davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TN)

This has been an on going battle since XX/XX/2008. My compliant starts when this company ( at the time was Sallie Mae ) told me that there was nothing that they could do to help. I was laid off, and with my unemployment checks I paid my student loans and kept them current until my last check I called and was told there was nothing. I paid {$200.00} at least 4 times for a forbearance which didn't go to my loan, just lined the companies pockets. As I struggled to make my payments I would pay as much as I could month. I got a letter saying I have not paid anything so I called and asked about this. I was told the money was going into a " piggy bank '' until a full amount was reached to pay the monthly amount. That's not right. So while I was making payments they were not being applied to anything and hurting my credit and making my bill larger with penalties and late charges. After years of this going on my bill has gotten out of control that I'll never be able to get out of. I've talked to several lawyers to file for bankruptcy with no help. I got my wages garnished by some collection company that I called and we worked out a XXXX dollar payment a month which I did and did successfully so last year I filled another IBR and I got a letter saying my payments are going up {$760.00}. There's no way I'll be able to make that payment a month and this is just getting ridiculous. My school shut down, I never got a job for what I went for and student loan forgiveness doesn't help me and it's all because of this company completely ruining my life.
Consumer complaint received 2024-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A. (CA)

Our mortgage was bought by PNC. Previous mortgage servicer was XXXX XXXX XXXX. Insurance for property is with XXXX and policy was renewed in XX/XX/XXXX. PNC bought out the mortgage XX/XX/XXXX and now is XX/XX/XXXX claiming we do not have insurance.
Consumer complaint received 2020-11-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Card Receivables Fund Incorporated (IL)

4 credit card accounts opened in XXXX under my name. Had been sold to 4 debt collection agency since. The following account are : XXXX. UNIFUND XXXX {$2300.00} / Original Creditor : XXXX XXXX XXXX XXXX XXXX ( Acct # XXXX ) 2. UNIFUND CCR {$4300.00} / Original Creditor : XXXX ( Acct. Last Four # XXXX ) 3. XXXX XXXX XXXX, XXXX {$2800.00} / Original Creditor : XXXX XXXX XXXX ( Acct. Last Four # XXXX ) 4. XXXX XXXX XXXX XXXX {$4100.00} / Original Creditor : XXXX ( Acct. Last Four # XXXX ) My personal data was stolen and I am now being sued. These are not my accounts and I have called the credit bureau but have done nothing but put my account in fraud alert in XX/XX/XXXX. I can provide my credit information to prove my character as I have paid everything on time in the past. These account were all opened at the same time. I have called the creditors and they have not done anything to help me resolve these issues. No receipts or records were provided. When these occurred, I have just graduated school and could not afford the settlement they were asking and these were fraudulent. I am now being harrased by these debt collectors after years of not hearing about it. I've done all in my power to dispute these charges and I need help. I have filed a police report. Thank you!
Consumer complaint received 2015-12-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Unique Management Services, Inc (CA)

This item is being reported to all XXXX Credit Bureaus and I never had any type of account with XXXX XXXX Library yet Unique National Collections continue to attempt to collect the debt.
Consumer complaint received 2020-11-08
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

RE : UNAUTHORIZED CHARGES TO MY ACCOUNT Five unauthorized charges were made to this BofA account, totaling {$240.00}, from XX/XX/2020 through XX/XX/2020. ( I have not used this account for any purchases, only transfers, to date. ) I immediately attempted to contact Bank of America by phone regarding these thefts, and have been unable to reach their Claims Department by phone after numerous calls, at all hours of the day, and with extremely long 'waits ' after which I was repeatedly disconnected. - I then contacted them by email, at XXXX, and was told they can not help me via email and directed me to call XXXX. I have not been able to get through to them at that number either, nor at any other number I've found online. 

I want this stolen money to be restored to my account. Please advise.
Consumer complaint received 2018-06-19
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. (NC)

I have over 23 inquiries on my account that I did not authorized nor do they belong to me. I have contacted this company over 10 times as well as sent a fax for removal and they have failed to do so.
Consumer complaint received 2018-04-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (FL)

In XXXX 2017 I went to the emergency room and provided my health insurance information to cover any charges due. I had XXXX XXXXXXXX at the time and assumed the costs were covered. XXXX XXXXXXXX denied my coverage initially, as they had done with thousands of other claims throughout the state, citing that they were backed up and unable to process the payments in time for each claim. The hospital placed the debt for collection with Transworld Systems with an internal account number of XXXX. Transworld reported the unpaid balance to various consumer credit reporting agencies, such as XXXX, stating that I owed the debt and the delay in payment was attributable to me, personally. 

Roughly 6 months later, XXXX XXXXXXXX paid the claim and the balance was updated to reflect a {$0.00} balance owed. However, Transworld did not request deletion of its tradeline, even though any delinquency was directly and only caused by XXXX XXXXXXXX, not by myself, and it was not something reasonably within my power to change. 

I have disputed the information as inaccurate to XXXX and XXXX, and explained I was covered under XXXX XXXXXXXX at the time, and any delay in payment was the result of errors or omissions by XXXX XXXXXXXX, but Transworld verified its reported information as accurate and told the credit agencies to continue to report the debt as one in which I was personally liable. The fact it  reports paid does nothing for me, since the very presence of the collection tradeline harms my score. In situations where payment problems are the result of insurance delays, my understanding is most debt collection companies will request deletion. 

Since this was not my fault, it is not fair that my personal credit scores are being harmed.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Complaint Against XXXX and TransUnion for Unauthorized Reporting of Bankruptcy Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX and TransUnion violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, my complaint is regarding the unauthorized reporting of bankruptcy on my consumer credit report and/or credit file, which I did not consent to nor was I properly notified about. 

Violation Details : It came to my attention that both XXXX and TransUnion have listed a bankruptcy on my consumer credit reports. This information is not only wrongful but was also reported without my explicit consent or prior notification. This action has significantly and negatively affected my credit score, making it difficult for me to obtain credit, and it has caused me undue stress and financial hardship. 

Previous Attempts to Resolve : I have previously attempted to resolve this matter directly with XXXX and TransUnion, but to no avail the issue was not resolved Despite my efforts, the issue remains unresolved, and this information is still present on my credit reports. 

Requested Resolution : I respectfully request the CFPB to intervene and facilitate the removal of the bankruptcy information from my credit reports maintained by XXXX and TransUnion. Additionally, I seek assurance that such errors will not recur in the future and request to be informed of the steps taken by these credit reporting agencies to correct this issue. 

I trust that the CFPB will take my complaint seriously and assist me in rectifying this situation as swiftly as possible. I look forward to your response and am hopeful for a favorable resolution. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-11-08
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. (CT)

I am an identity theft victim from the XXXX XXXX  XXXX Breech. I filed a complaint against Experian Credit with your company in XXXX for twice adding fraud alerts to my credit report without my permission and no fraud taking place. They have twice taken my ex husband XXXX XXXX XXXX XXXX bill and added it to my credit so they could illigally add fraud alerts to prevent me from buying a car. They are obsessed with my financials which is non of their business and have done everything to prevent me from getting credit. They have stated I changed my phone number which is not true. Experian has kept nearly 15 phone numbers, fraudulent addresses and credit files on my report knowing that it is fraud. Experian partnered with XXXX XXXX ( XXXX XXXX  ) to bully me so I cant pay my bills and lock me out of the system from ordering merchandise. They have left fraudulent car loans on my report after they were removed, refuse to send me statements and continue to do everything to prevent me from reporting positive. My credit was XXXX before Experian placed the first illegal fraud alert back in XX/XX/XXXX. It is XX/XX/XXXX and I am battling the third illegal fraud alert they added because they feel they can and do not care how it impacts me from buying a car which is not their business. I pay my rent, my bills and again my finances are not their concern. I got a secure credit card which is why they are doing everything to harm me and my credit. I want the illegal fraud alerts, addresses and phone numbers removed from my reports. They are the only credit bureau to continue harassing me.
Consumer complaint received 2016-09-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Systems International, Inc. (CA)

I already paid this debt on XXXX/XXXX/16 directly through the creditor 's website and they continue to report it to my credit as unpaid. I have proof that it was paid and I have tried calling the credit collector numerous times but the number they list on their bill always sounds " busy ''.
Consumer complaint received 2018-04-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: National Enterprise Systems, Inc. (CA)

After filing a complaint against National Enterprise Systems ( NES ). I proceeded to call the us department of education on the suggestion of XXXX XXXX, XXXX and NES. The us department of education agreed that the loans in question don't match my information other than the Social security number. I explained that i had ID fraud twice in the past 20 years. 
All my loans for my education have been accounted for with the US Department of Education for the years i went to school. XXXX XXXX College, XXXX ( XXXX ) & XXXX ( XXXX ). The school, the name, the year and the address do not match y name or address for those years. The loan for XXXX is under XXXX. I didn't meet XXXX until XXXX and we married in XXXX how could i have his last name in XXXX. My address in XXXX was : XXXX XXXX XXXX XXXX XXXX, Ca XXXX I called NES back to share the information and then the lady began to lie and twist things around. so now the story at NES has changed again. Then she began harrassing me and trying to force me to say that i am voluntarily double paying on this loan. I am not, they are forcing me and they are taking more than the contract agreement. 
They have deceived me twice.
Consumer complaint received 2020-11-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc. (PA)

EOS CCA Reported balance {$1100.00} There is a fraud alert on my account going back over 5 years. I have no business with this company. 
Remove immediately. I have a fraud alert on my account for time time. This debt was removed once and sold to another collection agency. I have never had any business with this company. I have never lived at address they provide. I will pursue legal damages if not removed within 15 days.
Consumer complaint received 2019-06-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Mid-Atlantic Finance Co., Inc. (FL)

I dont remember exact dates they have all the dates as they keep calling with dates. My car was totaled in an accident I had gap insurance. The insurance company contacted the leasing company they told them the amount due. They sent them a check for more than the amount owed. The finance company in turn sent me a check for the over payment. The finance company now continued to call and harass me that I owe them {$140.00} when they paid me out. Ive called them numerous times to stop harassing me and to close the account since the insurance company paid them what they said was due and they even sent me a check for the over payment. The finance company needs to be held accountable for harassing me when they were paid in full. They not only HarrAss me they harass my son who is currently serving in the XXXX with these non stop phone calls.
Consumer complaint received 2023-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the fair credit reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX ACCT # XXXX 15. USC 1681 section 602A states I have the right to privacy.

15. USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15. USC 1681c ( a ) ( 5 ) -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 information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-11-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

4 credit card accounts opened in XXXX under my name. Had been sold to 4 debt collection agency since. The following account are : 1. XXXX XXXX {$2300.00} / Original Creditor : XXXX XXXX XXXX XXXX XXXX ( Acct # XXXX ) 2. XXXX XXXX {$4300.00} / Original Creditor : XXXX ( Acct. Last Four # XXXX ) 3. Portfolio Recovery Associates, LLC {$2800.00} / Original Creditor : XXXX XXXX XXXX ( Acct. Last Four # XXXX ) 4. XXXX XXXX XXXX XXXX {$4100.00} / Original Creditor : XXXX ( Acct. Last Four # XXXX ) My personal data was stolen and I am now being sued. These are not my accounts and I have called the credit bureau but have done nothing but put my account in fraud alert in XX/XX/XXXX. I can provide my credit information to prove my character as I have paid everything on time in the past. These account were all opened at the same time. I have called the creditors and they have not done anything to help me resolve these issues. No receipts or records were provided. When these occurred, I have just graduated school and could not afford the settlement they were asking and these were fraudulent. I am now being harrased by these debt collectors after years of not hearing about it. I've done all in my power to dispute these charges and I need help. I have filed a police report. Thank you!
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-04
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (TX)

received Vanilla gift card for XXXX $ for birthday.Tried to use one time at XXXX but came up '' invailad card '' so I called company on XX/XX/XXXX after unsuccessfully trying to activate online.I was told card was used XXXX minutes before (! } at some " floral shop '' but couldnt tell me what state.I think this occurred when I had tried to activate it online.Customer service said to call back on XX/XX/XXXX to see if the purchase went thru, either way she was putting a hold on the card-it was difficult to understand her XXXX accent -to investigate, I assume.So Im screwed no matter what.Checking online, I see this is common and part of the scam.
Consumer complaint received 2020-11-08
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. (MI)

I have a public record that has been mixed or merged with someone elses report showing up on mine, I even have a fraudelent birth year of 1987 showing up. I have tried to fix it with the burueas on several occasion but they claim they veirifed through XXXX XXXX. I reached out to XXXX XXXX and they have sinced removed it ( I have attached proof ). Next I reached out to the courts of Michigan, They returned a letter saying they dont provide the burueas information ( I have attached proof ). Lastly I filed an FTC complaint against the burueas and I have included this as well.
Consumer complaint received 2022-04-25
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. (FL)

I disputed all accounts that were opened using my information as fraud to all 3 credit bureaus. They advised me to file an FTC fraud report with each account number & submit back to them via fax to have it removed from my credit report.
Consumer complaint received 2019-04-26
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: WELLS FARGO & COMPANY (FL)

Inquires were added to my credit which I did not authorize from multiple companies. The following inquires listed I did not authorize are from XXXX XXXX  XXXX XXXX on XX/XX/XXXX, Wells Fargo Dealer Services on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX XXXX on XX/XX/XXXX.