davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc (SC)

Company has failed to comply and stop collection on account. I have advised the Debt Collector that the account was not mind and they are trying to collect on an account that is not even my name but attached to my credit report. I have disputed this account multiple times and they have failed to even attempt to remove even when clearly the account isnt mine because it doesn't even have my name attached. I WANT THIS REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Consumer complaint received 2019-05-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

Fifth Third Bank ( XXXX ) has been repeatedly and persistently calling our house phone regarding my spouse 's credit card overdue balance 7 days a week right after XXXX for 5-6 times including SUNDAY. When I answered the phone they don't tell me who they are. 

About 4 Sundays ago, I asked them not to call on Sundays ( I think her name was XXXX ) because it is not a good day for them to call. This organization ignored my request and still calls on our house phone everyday INCLUDING Sundays. 

On XX/XX/XXXX, a Fifth Third Bank representative called on our house phone again so I told her that I am willing to pay on my spouse 's behalf but they refused to accept my offer. 
On XX/XX/XXXX at XXXX, a representative from this bank called again. I told her not to call. At XXXX, another Fifth Third Bank representative called the house. Didn't they get a message? I told them AGAIN not to call on Sundays. They are disrespecting this household and interrupting my quiet Sunday  morning.
Consumer complaint received 2019-05-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (FL)

Have been making payments on my loan each month timely and making extra payments that have not been put on the principal of the loan have reached out to the company nelnet multiple time and haven't gotten a answer to what my payments are not being applied correctly. My interest rate is 5.5 percent on loan and when I spoke to them on XX/XX/XXXX again when I received my last statement in mail they took XXXX dollars of my payment and put on intrest and only put XXXX on my principal and when I explained that this makes no sense they didn't have a explanations for me. Also last year they took XXXX and put on intrest, but they said my interest only adds up to about XXXX a day so when I told the young lady I was speaking with to add it up with me that only adds to about XXXX a year so how can they legally take 4 time that for intrest.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : XXXX Account No. : Ending in XXXX XXXX XXXX XXXX XXXX. Account No. : XXXX
Consumer complaint received 2022-07-10
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. (AE)

RE : XXXX - TransUnion is in clear violation of the law and my right to privacy as defined under the FCRA. I demand a reinvestigation into the methods used to verify the completeness and accuracy of the information presented on my credit profile. I repeat I WANT THE METHOD OF VERIFICATION USED TO VERIFY THE COMPLETENESS AND ACCURACY OF INFORMATION ON MY CREDIT REPORT. Furthermore, pursuant to 15 U.S. Code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I never gave written instructions to TransUnion to furnish data on my credit profile regardless of the findings of the initial investigation. It has taken more than 30 days for the initial investigations. I demand the items I requested be removed from my credit file. XXXX XXXX - XXXX XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX. CFPB this will be their final notice.
Consumer complaint received 2022-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2018-08-20
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)

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please Delete 2. XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please Delete 3. XXXX XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please Delete 4. XXXX Funds - this account doesn't belong to me. 
Action Requested : Please Delete
Consumer complaint received 2018-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Summit Financial Corp. (AL)

I have been disputing this debt on my credit report because Summit FinanciaXXXX and XXXX XXXX XXXX XXXX, and XXXX XXXX, which I have submitted court documents and pictures, have reported the incorrect information to the Credit Bureaus. Under the FCRA, it states that if any of the consumer 's information in not 100 % accurate, then by law the credit bureaus are under obligation to investigate it and remove that item ( s ) from that consumer credit file. I have disputed this for over 3 years, with no success. I have submitted documentation to the credit bureaus from the creditors stating my position and they still will not remove these items from my credit file. On XX/XX/XXXX, I sent in documentation, then again on XX/XX/XXXX. I have just recently sent more documentation in around XX/XX/XXXX. The only results I am getting is the items are being updated on my credit file. I have received correspondence from the creditors saying that they have no identifiable information in their system on me. I have even called the creditors and was not able to speak anyone and I also left messages, but received no return calls.
Consumer complaint received 2018-09-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (MN)

On XX/XX/2018 I wired {$300.00} through Western Union online to pay a bill from one of my bank accounts to another. I paid a {$.00} fee for a 6 business day delivery. I called 7 business days later. First I was told that the money went through and is with my bank so contact them. I did contact them the same day and my bank told me that was false. Someone from WU said they would call the bank and straighten it out but I never heard back. I called several times since then and then was told a refund was issued with no reason why. I was then told that it can take up to 7 business days for the return. I have emailed and called since with no help and a lot of transfers and hang ups. I wait a long while to speak with people only to be transferred without help. I email the customer service desk with more promises about an investigation on this case, and I will hear back but have not for days. They did finally verify that i indeed do not have the money, but refuse to give me my money back and wont give me any answers. I did make a XXXX cell payment from the bank account that I was told the money was being returned to but since it never was I was over drafted with a {$30.00} fee attached.
Consumer complaint received 2018-09-05
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION (NC)

On XX/XX/XXXX, I learned that my ex-wife has a Navy Federal Credit account and car loan. I called Navy Federal several days to figure out how she had an account, because in order to have an account, you have to have a sponsor in the Military with their social security card number, account number, rank, and full name. During the phone call with Navy Federal, the first person told me that my ex-wife opened the account in XX/XX/XXXX. Please note, the ex and I were legally separated XX/XX/XXXX. The second person I talked to, after an hour on the phone, took me off as the ex 's sponsor, but declared that the ex using my information " was not fraud. '' XX/XX/XXXX, Navy Federal responded with a very blanket response stating it was " Not fraud '' once again. They did not respond with how my Ex opened the account using me as a sponsor, what information she gave them, or what they plan to do to fix this problem.
Consumer complaint received 2018-09-05
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. (WI)

In XX/XX/2018, My credit score reported to XXXX XXXX by TransUnion was XXXX. During the month of XXXX, we sold a house which closed a mortgage, HELOC and paid off a vehicle. My credit score took a dive to XXXX in XXXX because we CLOSED 3 accounts. I contacted XXXX to discuss this, and they told me to contact a credit consultant to get my credit rating back up - I DON'T NEED a credit consultant to take out more credit - I need my credit score back to where it was prior to closing out my accounts. The fact that my credit score would fall 37 points because I paid off and closed accounts in which I owed over {$120000.00} is insane. No one will update my credit score.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have fraudulent accounts and Inquiries on my credit report. 

inquiries 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
Consumer complaint received 2022-07-10
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX 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 a account without my written instructions
Consumer complaint received 2018-09-05
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: JPMORGAN CHASE & CO. (PA)

There is a business credit card with Chase ( it was a XXXX, then Chase converted it to a XXXX despite the company 's objections ). Several times a few years ago, Chase confirmed via its Secure Message Center that I am not personally liable for this account. Despite that, they are reporting negative information about that business account on my personal credit report. I've told Chase about this, but they will not have this information removed from my account. They should have a record of the messages ( I think they were from XX/XX/2015 ) in their file, so there is no reason why they should make these mistakes. It's dropped my credit score from well over 800 to being in the 600 's.
Consumer complaint received 2018-09-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I visited a Bank of America Financial Center at XXXX XXXX XXXX, in XXXX, CA in order to obtain a cashier 's check in the amount of {$540.00}. I have a primary checking account that I use for day-to-day transactions, and a secondary account which I only use to receive rents from rental properties and pay mortgages on those properties. The teller failed to ask me which account to withdraw the funds from, and incorrectly withdrew the funds from my secondary account. She even filled out the withdrawal slip and put the wrong account number on it ( I have a copy and it shows her handwriting ). I signed the slip, not spotting her error ( the account numbers are only one digit apart ). I later discovered that the funds were taken from the wrong account, and this caused the secondary account to be overdrawn as it occurred right as my scheduled mortgage payments were going out. 

Bank of America then proceeded to charge me two {$35.00} overdraft fees because of the teller 's mistake. When I called their customer service department on XX/XX/XXXX, they at first refused to refund the fees and refused to acknowledge their error, and after an hour of phone wrangling, I finally connected with a manager named XXXX located in the XXXX. XXXX Deposits center ( XXXX XXXX ) who was completely unhelpful and blew me off. He stated that because I had signed the slip incorrectly filled out by the teller, it was my fault and therefore they would refund one of the fees for {$35.00} as a 'courtesy ' but not the other {$35.00} fee. I asked him to contact the bank to verify that the teller had mishandled the transaction and he refused. 

On the withdrawal slip I've attached, you can see the teller 's handwriting ( she filled out the entire slip ), which is clearly different from my signature ( the only part I filled out ). 

I should not be charged any fees whatsoever due to the error committed by the bank 's own employee.
Consumer complaint received 2018-09-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Evergreen Financial Services Inc. (WA)

My father signed the document that he would pay for my braces. He was unable to do so and this debt was passed to XXXX XXXX. Instead of contacting my father to collect the debt they have contacted me. 
I have informed them on multiple occasions to contact my father however they have made no attempt to do so and have continued to call me at work and other inappropriate times. 
I also find it suspicious that they have not attempted to contact my father. He informed me that he filed for bankruptcy not too long ago. That bankruptcy would discharge the debt. I suspect that they are attempting to illegally collect the debt from me since I may not have knowledge of the bankruptcy. 
When I informed them of this information and requested they stop attempting to contact me, they put me on hold for 10 minutes while I was at work.
Consumer complaint received 2018-08-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (MS)

For several months my monthly payment for my private loans were automatically debited from my bank account. I started to receive bills from a collection agency stating my loans with XXXX XXXX  were sold to their company. Since my loans were not in default, they shouldn't have been sold to a collection agency. I have bank statements proving this. Now the collection agency is expecting payments they shouldn't receive. I contacted XXXX XXXX  and nothing was done about it.
Consumer complaint received 2019-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (CA)

( XX/XX/XXXX creditor name XXXX XXXX individual account XXXX $ Owed Stating that the account has been overdue by 120 days and is writing a charge off the account for taxes purposes XX/XX/XXXX opening date limit XXXX $ monthly payment XXXX $ ) this is all the information I gathered from my derogatory mark on my credit report affecting my credit score because of a this fake account or this whole report I am completely unfamiliar with me ( XXXX XXXX ) this information on my Credit report is false and it doesnt match my records
Consumer complaint received 2019-05-05
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 — Was not notified of investigation status or results
Company: Manhattan Beach Venture, LLC (TX)

I did not receive notification of student loans garnishment because lender did not have my updated address. When I finally received notification it was too late they had already decided to garnish my pay and back tax withholding because of no response from me.
Consumer complaint received 2018-09-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: PRESTIGE FINANCIAL SERVICES INC (IL)

I purchased a XXXX XXXX in XX/XX/XXXX and paid on it until till XX/XX/XXXX. I ran into financial trouble and voluntarily let the car go back. the loan company prestige financial has sent me a summons for the amount of {$17000.00} dollars when I bought it for XXXX. It was repo in XX/XX/XXXX and sold to auction and the acct closed and charged off since XX/XX/XXXX. They are reporting this to XXXX late and failed to pay when I don't have this car, XXXX and XXXX has removed this charged off debt, They cant charge me or continue to report on my credit for something that was sold to auction, XXXX XXXX from prestige and XXXX XXXX have harassed my jobs and family. I cant afford a lawyer for harassment therefore I am sending complaint. This needs to be removed asap.
Consumer complaint received 2018-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP (NC)

Police case number XXXX Officer cop XXXX I was a victim my debit card was stolen, I reviced calls from this officer asking did I know the people that used my debit card on certain dates and I explain to him that I was there on military reason didnt know anybody there. I paid for an police report they sent my money back because my actual name wasnt on it but it was my account.
Consumer complaint received 2019-05-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

MyschoolloanwasthroughSallieMae.ThenIwasinwhatIthoughtwasaloanforgivenessprogram.NowsomeoneelsehasmyloanandSallieMaewillnottalkwithme.Thenewagencyhasattachedmywagesandkeepsmyincometaxreturn.IneverreceiveanythingsayingmyloanisgoingdownorhowmuchIstillowe.Ishouldofcompletedtheloanforgivenessbynow.Igraduatedin2001andworkforanonprofitwithchildrenwithXXXX.HowdoIgetthisloanforgivenandstopwageattachment?MyoriginalloanwasXXXX.Eachtimeitchangehandsitdoubled.WentoverXXXX.
Consumer complaint received 2018-09-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (CA)

I had no notification that this debt was in collection. I got no communication from this company. No phone calls messages or letters in the mail. My rights to dispute were violated and this went straight to my credit report. I am 100 % disputing this debt.
Consumer complaint received 2018-09-05
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (UT)

Dept of Ed/ Nelnet XXXX amount due {$1800.00} is reporting XXXX days past due. This is incorrect as I am currently attending XXXX XXXX XXXX XXXX. 

Dept of Ed/Nelnet : amount due {$1000.00} is reporting XXXX days past due. This is incorrect as I am currently attending XXXX XXXX XXXX XXXX. 

Dept of Ed/Nelnet : amount due {$1500.00} is reporting XXXX days past due. This is incorrect as I am currently attending XXXX XXXX XXXX XXXX. 

The wrong address was on file. I have not lived there for over 6 years. The wrong phone number was also on file. I have updated all account information so that I receive proper notifications. I am currently on a repayment plan and my next due date is not until XX/XX/2018. I do not have any past due fees reporting on my Nelnet account.
Consumer complaint received 2018-09-05
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

This company keeps calling me with a recording stating that they need to talk to someone else ( a name I dont know ) and they need to call immediately. I finally call them after being contacted numerous times in 1 day. They then tell me they are calling for me, they provide my first and last name. They then send me to my account manager, who then also tells me my name and ask if my date of birth is xx/xx/xxxx and the last 4 of my social is xxxx. I stated yes, keep in mind she provided me with all this information, never ASKED me to give her my date of birth or last 4 of my social. She then proceeds to tell me they are calling about a debt linked to social security number xxx-xx-xxxx, providing my WHOLE social security number. This is a huge issue and the reason why there is so much identity theft! She could have been speaking to ANYONE as I never gave her any information it was simply provided to me.
Consumer complaint received 2022-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting Act. 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, Has violated my rights. 
15 U.S.C 1681 section 602A 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 consent.