davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXXXXXX XXXX Owed : {$11000.00}.
Consumer complaint received 2019-04-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transunion is reporting incorrectly that I am 120 days past due on the XXXXXXXX account. Please see the attached spreadsheet of reporting bureau and account number. Also, please reference pages 27 attached from my credit report. This account reports a {$0.00} balance and {$0.00} past due. However, it is coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an XXXX. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

It has been drawn out that XXXX Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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
Consumer complaint received 2020-12-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Students Come First (OR)

the company Students Come First XXXX, promised me loan forgiveness if I consolidated my government loans and charged me {$590.00} for processing fees but never told me these payments wouldn't go to my balance, promised after paying {$2500.00} that the balance would be forgiven. All of it is incorrect. My loan was consolidated with Federal Student Loan and they said they have never heard of a forgiveness loan program unless you are a teacher, that I will owe the entire balance and Ithey don't have any payments that I made to Students Come First nor do they make any payment arrangements by credit card which is what XXXX XXXX set up for me under Students Come First - I would like my money back
Consumer complaint received 2022-09-16
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. (GA)

MY NAME IS XXXX XXXX XXXX, AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND IDENTIFICATION AS IT CONTAINS MY FULL COMPLAINT AND REQUESTS.
Consumer complaint received 2023-09-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stenger & Stenger, P.C (TN)

There was a judgement in XXXX against my late husband 3 years before he passed away. I was not party to this. 

My late husband passed away in XXXX. According to court records, Stenger & Stenger has filed 3 times since my late husband passed away in XX/XX/XXXX. They filed 2 wage garnishments in XXXX and recently filed a bank levy against a joint account I had with my late husband. A mistake made by the bank is the only reason his name was still on that account. I reported his death to them and they failed to take his name off the account or put a note on the account that he was deceased. 

XXXX XX/XX/XXXX I checked my bank account online only to find I had no money. I immediately called the bank and they informed me about the levy and who I needed to call the next day. I called Stenger & Stenger and they gave me an email address to send a copy of the death certificate. I did so right away. I informed them that all the funds were solely mine, my husband had been deceased for 2 years, and the debt was not mine. How they managed to get a bank levy on a deceased person is beyond me, but as soon as they found out he was deceased ( assuming they didnt already know ), the bank levy ( hold ) on my account should have been lifted. They have ignored my instructions to do so and I am left with no money and no relief.

Stenger & Stenger have literally left a widow penniless and the debt/judgement was never mine. They filed 2 wage garnishments and one bank levy on a person who had been deceased for 2 years.
Consumer complaint received 2019-09-19
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. (GA)

This is my third time asking for an investigation of a bankruptcy ( XXXX ... ) reporting on my credit report. I asked in each of the three letters who verified this information. All three credit companies TransUnion, XXXX, and XXXX have said that the data furnisher is The United States Bankruptcy Court. I called the courts to verify this and they stated that they dont even report to the credit bureaus or third parties. TransUnion and XXXX  even went as far as saying that they will not re-investigate this matter after blatantly lying about their re-investgation. Also TransUnion, XXXX, and XXXX  state that they use XXXX to verify information. I have an attached letter from XXXX first showing that it is frozen and secondly that the bankruptcy was deleted out of there because it was incorrect, unverified and shouldn't have been in that report.
Consumer complaint received 2020-02-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (ID)

I have switched jobs due to a XXXX XXXX and am making significantly less money. My wages are currently being garnished lowering my income even further. I have tried to delay paying my loans because I honestly do not have the money to pay them, not because I do not want to pay. 

I spoke to two very aggressive employees who told me that I HAD to make a payment so I asked what should I not pay to pay them. They said that is not what they meant but I needed to make a payment. XXXX and XXXX both said to me that I should be looking for another job to help make my payments. XXXX said I should drive for XXXX or XXXX. I said I could barely afford my car insurance and driving for a for hire company would increase my personal car insurance. XXXX told me that was not true and I told her that I work in XXXX XXXX XXXX XXXX and I know that to be true, so she then launched into that I should go get a fast food job on the weekends. I told I have tried and that they won't hire me because I am over qualified. 
On top of all of this, Navient is currently calling me every 30 to 45 minutes. That is in direct violation of the FDCA subsection 806. I told them to stop and they said they could call me as much as they wanted as they are trying to collect a debt. This is harassment via constant phone calls and belittling me because I am unable to make payments at this time. 

Help!!!
Consumer complaint received 2018-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

This account from Bank of America is showing closed by consumer on my credit report. The account also said it is a charge off therefore it was not closed by consumer. The last payment made was XX/XX/2013 according to credit report. The remaining balance is also incorrect.
Consumer complaint received 2020-08-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (FL)

Hello I have tried to dispute this debt for some time now my identity was stolen after a horrible car accident I was involved in my car blew up on impact and I was XXXX lifted to the hospital along with my XXXX year old daughter at the time. This is one of those accounts that was opened under my name. The first dispute was a little over a year ago and it came back verified accurate and resolved in 3 days the company says the reviewed everything and that the debt is mine. I tried to dispute this again a week ago and they finally removed it from my credit report it dropped my report down by 23 points for removing the negative remark. I check my credit report again and this same debt shows up on my report dropping it another 7 points because of the negative remark. Im not sure what game this company is playing but its hurting my credit really bad I just got denied a rental home because of the issues caused by this company and my credit dropping so many points to just have this incorrect debt added back on my report causing more harm this is horrible and seems illegal I would like help resolving this matter thank you very much for your help.
Consumer complaint received 2019-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (TN)

On XX/XX/XXXX I connected with a CSR from American Express to inquire about a free night certificate I was supposed to receive after my anniversary date. My annual fee was charged on XX/XX/XXXX of {$95.00}. I contacted the CSR in XXXX to ask when I would be receiving the free night. The customer service rep said, in text through the amex chat feature, that I would receive my free night award no later than XX/XX/XXXX. It is now XX/XX/XXXX of XXXX and I still do not have the free night in my account. I contacted another CSR today, XX/XX/XXXX, and was told that I would not be receiving a free night certificate until after my XXXX anniversary. This is not acceptable and not what I was told. I would have cancelled the card back in XXXX if I knew this were the case. 

I have all relevant screenshots of the chat from XX/XX/XXXX as well as a copy of my statement showing the annual fee charged to my account on XX/XX/XXXX.
Consumer complaint received 2019-04-09
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. (TX)

This account is paid to XXXX XXXX XXXX Last reported : XX/XX/XXXX {$12000.00} Good Overview You've paid off 35 % of the original amount. 
Balance {$12000.00} Highest Balance {$20000.00} Monthly payment {$380.00} Opened XX/XX/XXXX ( 2 yrs, 6 mos ) Term 72 months
Consumer complaint received 2019-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

I have tried to get old addresses removed and addresses that are complete errors on my report. The credit reporting agencies seem not to care in any way. I just want my credit report to be factual and correct. Two addresses I use are XXXX XXXX XXXX   XXXX XXXX # XXXX XXXX XXXX XXXXXXXX, CA XXXX ... .. 

XXXX XXXX XXXX XXXX  XXXX, CA XXXX
Consumer complaint received 2020-02-06
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: NAVY FEDERAL CREDIT UNION (TX)

Back in XXXX this item appeared on my credit report from Navy Federal CU, Stating there is creditcard limit for $ XXXX and a balance of XXXX. i disputed this item to the credit bureaus stating this is not mine, Meanwhile, the item was moved for a few years or so and now as of XX/XX/XXXX it shows  up again on my XXXX  file. Once again i disputed this item and got a response from XXXX   stating its verified via Navy Federal CU and will remain on the file. So i contacted Navy Federal CU Fraud Dept and spoke with XXXX requested the original contract or application with my signature and XXXX said they are not allowed you must submit a subpeona in order to get the orignal contract with signatures. Then i back to XXXX  Dispute dept and requested they get proof with my signatures, the FRCA allows the credit bureaus up to 35 business days to respond and experian responded within the time frame but was not able to provide evidence.i contacted Navy fraud dept once again and they had me to filled out a Security Appeal Form which i will provide to you all, i also received a letter dating XX/XX/XXXX, stating the info is reporting accurately. i am a two time victim of identity theft. I also file a police report and gave it to the credit bureaus. I am not a member of Navy federal CU or never serve in the military. I am filing a complaint because this info is reporting inaccurately and Navy will not allow me to investigate this matter regards to my signature or ID. I am requesting this item be removed from my XXXX  credit file. This is been going for some time now. Your help is greatly appreciated Thank you Sincerely,
Consumer complaint received 2023-02-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (GA)

I received a payment book in the mail for a car loan in my name I didnt take out or sign for. Some one took my identity and went to buy a car. They signed a loan without my permission. It has also been late every month. Did I try to help the co-signer, yes. Never agreed to put anything in my name. I even told the dealership I would not put anything in my name. I have never made a payment. This should show it is not my bill.
Consumer complaint received 2019-04-09
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. (TX)

This account has been paid to a XXXX  balance. 


XXXX XXXX Last reported : XX/XX/XXXX {$12000.00} Good Overview You've paid off 35 % of the original amount. 
Balance {$12000.00} Highest Balance {$20000.00} Monthly payment {$380.00} Opened XX/XX/XXXX ( 2 yrs, 6 mos ) Term 72 months
Consumer complaint received 2022-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

PORTFOLIO RECOVERY ASSOCIATES LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virginia To : The Office of Registered Agent for XXXX XXXX XXXX From XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
3 ) Documentation that shows I agreed to pay this debt with my signature. 
4 ) The Agreement that grants you authority to collect on this alleged debt. 
5 ) A copy of your state license, including license number that give you rights to collect in my state. 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX  XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : XXXX. Harassment and abuse XXXX. False or misleading representations XXXX. Unfair practices XXXX. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. If you lack understanding of this paperwork, forward to your ATTORNEY. 





By : XXXX XXXX
Consumer complaint received 2021-02-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (NY)

I needed money for myself and my family. Old people and sick people are inclined to believe that there are also people in our society that are ready to help. And very soon, in XX/XX/XXXX, a person who was taking care of the less fortunate, appeared and offered me financial help - a big winning check from XXXX  XXXX XXXX that could solve my problems. But there was a catch : I have to pay fees to get the check delivered. The check was going to be delivered at the beginning of XXXX, then, the end of XXXX, end of XXXX and finally it was never delivered. However, the requirement for the money I had to provide never ended. First, this individual used up the money in my Bank account, when it finished, I had to take a {$25000.00} loan from XXXX and send it to him. Because the money I provided was not enough, he took all my credit cards and charged them to the top to make " more money ''. I insisted that he had to pay his debt and return immediately the cards but he didn't return them, nor he paid what he had bought, as he promised. The only thing he did was to " open an account in my name in XXXX XXXX XXXX  '' ( Routing number XXXX, Account number : XXXX, XXXX, Iowa, XXXX ) with {$40000.00}, so that I can start paying the credit card debts ''. I used efficiently the money to pay partially the credit cards. However, the same day, on XX/XX/XXXX, the checks were returned, because the bank declined the transactions. When the credit cards were blocked by the bank, he started squeezing all my savings and XXXX XXXX  accounts until they drained. To all my complaints, the answer was that if I did not agree, he was going to donate the winning check to charity. This check is still in the air. 
He was using any mean tactic to take more and more money from me. Initially I trusted him. At the beginning of XXXX, XXXX, XXXX he or his team purchased for {$12000.00} in the country XXXX, with foreign currency, home improvement stuff ( attachment 1 ). On the next statement all the purchases were for using of restaurants, XXXX XXXX attachment 2 ), nothing was paid. The next statement XXXX shows my unsuccessful attempt to pay the balance with the false account that the scammer has created and its almost immediate cancellation. However, the purchases mainly of gasoline continued. The scammer did a small payment of {$310.00}, so that he could continue to buy more gasoline and go to more restaurants. At the end of XXXX, the balance reached {$16000.00} and continues to go up because of the fees. The fraud department of Discover declared that I had authorized the charges and wants me to pay the balance. As I have already explained : 1 ) I did not authorize the scammer to buy materials etc., stuff that I have no idea about ; 2 ) I was completely robbed and can not pay anything