ; ORIGINAL CREDITOR XXXX XXXX ; RATING and REPORTING A BALANCE OF {$1700.00} Upon receipt of these results, I contacted your offices today to resolve this matter only to be told that you had sold this account to XXXX XXXX. I AM DEMANDING A COPY OF THE BILL OF SALE AND ALL OTHER DOCUMENTS REGARDING THIS ACCOUNT BE SENT TO ME IMMEDIATELY VIA FAX AT XXXX AND TO MY HOME ADDRESS LISTED BELOW. I HAVE CCD THE CFPB, FTC and THE ATTORNEY GENERALS OFFICE IN YOUR STATE AS WELL AS MINE AS YOU HAVE VIOLATED MY RIGHTS! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Consumer complaint received 2018-11-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I am not positive about the exact date when this situation started but I was alerted to it on XX/XX/XXXX. I logged into my Navient account to discover that one of my signature loans had been put into deferment until XX/XX/XXXX. This action was done without my consent. I was given no notifications about this action by mail, email, phone or otherwise. I have sent Navient an email about this situation and I tried calling their customer service line today on XX/XX/XXXX but they are closed for the holidays. Their automatic phone directory did not say when they would open up again to phone calls. I couldn't find any explanation, on Navient 's website, as to why this action took place. My account claims that this action was taken because I have returned to school. This should not affect my loan status. My loans should never be tampered with, without my consent.
Consumer complaint received 2020-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (CA)

Lost card when I had an account with them sent bank memo and police report advising of such. Post dated autopsy enrolled resulting in returned payment. 

They closed my account then advised they would be reopening. After months i continued to go back and fourth with every rep offering a different answer. 

I was advised allow 30 days that never happened. Then after months of following up instructed to reapply contrary to what I was informed by over 8 reps. I was advised I was blacklisted by a special department and transferred to the office of the President.

The condescending representative from the office of the President stated she has no idea why my account was flagged as payments were kept up and the account paid off it should be removed she would have removed but they would not reopen Then they refuse to remove and have blacklisted me for life she stated. What kind of service are you running are you serious?
Consumer complaint received 2019-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX FAX # XXXX XXXX XXXX XXXX, XXXX, UT XXXX Mrs. XXXX XXXX, Complaint Contact Mr. XXXX XXXX XXXX, President/CEO Board Member XXXX RE : ACCT # XXXX**** Balance {$1700.00} Friday, XX/XX/2019 To Whom It May Concern ; I recently received a copy of my credit report and have sent requests for information to be verified as reporting 100 % accurate and complete. XXXX and XXXX both have sent results based off the information you provided to them. Please see the information below : XXXX  RESULTS REPORT # XXXX Dated XX/XX/2019 XXXX XXXX   UPDATED THE BALANCE TO {$1700.00}. 

XXXX  RESULTS REPORT # XXXX Dated XX/XX/2019 XXXX XXXX REFLECTS THE FOLLOWING : DATE UPDATED XX/XX/2019 ; ORIGINAL CREDITOR XXXX XXXX ; RATING and REPORTING A BALANCE OF {$1700.00} Upon receipt of these results, I contacted your offices today to resolve this matter only to be told that you had sold this account to XXXX XXXX. I AM DEMANDING A COPY OF THE BILL OF SALE AND ALL OTHER DOCUMENTS REGARDING THIS ACCOUNT BE SENT TO ME IMMEDIATELY VIA FAX AT XXXX AND TO MY HOME ADDRESS LISTED BELOW. I HAVE CCD THE CFPB, FTC and THE ATTORNEY GENERALS OFFICE IN YOUR STATE AS WELL AS MINE AS YOU HAVE VIOLATED MY RIGHTS! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Consumer complaint received 2019-03-26
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: SYNCHRONY FINANCIAL (CA)

In late XXXX I received my rewards balance statement which told me that the bank was no longer mailing out yearly checks for their rewards program and that the rewards were loaded on our XXXX XXXX account. Customers are to go into XXXX XXXX and either apply these rewards to their credit account or they can be applied towards a purchase of their choice. I tried to redeem my rewards on a number of occasions without any luck. I was given numerous excuses and was made to hop through hoops to try and redeem my rewards that theyve done nothing to try and assist me. I was forced to get a new card, forced to wait, and made to call their customer service. After a months period of time, I got fed up and decided to contact your office.
Consumer complaint received 2019-06-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (TX)

I applied for a payday loan for the amount of {$850.00} with the agreement to pay back {$1000.00} ( loan + interest ). Refinancing the task and postponing the payment two weeks resulted in a total amount of well over {$2100.00} due. This was XXXX this year and I am still paying it back due to an installment plan I set up over the phone, but the agent I spoke with could not give me a clear reason why I ended up paying almost 3 times the initial loan amount.
Consumer complaint received 2019-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX FAX # XXXX XXXX XXXX   XXXX, XXXX, UT XXXX Mrs. XXXX XXXX, Complaint Contact Mr. XXXX XXXX XXXX, President/CEO Board Member XXXX RE : ACCT # XXXX Balance {$1700.00} Friday, XX/XX/2019 To Whom It May Concern ; I recently received a copy of my credit report and have sent requests for information to be verified as reporting 100 % accurate and complete. XXXX and TransUnion both have sent results based off the information you provided to them. Please see the information below : XXXX RESULTS REPORT # XXXX Dated XX/XX/2019 XXXX XXXX UPDATED THE BALANCE TO {$1700.00}. 

TRANSUNION RESULTS REPORT # XXXX Dated XX/XX/2019 XXXX XXXX REFLECTS THE FOLLOWING : DATE UPDATED XX/XX/2019 ; ORIGINAL CREDITOR XXXX XXXX  ; RATING and REPORTING A BALANCE OF {$1700.00} Upon receipt of these results, I contacted your offices today to resolve this matter only to be told that you had sold this account to XXXX XXXX. I AM DEMANDING A COPY OF THE BILL OF SALE AND ALL OTHER DOCUMENTS REGARDING THIS ACCOUNT BE SENT TO ME IMMEDIATELY VIA FAX AT XXXX AND TO MY HOME ADDRESS LISTED BELOW. I HAVE CCD THE CFPB, FTC and THE ATTORNEY GENERALS OFFICE IN YOUR STATE AS WELL AS MINE AS YOU HAVE VIOLATED MY RIGHTS! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Consumer complaint received 2020-02-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (FL)

I had credit card company called for payment gave the company the correct info for payment which was already on account company calls back a month later stating that they close my account for none payment had company info they stated that they put in the wrong info. I then asked that can I make the payment and be able to use my credit card they stayed no I will I have to have my credit ran again. Didnt want my credit ran again asked can I pay off the balance, they changed a XXXX dollar balance to a XXXX dollars balance which I feel was not my fault. Then the calls started I should only have to pay the XXXX dollars which is was less then what I owed on the credit card
Consumer complaint received 2020-12-22
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: ENCORE CAPITAL GROUP INC. (MI)

I submitted a letter to Midland MCM on XX/XX/2020 asking them to validate an account that they are reporting on my credit report. I requested the original application with my personal signature on it and have not received it. 

I am a XXXX working with COVID-19 patients everyday and that alone is extremely stressful. Not to mention risking my own life day in and day out going to work taking care of infected patients. To add to my stress, Midland MCM keeps reporting something on my credit that does not belong to me. This is more than I can bear.
Consumer complaint received 2024-03-26
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

Last year, I closed my Best Buy Citi Bank card. However, today, on XX/XX/2024, I unexpectedly received an email stating that I had a minimum payment due by XX/XX/2024. As a precaution, I made the payment and then initiated the process to close my account. During a phone call with a company representative, the representative confirmed that my account was indeed closed and assured me that they would cancel the payment. They provided me with a reference number for the account closure and will send by mail a confirmation. 

I would appreciate measures being taken to ensure that such occurrences do not repeat themselves next year. Additionally, it would be beneficial to implement safeguards to protect other individuals who may encounter similar issues with the same credit card.
Consumer complaint received 2023-03-18
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: EQUIFAX, INC. (GA)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2019-06-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Student Loan Financial Assistance (WA)

XX/XX/2019, I got a phone call from the Student Loan Financial Assistance program. They call themselves SLFA. They reported that I was liable for a student loan forgiveness plan due to income. They seemed super legit. They have a website, and they gave me a phone number to call. They already had all of my information, including my social security and my address. I didn't give them either of them. I figured the only way they could know that was if they were a real company working on my loan. I was advised that if I paid XXXX for 5 months, the rest of the year I would make XXXX $ payments. After the year my loan would be put on hold as long as I kept the same income for the 105 months it would take to pay it all off. After the year of paying XXXX for 5 months and XXXX for 7 months I would not be reliable to pay any other monthly payments towards my loan. XXXX was taken out of my account XX/XX/2019, then again XX/XX/2019. No other money was taken out so it seemed legit. I recently got a call from my loan office saying I hadn't paid my monthly dues since XXXX. I went to the " account '' I had with XXXX and it states that I have paid XXXX and owe them a late fee of XXXX XXXX I tried to call them for answers and they hung up on me.