davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There are two derogatory reports showing on my credit report under Transunion and I tried to contact them to correct it. I did it through their website and I opened an account which they required. Every time I tried to log in to their dispute, this is what I am getting this error message " We are experiencing technical difficulties ''. And what were showing on their URL link is this XXXX XXXX XXXX Transunion keep sending me an email to pay a yearly fee for my credit report. It seems to me that they will not allow me to dispute the claims online unless I pay them a yearly fee. Both of those derogatory remarks on my credit are settled and paid. 

XXXX - reported XX/XX/2018 XXXX - reported XX/XX/2018 My credit score is way down because of those two derogatory marks from Transunion, and I would like to request your assistance to get this clear. Transunion is not cooperating.
Consumer complaint received 2020-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GLA Collection Company, Inc. (KY)

XXXX XXXX  has consistently and repeatedly reported incorrect information to the credit bureaus, currently reporting late payments on accounts that are in collections, and have no payment agreement in place. Therefore, misrepresenting my relationship with them, and causing harm to my financial situation. The credit bureaus have allowed them to continue to be negligent and harmful and get away with it. 

Collections accounts are not allowed to have a history of late payments! I do not have a payment agreement in place with these companies. Please delete these grossly incorrect and damaging reports from my credit reports. A collection is by default, derogatory, this goes without say. Please delete these immediately!
Consumer complaint received 2018-11-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NH)

I received a letter from CCS saying that I owe $ XXXX.They say I owe this to XXXX and I do not. They have also been calling my cell phone and I NEVER have given them permission to call me or call me on my cell phone. I faxed a debt validation request letter to them on XX/XX/18 to XXXX. This is the CCS President XXXX XXXX fax number. I have a confirmation saying this was faxed and received on XX/XX/18. I also requested in writing that they cease all phone calls including my cell phone number that they have never been authorized/given permission to use. This was included in the fax they received on XX/XX/18. They have called me on my cell phone at work repeatedly and during meetings and other times while I have been at work. They have not stopped from calling me, and they listed the alleged debt on my credit reports negatively affecting my credit. They failed to comply with the FDPA and have not ceased calling me, they also have not responded to my debt validation letter requesting validation of this alleged debt and they added the alleged debt to my credit report. They haven't responded at all to my letter and not by the required 30 days. They are to immediately delete this from all credit bureaus and to cease all collection activity for this alleged debt that they have not validated.
Consumer complaint received 2018-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TN)

Dates XXXX, XXXX, XXXX, XXXX, I have disputed Case number XXXX, Case number XXXX, I even mailed the court, the credit bureaus stated this account was filed with to see how this was verified on my credit and I have their response stating they dont verify with credit bureaus thats a third party resource. I am very disgusted that a third party is responsible for inaccurate information placed on my credit a long with the credit bureaus. I have a letter included a long with the person I believe this account belong to.
Consumer complaint received 2024-04-12
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (CA)

I made over 7 demands over the phone and in writing disputing my alleged remaining debt of over $ XXXX on an original {$17000.00} loan in XX/XX/year> which I paid over 5 years and over {$35000.00}, and they are alleging that I still owe over $ XXXX because they are illegally using predatory methods to apply {$8.00} or {$9.00} a month to the principal and illegal interest and late fees to extend the life of the loan while refusing to verify the loan. All disputed debt must be verified to be valid. I made demands over the past 2 years and over 6 demands in writing over the past 6 months. They have yet to send me the loan verification documents or the payment history. The debt is disputed and all collection efforts must cease. They refuse to send me the payments verifications for the past 5 years. I want an open investigation into their practices and especially into the local eagle rock local branch manager who uses illegal threats. Threats to repossess a disputed debt while she refuses to validate the debt.
Consumer complaint received 2018-08-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC (GA)

I have no idea who Receivable Performance Management is or  who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Receivable Performance Management is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 
2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized Receivable Performance Management as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ XXXX XXXX } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to Receivable Performance Management, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Consumer complaint received 2020-12-13
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Clarkson Law Firm, LLC (SC)

Clarkson XXXX  XXXX XXXX are debt collectors attempting to collect a debt on behalf of XXXX XXXX XXXX and XXXX. I would like to know who gave Clarkson and XXXX XXXX my personal information. I did not agree to any contracts with Clarkson and XXXX XXXX to pay this company anything. I did not authorize Clarkson and XXXX XXXX, XXXX XXXX XXXX, or XXXX  to use my personal information. 
Recently I priority mailed Clarkson and XXXX XXXX, XXXX XXXX XXXX, and l XXXX letters and each company is well aware of what will be the outcome will be if they continue to harass me.
Consumer complaint received 2020-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Student Loan Financial Assistance (NY)

I spoke with a representative from a company called Student Loan Financial assistance. He went over payment plans with me and stated he consolidated four loans into two loans. He then told me that I will pay {$170.00} for the first three months and Then after that I will pay {$88.00} a month. He used my email as a FASFA username and gave me a temporary password. He told me to log in and that is where I had to submit my paystubs. He then sent me an email of a contract that I had to electronically sign. He took my bank account information and told me they will make automatic payments. My first payment of {$170.00} was withdrawn from my bank account on XX/XX/XXXX. I logged into my XXXX account ( My actual lender ) thinking they are the ones who are taking out the money and noticed no payment was made so I figured it was a glitch in the system. On XX/XX/XXXX, another payment of {$170.00} was withdrawn from my account and again I went on my XXXX account and again no money was withdrawn. The same day I called XXXX in the morning to find out if they have been receiving the money and they informed me that they havent and stated that Student Loan Financial assistance were not actually from XXXX and was taking money from me.
Consumer complaint received 2020-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (WA)

THIS COMPLAINT IS IN REGARDS TO PAYPAL! FOR THE PAST 3 MONTHS I HAVE BEEN TRYING TO GET IN CONTACT WITH THEM FOR MULTIPLE FRAUD CHARGES AND ITEMS NOT RECIEVED CHARGES ON MY CREDIT/. BANK CARD. EVERY DAY XXXX CALL AND CAN NOT GET ANYONE. THEY SAY TO EMAIL THEM ABOUT MY ISSUES SO I DID AT LEAST 5 TIMES AND GET NO RESPONSE BACK FROM THEM! I HAVE SO MANY FRAUD CHARGES AND ITEMS NOT RECIEVED ITS CRAZY! PLEASE HELP THANK YOU
Consumer complaint received 2018-05-24
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (IN)

On XX/XX/XXXX I logged in to make a purchase on my XXXX XXXX credit card. I had a XXXX balance. I have diligently paid my account on time every month. When logging in a find out they had reduced my credit limit with no notice and for no reason what so ever.
Consumer complaint received 2018-08-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

On XX/XX/XXXX, XXXX, XXXX, and the XXXX of 2018 I received several letters From Portfolio Recovery which, included only a screen shot of bill saying that I owe debt. On XX/XX/2018 a Sworn notarized affidavit of denial was sent to Portfolio Recovery requesting original proof of contract or validation with my signature obligating me to this debt. Since, Portfolio Recovery has continued to attempt collection efforts which is a violation of the Fair Debt Collection Practice Act ( 809 ) ( 1692 ). I have no record of any initial communication that was sent from Portfolio Recovery as they stated.
Consumer complaint received 2019-08-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (NY)

I requested a XXXX  XXXX request for forgiveness of my loan in XX/XX/XXXX. It was not approved until XX/XX/XXXX, in which they are now today, XX/XX/XXXX telling me that they mailed a letter requesting additional information. 
I asked for the history of the loan to verify that I had 3 loans with them. Because to my knowledge, I only had one consolidated loan. The servicer at XXXX stated I have a total of 3 loans 2 with them but one with XXXX from the years of XXXX and XXXX. I requested history to confirm. They stated they did not have anything like that. I asked for the supervisor who in turn gave me as of XX/XX/XXXX, the original balance that they were given was {$5600.00} for one loan and the unsubsidized part B of {$5900.00} was the 2nd loan. Which totals {$11000.00}, which is on my report as well. The loans are the same loans being report 3 times differently on my report. 

I am disputing the validity of the actual amount and the handling of this loan with this company. I would like a thorough review. Because this is harming my chances to obtain housing since I have been displaced without work since my injuries.
Consumer complaint received 2018-04-12
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 — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (MD)

I disputed this item with XXXX on or around XX/XX/XXXX. They gave me an expected date for my results for XX/XX/XXXX. I never received any updated emails, as they said I would. I gave XXXX a call on XX/XX/XXXX asking for the results of my dispute for XXXX/WAL-MART. The young lady I spoke with, stated they have been sending me emails of updates, but I have not received one email from them. She told me that Walmart has last reported this account on XX/XX/XXXX and it will not be removed until XX/XX/XXXX. She stated if I wanted this account removed, I would have to get in contact with Walmart. I called Walmart and spoke with XXXX, who told me that account was closed on their end and he doesn't know why XXXX can not delete this account. He said there is nothing else he can do about it and it is out of his hands. I have not used this account since XXXX, and it was closed XX/XX/XXXX. I don't understand why XXXX lied about emailing me updates. Also, why is XXXX saying the company is reporting the account, when the company said they are not.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX am writing to dispute a concerning issue regarding the personal & financial privacy notices and opt-out annually statements provided by 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 as a data furnisher to TransUnion. It has come to my attention that 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  may be in violation of regulations requiring financial institutions to provide privacy of consumer financial information policy notices in writing to customers both initially and annually, as mandated by federal laws and regulations. 


As a customer of 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 I have not received the required CONSUMER FINANCIAL PRIVACY POLICY NOTICE and opt-out annually statements in writing as per federal laws and regulations. The failure to provide such notices and statements not only raises serious concerns about the protection of my personal financial information but also indicates non-compliance with important consumer protection regulations. 

I demand that 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  promptly rectify this issue by providing me with the required privacy notices and opt-out statements in accordance with federal laws and regulations. Additionally, I request that 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 conduct a thorough review of its privacy notice dissemination practices to ensure compliance with all relevant regulations moving forward. 

Failure to address this dispute and rectify the issue in a timely manner will leave me with no choice but to escalate this matter further, including filing a complaint with the appropriate regulatory authorities and seeking legal recourse if necessary. 


I trust that 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  will take this matter seriously and take immediate action to ensure compliance with privacy notice requirements and protect the privacy of its customers ' financial information.
Consumer complaint received 2022-10-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK (FL)

I have a loan on my credit report and one that they keep trying to charge me for when I paid off all my loans in XXXX of XXXX When I took these I asked them if these are all the loans on mine and my co-signers account and they confirmed it was. Now currently they are saying I have one loan still on my account. But it doesnt appear on my co-signers account and at the time I was an unemployed college student with a low credit I would have never been approved for a XXXX dollar loan with out the co-signer. They keep harassing me and my co-signer. We refinance all the loans in XXXX of XXXX back when interest rates were low. But now with them high its just unacceptable. Ive tried to resolve this with the company but they are hostile and hard to work with
Consumer complaint received 2018-11-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (TX)

I have tried to resolve debit with XXXX XXXX XXXX, XXXX by requesting information to prove debit. 

1st issue, I requested Singed contract. No less than 4 times, none returned except just billing statements.

2nd Issue is there stalling has cause harm to my credit file, thus I suggested an offer compromise, I was willing to pay the bill to remove it from my credit just to get rid of the problem. Inlue of a more escalated approach. 

The problem from my point is if I pay then I admit this was my billing, they said they dont remove paid contracts. I did not acknowledge the billing was mine. To pay it would not resolve the issue at hand. They said no and they dont remove paid bills.
Consumer complaint received 2019-08-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On or about XX/XX/2019 I applied for a home equity line of credit with Bank of America because I have been a long time customer of Bank of America. 

My application was assigned to XXXX XXXX XXXX, Home Service Specialist III, NMLS ID XXXX. 

Over the course of the next 8 days, I supplied all of the documents requested by Mr. XXXX. 

On or about XX/XX/XXXX, I received a phone call from Mr. XXXX with approval for an offer for a line of credit. The offer was contingent upon my using a portion of the credit line to pay off certain student loans. I declined the offer. 

On or about XX/XX/XXXX, I received an adverse action letter from Mr. XXXX at Bank of America, indicating that my application was not approved. This is factually incorrect, as I was offered a line of credit by Mr. XXXX on the XX/XX/XXXX call, but I declined the offer because it was not competitive. 

I immediately contacted Mr. XXXX to request a corrected letter be sent, correctly indicating that the offer from Bank of America was declined by me. 

Because the statements in the Adverse Action Letter were  factually incorrect statements about Bank of America 's ability to offer the loan, these statements amount to a deceptive trade practice appropriately handled by the FTC.
Consumer complaint received 2021-12-06
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: EQUIFAX, INC. (TX)

XXXX account # XXXX {$12000.00} the creditor said they would not report any negative payment to the bureaus for 6 months because I called prior to advise them my income had changed significantly due to covid. I  even asked the representative if there was anything I needed to sign and she said no that she would enter all information into the system. 


When Federal Law Prohibits Negative Credit Reporting The CARES Act, which President Trump signed into law on XX/XX/2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances.

Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report.
Consumer complaint received 2018-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have been a victim of identity theft. I took the proper steps and filed with the FTC, a police report, and sent a letter to the reporting agencies detailing the items which were not mine and requested a block with the following items enclosed : police report, FTC report, copy of drivers license and SS Card, credit report with items highlighted. 

The agency reported they denied my block but did not specify which of the three reasons applied to their denial. The items were initially removed but the credit reporting agency is reinserting as " their investigation '' which was well over 30 days are beginning to be reinserted. The reporting agency is violating the law by saying the creditor says i owe the amount, although as an identity theft victim they can not rely on creditor reporting to determine i am liable for a debt. I will refile on XX/XX/18 with full police report now that it's available. 

Dates : Noticed identity theft around XX/XX/18 by a collection letter. 
Filed identity theft with FTC on XX/XX/18. 
Placed fraud alert on XX/XX/18. 
Filed police report on XX/XX/18. 
Filed certified with credit bureaus on XX/XX/18 with return receipts. 
Filed updated FTC report with credit bureaus on XX/XX/18 with new information on credit report.