davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Works & Lentz of Tulsa, Inc. (OK)

Over a year ago XXXX and XXXX sent a letter alleging a debt to XXXX XXXX XXXX. I disputed the debt within 30 days and eventually received a letter stating they had sent it back to the original creditor. All medical debts with XXXX XXXX has been resolved. There is no debt to collect. Despite this I received a voicemail yesterday from this company. A man named " XXXX XXXX " left a message to call him back. He did not identify who he was working for or why he was calling. Apparently XXXX and XXXX thinks people are too stupid to see the caller ID and look the name up. XXXX and XXXX is a debt collector with a history of deceptive and abusive practices. Their intention is to create the appearance of a legal threat. This is a clear continuation of their deceptive strategy. They are to stop all communication with me immediately.
Consumer complaint received 2018-04-08
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: Experian Information Solutions Inc. (IL)

I have filed a complaint with CFPB and I believe it has been forwarded to Experian. I dont really wish to litigate this matter even though there are numerous precedents such as XXXX XXXX XXXX ( Experian ), XXXX v XXXX and XXXX XXXX, XXXX that suggest the courts would find in my favor. All I want is for the items listed in my dispute to be removed from my credit report because Experian has not met the requirements of a reasonable investigation nor been able to provide me with the documentation I have requested. 
I would very much appreciate any assistance you might be able to provide in resolving this matter. 

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file opened fraudulently. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled.
Consumer complaint received 2019-04-11
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 30 days past due on XXXX partial account number XXXX. ( Please see page 10 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2018-04-08
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: EQUIFAX, INC. (TX)

On XX/XX/XXXX, after viewing my credit reports, I contacted all 3 credit bureaus to inform them there was fraudulent activity on my credit report ( addresses and inquiries ). I mailed and faxed copies of my ID, social security card, FTC Affidavit and a letter asking them to remove the fraudulent information. I clearly stated that I was a victim of identity theft. 

On XX/XX/XXXX, XXXX XXXX XXXX XXXX reported a collection account to my credit matching one of the addresses previously reported on the FTC Affidavit. 

I contacted each bureau to inform them of the fraudulent account and sent an updated copy of the FTC Affidavit including the account with XXXX XXXX XXXX XXXX. 

As of XX/XX/XXXX, XXXX XXXX XXXX XXXX reports as a valid collection. It does not show it being in dispute nor was it blocked pursuant to 15 U.S. Code 1681c-2. 

So far, the credit bureaus have violated the following : 1. 15 U.S. Code 1681c1 ( A ) and ( B ) and, 2. 15 U.S. Code 1681c-2
Consumer complaint received 2023-07-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: W&A Intermediate Co., LLC (AZ)

Most recently, this company has sent a letter to my mothers house stating that I owe money to a place called XXXX XXXX XXXX, XXXX, which I have never heard of before, but I owe {$1500.00}. I have not lived at my mother 's house in over 5 years and she should not be receiving any of my mail. This company called me : XX/XX/XXXX at XXXX XXXX  XX/XX/XXXX at XXXX XXXX  XX/XX/XXXX at XXXX XXXX  XX/XX/XXXX at XXXX XXXX  XX/XX/XXXX at XXXX XXXX  Each time they have called, my phone has blocked the number for potential spam and I have not answered any of their phone calls.
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

This is my fourth time asking for an investigation of a PORTFOLIO RECOVERY ASSOCIATES Collections ( XXXX ) reporting on my credit report. I asked in each of the four letters who verified this information and could they provide me with an original contract with my signature. I also contacted Portfolio Recovery Associates with several letters for proof of verfication and an original document with my signature and they also couldnt provide me with anything. After my second letter XXXX deleted the account because they could not verify or provide me with proof. XXXX, and XXXX have refused to delete this information and even though they say the information is verified even though they have not provided me with proof. XXXX even went as far as saying that they will not re-investigate this matter after blatantly lying about their re-investigation. XXXX, and XXXX   always claim they are re-investigating and each outcome on my credit results have either been stated that it is verfired or updated. Im still waiting for proof of verification along with original documentation with my signature. I even went as far as sending in a copy of my XXXX report to show XXXX   and XXXX that this account was deleted.
Consumer complaint received 2019-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC. (NC)

On Friday, XX/XX/2019, my primary checking account reflected a balance of {$1100.00}. Over the weekend I spent money. Some transactions, were items I did not even authorize. XXXX XXXX XXXX XXXX XXXX already made the credit for 4 items today. On Monday, at XXXX my balance was {$690.00} and XXXX XXXX took out XXXX for an order. They were suppose to wait until Tuesday at XXXX. Ive explained to Suntrust, that there was 9 transitions and 9 fees. I begged the branch manager, corporate office and local business banker to assist me. I bring in XXXX a month to this bank and no one would help me. The money that came in, was to order carpet for a Friday installation. I want to continue business with Suntrust but not with a bank that doesnt want to work with me. I would never use my card purposely without funds on it. Now, I could face a backcharge from the customer.
Consumer complaint received 2023-05-30
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. (TX)

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$610.00} XXXX  XXXX Balance : {$4800.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX : {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXXXXXX Balance : {$630.00} XXXX  XXXX Balance : {$4800.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$610.00} XXXX  XXXX XXXX XXXX : {$630.00} XXXX  XXXX Balance : {$4800.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX : {$1200.00} XXXX XXXX Balance XXXX {$180.00} 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 2019-04-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (DC)

Today, XX/XX/XXXX, I initiated the process to get an income based repayment plan for my student loans, which are being serviced by Navient. I first went to studentloans.gov to fill out the information as to which repayment plans I qualify for. I found out through the website, unsurprisingly, that I qualified for the PAYE and REPAYE payment plans since all of my loans are federal student loans acquired through the Departement of Education. I proceeded to download and complete the Income Based Repayment Form ( since for some reason the website could not access my IRS information electronically ) and prepared the documentation I would use to verify my income ( which is my IRS tax return for XX/XX/XXXX). I proceeded to go to Navient 's website to upload this documentation and to start my application for an income based repayment plan. I followed the relevant links and I went to the page where I have to fill the information needed for this application. It had more or less the same questions I filled out in studentloans.gov with the exception that they also ask for my Gross Pay on top of my Adjusted Gross Pay. When I finish filling out the information, I receive a notification that I do not qualify for ANY repayment option. This was very confusing for me since, as I've stated, all my loans are federal loans and studentloans.gov arrived at a completely different conclusion with the same information. 

I proceeded to call Navient at XXXX to find out why they reached they're conclusion. I told the representative about the fact that I was surprised that they said that I didn't qualify for any income repayment plan while studentloans.gov said that I did and that I still uploaded the Income-Based Repayment Plan Application along with my XXXX IRS Tax document. She proceeded to tell me that they actually could not see the information contained in my documentation till 24-48 hours and that they will take 17 business days to process my application. I CANT BELIEVE THAT THEY FIRST TELL EVERYONE THAT THEY DO NOT QUALIFY FOR ANYTHING WHEN THEY ACTUALLY HAVE A WHOLE DIFFERENT PROCESS FOR APPLYING FOR AN INCOME BASED REPAYMENT PLAN. Furthermore, they have unnecessarily long processing times that actually run out the clock on any grace period one has before starting to pay one 's student loans. 

To everyone that counted on having an income based repayment plan when they took out a student loan, you need to first go to studentloans.gov to educate yourself on what your options and rights are. Navient will first lie to you about what you will qualify for without even looking at the information you submitted. They will also stall and delay as much as they can in order to force you to make unnecessarily high payments.
Consumer complaint received 2020-02-06
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: EQUIFAX, INC. (CA)

CRA DID NOT DISCLOSE THEIR METHOD OF VERIFICATION. DID NOT PROVIDE ME A COPY OF MY WET ORIGINAL SIGNATURE OF THE CONTRACT THEY SHOULD HAVE ON FILE TO CONFIRM THE ACCURACY OF THERE REPORT. THEY WILLFULLY REPORTED NEGATIVE HARMFUL WRONG INFORMATION ON MY REPORT WHICH HAS CAUSED ME NOT TO GET THE LOANS FOR HOUSING IM SEEKING FOR BEING XXXX XXXX   XXXX VETERAN.
Consumer complaint received 2019-04-11
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. (AL)

XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX/XXXX  partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2019-04-11
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. (NJ)

XXXX XXXX XXXX fails to recognize that I have liquidated the account. I have made on time payments since the 2014 EVER SINCE THE ACCOUNT WAS LIQUIDATED XXXX is reporting the account negatively even-though the payments are being made on time. 
XXXX failed to correct the credit report and claims that the payment is delinquent for 2 months. 
They are doing this for 2 of my accounts with them. At this point i will sue chase if they don't correct or delete my account. 

Thank you
Consumer complaint received 2019-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION (TX)

I called BBVA after getting confirmation of my refund from LA XXXX who told me it takes 1-3 days to return to the acct and I called my bank BBVA and asked that when I get refunded can they refund me the XXXX over draft fee and he stated No.! Bad customer service and I would not recommend this place to any body who wanted a Great Customer service bank!! I work in financial services with credit unions and we truly appreciate our members and I recommend them to people
Consumer complaint received 2019-04-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

On Tuesday, XX/XX/XXXX, the bank advanced a forced flood payment in the amount of {$1300.00} from my loan balance which increased my principle balance, without my authorization. I went to my local bank to show them I already had an existing Flood Insurance Policy that was renewed since XX/XX/XXXX. The local bank manager informed me she faxed a copy of the policy to the Main Office. On Monday, XX/XX/XXXX, the bank again advanced a forced flood payment in the amount of {$1300.00} from my loan balance which again increased my principle balance, without my authorization. I contacted the bank several times by phone and in person to notify them of my existing policy, to no avail. On Wednesday, XX/XX/XXXX, this bank had the insurance company extract {$1900.00} from my escrow account with my first mortgage company. I called the bank to resolve this issue of paying two separate flood insurances for the same home and was told by the young lady that I was going to pay the insurance as long as I owed them or I had the option to refinance.
Consumer complaint received 2019-04-11
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: Experian Information Solutions Inc. (AL)

Experian and XXXX are reporting incorrectly that I am 30 days past due on XXXX   partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I attempted over 3 days to access my TransUnion Credit Bureau account. Attempting to log in, I received the same message that my account was suspended. 3 times I talked to a representative. No solution. I spoke to a supervisor, who recommended he delete my account and start over, he assured me my data would not be lost. I attempted to access my account, and was able to get in, no data, not even an account number or date of origin of service. He suggested I wait over night. Account suspended. Again, They deleted my account and I was told to create a new account. I waited overnight per their suggestion. I was able to log in, but again, no data, nothing but my name, no account number. I called and texted with reps, they said they would refer the matter on.One rep said I filed a dispute with them, which is absurd, because I have been unable to access my account. I attempted to access my credit report on XXXX XXXX XXXX. It said I had already received my credit report, which I have not.I can't get any information in my account, not even my TransUnion account number. I just want TransUnion to acknowledge the glitch, fix it, and provide my credit report, and make possible to access my account online, so I can perform disputes, etc
Consumer complaint received 2019-04-11
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (VA)

i went to zales store to purchase a ring, the store didnt have the specific ring in the store, but i was told the could get it but i will take couple of months, i didnt have to pay the entire cost of the ring untill i pick it up, so i paid half, then the store cleck convinced me to open a store card with a 18months interest free promotional. which i did only because she told me the promotion and the final charges will not begin until i pick the ring up from the store. i pick the ring up 3 months later. to my supprise 15months from the date of pick up i was charged full interest for not completely paying of the balance. now they want me to pay over XXXX dollars in interest extra when the original balance on the card was XXXX dollars. this store clerks are missleading customers. and now i have late payments on my credit accounts and this affecting my credit history. the specific zales store no longer exist other stores are not able to give me information pertaining to my purchases. i have tried to contack the bank to file dispute, but they are declining my dispute. i contacted the XXXX legal service for military, tthey recomended i file a complaint with the consumer finance before they can move futher if need to.
Consumer complaint received 2023-08-18
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. (WI)

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; Child Support Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; Child Support Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX
Consumer complaint received 2019-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

File Number # XXXX I am filing a complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify the accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible.

Thank you
Consumer complaint received 2020-01-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (FL)

I would like to file a complaint against Midland credit management. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX I offered a settlement and the agent refused my offer on the spot. I repeatedly asked for her to submit it to her manager and she denied me that. After several minutes of my requests for her to do so, She then said that she was in fact the manager. She said her name was XXXX XXXX she didn't give me her employee ID just her extension. XXXX XXXX XXXX ext XXXX I believe that her statements are fraudulent and would like to request a investigation. 

Thank you, XXXX XXXX