davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-23
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I filed a Direct Dispute which was submitted to Transunion for investigation. It has been almost two months and Transunion is saying that this is still under investigation. I submitted the dispute to Transunion on XX/XX/XXXX. Today is XX/XX/XXXX. This morning I checked the status details and it is only indicated that the status is Under investigation and that it the investigation should be completed by XX/XX/XXXX. 

The item that I submitted to be disputed is : XXXX XXXX XXXX  XXXX Last reported XX/XX/XXXX {$480.00} Open balance XXXX Original creditor XXXX   OpenedXX/XX/XXXX ( 11 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Original creditor XXXX Report info
Consumer complaint received 2019-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (TX)

I notified American Express and I reported my credit card lost/stolen but I told them there was no fraud activity on that card number ending XXXX ( the new card number ) and the next day I was trying added this card to XXXX XXXX and American Express has blocked my card for fraud in which is false and told me I need to fax in some documents back to them in 15 days ... and I explain to them I dont have any ID or social security card to send them over and I have a police report and they refused to accept that neither nor the supervisor would and i have the police report from XXXX XXXX police department # XXXX and once again they refused to accept it ... I will be closing my account in about a month this is the third American Express has put my account in fraud review
Consumer complaint received 2018-08-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MS)

I've been working with XXXX XXXX XXXX since XX/XX/XXXX requesting a mortgage modification. I've faxed the modification request and financials to the mortgage company. While the modification request is in processing there is a property foreclosure sale date set for XX/XX/XXXX. I don't want to loose my home
Consumer complaint received 2021-07-23
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: Receivables Management Partners, LLC (GA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2019-07-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NJ)

I made a purchase on XXXX / XX/XX/XXXX for {$1500.00} in promotional ( 12 months on interest ) at AMAZON XXXX XXXX CARD ( Synchrony Bank ) On XXXX / XX/XX/XXXX I returned the purchase and was refunded the same amount I paid. At the next bill the value continued. I called the customer service ( XXXX ) and explained the situation, they told me that in the next two bills would not appear anymore. 
I didn't pay attention until this month ( XXXX / XXXX XXXX when I was charged interest ( {$360.00} ) on that purchase. 
I checked the previous bills, and I found the amount ( {$1500.00} ) in all of them, and charged payments. 
In my calculations I paid {$1100.00} including {$360.00} of interest. 
I called again and they said was nothing wrong.
Consumer complaint received 2022-12-01
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. (IN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX Account ) XXXX XXXX  ( Account ) XXXX XXXX XXXX  ( Account ) XXXX XXXX XXXX XXXX ( Account ) XXXX XXXX XXXX ( Account ) XXXX XXXX XXXX XXXX  ( Account ) XXXX XXXX U.S.C 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 an account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items 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 any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S. Code s 1681n section 1 ( A ) ( B ) : any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater
Consumer complaint received 2022-12-15
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (KY)

I received a phone call and when I answered the caller asked to speak with XXXX. I said this is her. The caller then stated that I had a past balance and we could work out a new payment plan. The caller never validated that it was indeed XXXX XXXX by asking for my social, birthday or address until I brought it up to her that she never validated who I was. She stated because she called me she didnt need to. I explained to her that anyone could have my phone and answer it and this was unlawful and then she asked for my address. I then told her I was ending the call. The caller/debt collector also never announced she was a debt collector trying to collect a debt.
Consumer complaint received 2019-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (TX)

XXXX Adult son should have been a trustee. On the account with Alley bank. They put him as co owner and he took everything out of my account and Ally bank takes no responsibility for my son closing the account. Nor take responsibility for notifying me. The say sense account was never fixed from Co owner to just a trustee that its ok for him to take all my money. Then close out my account.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

EQUIFAX and XXXX have some other people information on my account I havent consented to or agree to those accounts and or companies. This needs to be regulated a little more. Ive spent XXXX of dollars on credit repair and monitoring f for identity theft protection. Theyre no good either. Please reference the consumer protection laws/rights that allows them to get away with this.
Consumer complaint received 2023-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2018-06-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc. (CA)

A few weeks ago, I started to receive letters from Credit Corps Solutions XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX claiming that I owe them {$290.00}. According to their correspondence, on XX/XX/XXXX this debt was assigned to them.The original creditor was XXXX XXXX and according to them I had a XXXX that was applied for and immediately a purchase of {$140.00} was charged on it at XXXX on XX/XX/XXXX,  on the same day and at the same time. 
The first week of XXXX, was the first time I ever heard of this situation. Not once did I receive any statements for a XXXX XXXX XXXX charge with XXXX XXXX. Additionally I never received an actual, physical credit XXXX XXXX XXXX. 
On XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX Credit Corps tried to contact me by phone, sometimes several times a day. I did not pick up at first because I thought it was a scam since they used local phone numbers, they also used a different phone number every time they called. 
On XX/XX/XXXX, I received 10 attachments via email : invoices I had never seen before. 
I requested a receipt for what was purchased, which I never received. 
I contacted XXXX XXXX on Friday XX/XX/XXXX in an attempt to clarify the situation.I was referred to XXXX XXXX and was given a XXXX XXXX XXXX XXXX XXXX to send requests to get my so-called application of XX/XX/XXXX. I also contacted Credit Corps today, XX/XX/XXXX in order to clarify the situation, I spoke to XXXX. If this debt were valid, I would have paid it the moment I got the first statement in the mail in the month following the purchase. I just received documents from Credit Corps today including an affidavit of fraud form, since this was recommended by the customer service agent of XXXX XXXX   when I talked to them last Friday. It also includes terms and conditions of said credit card. On these it states '' We will not charge you any interest on purchases if you pay your entire balance by the due date of each month. '' " Each account holder will receive a card. '' Like I stated earlier, I didn't receive any statements at all, nor a card. 
Please note, if I were sent a statement, I would have paid the amount in full, immediately. I am not out of integrity here.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I have had a charge off from XXXX XXXX XXXX XXXX on my Credit report for 7 years at a larger balance than when it was originally written off for. XXXX XXXX XXXX XXXX kept increasing the amount. I have dispute the information starting in XXXX when it was at 7 years to have it removed yet the bureaus have not done anything. They said the information came back accurate. I disputed it on XX/XX/XXXX, XX/XX/XXXX as well but they keep saying it is valid without proving the methods and means at which they found it so. This item is hurting my credit and has been over the duration of time allowed to.
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (PA)

Credit acceptance has been reporting an account from the past as a current account. They are increasing my balance to this date every month for a vehicle I no longer have. The vehicle is at XXXX XXXX in XXXX PA XXXX. There is the phone number to validate this. The shop owner told me I can't have the vehicle because it belongs to credit acceptance. But credit acceptance is not releasing the vehicle to me!! This has been going on for years.. so here I am stuck with no vehicle. That I keep being charged for. This is illegal. If I am being charged I should have the truck!! But I can't get the truck. So which is it here. Give me the truck back if I still have an open account. They can't do both!! This is fraud. They have been found guilty years ago if fraudulent charges. Please help me here. I am also putting a picture of my report to show you my balance is being increased monthly for a vehicle that I don't have anymore that credit acceptance says I have. just call the shop yourself. They will verify all I have said in this letter. These people are crooks. This account should either be closed an placed as a charge off for a repossession or the vehicle should be returned to me immediately.
Consumer complaint received 2019-07-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (WA)

Stated that my XX/XX/XXXX payment was considered late when it wasnt, I made two payments in XX/XX/XXXXwhich would have brought my account current. Incorrect information is being reported to the credit bureaus! I want a full investigation and proof of late payments and I want the correct balance reported.
Consumer complaint received 2019-07-23
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Stated that my XXXX payment was considered late when it wasnt, I made two payments in XXXX which would have brought my account current. Incorrect information is being reported to the credit bureaus! I want a full investigation and proof of late payments and I want the correct balance reported.
Consumer complaint received 2022-12-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (VA)

In XXXX, my federal loans were transferred from XXXX XXXX ( XXXX ) ( Account # XXXX XXXX XXXX ) to MOHELA ( Account # XXXX ). The transfer was not done properly. 

I had been on an XXXX plan with XXXX for years, and when the transfer to MOHELA was processed, I was incorrectly placed into an XXXX plan. 

At XXXX, my monthly payment was supposed to be around $ XXXX ; however, MOHELA says XXXX now owe approximately $ XXXX. 

In XX/XX/XXXX, I reached out to MOHELA to explain that there was an error in transferring over my loan. I was told that MOHELA would look into it and update my account. On XX/XX/XXXX, MOHELA denied my request and I continue to be on an XXXX plan. MOHELA told me I needed to recertify ; however, no one has been required to recertify since XX/XX/XXXX. 

My goal is that I be placed back into my correct XXXX plan and continue having the same payment as I had as of XX/XX/XXXX when student loan payments were paused.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

I'm trying to XXXX or access my equity and I'm being denied because the XXXX XXXX has XXXX XXXX loans I have for a XXXX XXXX  listed under XXXX or XXXX XXXX loans. They company says they do not have liens on my XXXX yet that's how it looks. It also looks like my XXXX was late but I have never been late on my XXXX. I was late on XXXX loans in XX/XX/2023 but caught up in XXXX. I'm struggling here trying to these all up to date but the XXXX XXXX and specifically this error is affecting my chances. Please help.
Consumer complaint received 2019-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (VA)

Experian violated my rights in violation of the CFPA, FCRA, Privacy Act, Freedom Of Information Act, Privacy Act, and other applicable state and federal regulations or laws. Experians violations against came to coerce me for complaining and filing with the CFPB complaints about Experians many Violations against me.

- Experian is not willing to stop its retaliation against me and continues to discriminate against me and it blocks me from accessing my credit report.

- Experian is Trying now to force me to one side benefited arbitration to cause loose my rights including but not limited my right now to sue Experian at anytime without a notice but from a summon to be served most likely soon by a U. S Marshal to The defendant.

-Experian must understand that you can not destroy my credit in retaliation and walk away with your crime without legal punishment and a severe one.

I attached a snapshot from the new restricted to copy agreement of authoritarianism and slavery that Experian wanted badly to force me to enter and I reject it at its entirely and I dispute it.

If the CFPB will not investigate Experians violations and cheating against consumer rights then between us public opinion, media and courts.

All stated herein is to my current states belief, knowledge and understanding and it is all subject to any change or correction of any kind and at any time and by my person or legal counsel and without any notice and without waiving my rights.

Thank you, The complainant
Consumer complaint received 2023-01-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Javitch, Block & Rathbone LLC (TX)

Javitch & Block sued me in court for an unknown, unverified debt. I never received notification of the debt from XXXX or them. They have not correctly validated the debt saying it is part of a bulk debt from XXXX ; I think they meant XXXX. They never broke down the debt interest principal and charges. They never sent proper notices telling me about this debt and telling me I could dispute it which I strongly dispute. After they filed the lawsuit, I tried to call them and they never picked up the line, so I couldn't even dispute it verbally. 

Yet they took me to court. They never showed a proper Bill of Sale or any chain of ownership even after I asked for proper and full validation. I was surprised that this case even made it to court because the paperwork was so shoddy and was the same generic paperwork they serve to everyone. My name was not on any specific paperwork except for a spreadsheet that it appears they created themselves. I attended the court hearing, was called by the wrong name by the judge and was served an order to pay the full amount with interest each year. To top this all off, I was served with a default judgment as if it didn't matter that I was even there and feel my civil rights have been violated.
Consumer complaint received 2019-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: KEYCORP (NY)

I apply in branch for a secured card they made me open a savings account to freeze it now I call they said I was denied and to apply for a loan instead this is crazy they cant tell me what to do or which product I want not fair they refuse to approve me secured card application after doing what I was told to go in branch and open the savings which I did and they now tell me I dont qualify such a waste of time
Consumer complaint received 2018-06-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Professional Debt Mediation, Inc. (FL)

I checked my credit report and saw an account for PROFESSIONAL DEBT for {$3500.00}, stating it was assigned to an attorney. They are threatening to sue me fore a debt I have no knowledge of and have never been contacted about.
Consumer complaint received 2019-07-23
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. (GA)

XXXX HAS FAILED TO PROVIDE ME WITH THE ORIGINAL INSTRUMENT OF INDEPTEDNESS IN ITS ORIGINAL FORM. IT IS REPORTING TO ALL CREDIT REPORTING AGENCIES FALSELY. I HAVE ASKED XXXX ON SEVERAL OCCASIONS TO PROVIDE THE PROPER DOCUMENTS. HOWEVER THEY FAILED TO DO SO. THEY ARE IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT AND THEY ARE ALSO IN VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT. IT IS CLEAR THAT THIS DEBT IS NOT MINE, AND IT HAS PREVENTED ME FROM OBTAINING CREDIT.
Consumer complaint received 2019-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

XXXX HAS FAILED TO PROVIDE ME WITH THE ORIGINAL INSTRUMENT OF INDEPTEDNESS IN ITS ORIGINAL FORM. IT IS REPORTING TO ALL CREDIT REPORTING AGENCIES FALSELY. I HAVE ASKED XXXX ON SEVERAL OCCASIONS TO PROVIDE THE PROPER DOCUMENTS. HOWEVER THEY FAILED TO DO SO. THEY ARE IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT AND THEY ARE ALSO IN VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT. IT IS CLEAR THAT THIS DEBT IS NOT MINE, AND IT HAS PREVENTED ME FROM OBTAINING CREDIT.
Consumer complaint received 2023-04-03
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Check City Partnership, LLC (FL)

I took a loan out for {$1200.00} from Check City at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, NV XXXX ( ( XXXX ) XXXX ) in XXXX of XXXX. I made 3 or 4 payments of approximately {$320.00} each according to the schedule set forth in the loan before losing my job and being forced to move to FL to live with my parents. I am on XXXX XXXX XXXXXXXX and without income from work only make a little over $ XXXX. When I called to speak with someone at Check City in XXXX to make the last payment, I informed them that I lost my income and they told me that the payment I was making at that time would cover the rest of what I owed them. I verbally authorized them to take that payment out of my account. Now, approximately 5 months later, they just decided to take {$830.00} out of my account without my authorization and refuse to reverse the charge. They claim that the agreement I signed when I got the loan included a clause that they could just take any amount out of my account they wanted whenever they wanted to, but they refuse to give me a copy of that agreement so that I ca verify that claim, and I don't believe it had any such clause. I have asked my bank to put a " stop payment '' on the charge and any further charges from them, and will be disputing the charge if/when it processes. I spoke with the branch manager at the location where I got the loan originally, as well as an individual at the company 's collections department, and neither of them were willing to reverse the charge or provide me with a copy of the terms of the loan.