davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

My student loans have been serviced by a XXXX XXXX  of loan services, but all have been under PHEAA. I graduated school in XXXX and was in forbearance for most of the recession. When the Income Driven Repayment options were made available in XXXX, I contacted my loan servicer under PHEAA to transition into it. They refused to assist, citing their special status as an agency of the State of Pennsylvania. We went back and forth on this for several years, where they would try to collect and I would refer them back to the earlier conversation about the IDR and that no payments could be made unless they recalculate the then capitalizing interest. PHEAA never handled the paperwork correctly and I refused to comply, because I understood an offhanded assent on my part would result in being formally placed under an " agreement '' that would allow them to capitalize the erroneously charged interest. Their communication stopped in XXXX. 

Now, on XXXX XX/XX/XXXX, PHEAA has begun the default process for the account without making any effort to contact me in the past 8 years. None. They now have capitalized all the interest and the claimed amount has shot up to {$130000.00}!!! After all this time, now, with all the massive economic challenges Americans are facing, that's when this company is attempting to maximize its profits through deceptive accounting that is founded on more than a decade of fraudulent misrepresentation.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to file a formal complaint regarding the presence of fraudulent items on my credit report and to request their immediate removal. These fraudulent items are tarnishing my credit history and causing undue harm to my financial standing. 

Upon reviewing my credit report, I discovered several unauthorized and fraudulent entries, including [ describe the fraudulent items in detail, such as unauthorized accounts, inaccurate information, etc. I can assure you that I did not initiate or authorize any of these transactions, and they are therefore fraudulent and erroneous. 

I have previously submitted disputes regarding these fraudulent items on [ dates of previous disputes ], providing supporting documentation, including any supporting documents. However, despite my efforts, the fraudulent items persist on my credit report. 

The continued presence of these fraudulent entries not only damages my creditworthiness but also undermines my ability to access credit and financial services on fair terms. Additionally, the failure to promptly address and remove these items suggests a lapse in your organization 's responsibility to ensure the accuracy of consumer credit reports. 

Therefore, I urgently request that you take immediate action to remove all fraudulent items from my credit report. Specifically, I request that you : Conduct a thorough investigation into the fraudulent items in question. 
Remove the fraudulent items from my credit report without further delay. 
Provide me with written confirmation once the fraudulent items have been successfully removed. 
Implement measures to prevent similar fraudulent entries from appearing on credit reports in the future, including enhancing security protocols and verification procedures. 
I expect a prompt and satisfactory resolution to this matter. Failure to address this issue promptly will leave me with no choice but to escalate my complaint to higher authorities and seek legal remedies to protect my rights under the Fair Credit Reporting Act. I am asking for your assisstance to remove these fraud items in my credit file : 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 2017-11-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Western-Shamrock Corporation (TX)

I have a personal loan with XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. Last month by the end of XX/XX/XXXX I spoke with the manager XXXX of this finance company because I was less than a week late on my payment. Due to am still making payment on my Mothers funeral home. My mom XXXX XXXX XX/XX/XXXX and I have n't finished making payments. I told the manager that due to personal issues I wanted to pay a payment arrangement the amount that I owe is around {$800.00}. and my payment is about {$98.00}. I said and I send them a letter stating that I will be sending payments every two weeks of {$24.00}. I was told that they were going to visit me at work, home and harassed my personal references and treat to send me to Court and Collections. I told them that if they could n't accept my payments and the only option was to send me to collections, well to go ahead and do so but then she retracted on what she said. Yesterday I got a visit to my house XX/XX/XXXX and they wanted to collect {$5.00}. cause I told them I had just send them a money order by mail. I started sending payments in money order since XX/XX/XXXX and I have given 3 payments so far but they are not accepting them. I already told them to stop going to my house but I am afraid they would n't stop, please help ... I am not hiding from my payment and I do n't want to be irresponsible
Consumer complaint received 2017-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent dispute letters via mail in online to XXXX Transunion and XXXX, each of them the sent me results with in five days saying investigation is complete but I do n't understand how you can complete a ingestion with in 5 days. I was apart of the XXXX data breach in it is a lot of stuff on my credit report that does n't belong to me. in the following is as listed XXXX XXXX 's XXXX XXXX XXXX XXXX and also XXXX XXXX
Consumer complaint received 2017-11-28
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

I was sued for a debt owed to XXXX XXXX XXXX XXXX. I went to court and was told to pay what I could afford monthly. I am on XXXX & was sending them $ XXXX/month, which they were deducting from my account each month. They repeatedly called me and left messages, I have XXXX XXXX which is increased with XXXX. On XX/XX/17, Wakefield & Associates levied an account of my sister 's which my name is XXXX also. They took ed every penny and took the account to a XXXX balance. I now have to pay my sister this money back, which I do n't have. My sister has helped me due to our financial situation and put my name on her account so I could borrow when needed and repay as I can. I called Wakefield & Associates and was told, yes, they did receive the $ XXXX/ monthly payments and was applying them to a debt owed to " XXXX XXXX Hospital ". I was not sending the money for this debt, I was sending it for the account I was sued for which is XXXX XXXX XXXX XXXX. They we very uncaring that I do n't know what I am going to do now because I have no money to pay my debts. I do n't think they should have been paying the payments towards a debt that it was not intended. They call me from early morning to night on most days. It 's sad that medical bills that are unavoidable sometimes can ruin a person 's life. Wakefield & Associates are unrelenting and uncompassionate. Thank you, XXXX XXXX
Consumer complaint received 2017-11-25
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Advance America, Cash Advance Centers, Inc. (TX)

The company calls my parents about my debt and they are not involved at all in this situation. I do not live with my parents and they should not be calling my parents at all about this.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, 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 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( a ) ( 5 ) Section States, no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. Lastly, 15 USC 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate. I'm requesting that the accounts above be deleted immediately.
Consumer complaint received 2021-09-24
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: VEROS CREDIT, LLC. (CA)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.
Consumer complaint received 2017-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I 'm writing due to the incorrect information being reported by Bank of America credit card. Bank of America has reported incorrect information to the credit reporting agencies, that I had gone over my credit limit. When in fact, I had originally put in a request for a credit limit increase, well beforehand, in order to avoid this ; however it was provided 2 months after the original request. See below for more details. 

I have over 25 years with excellent credit, never been late with any of my payments to any creditor, nor have I have ever gone over my credit limit with any of them ; as evidenced from my past credit reports with all three reporting agencies. 

On XX/XX/XXXX, I called Bank of America inquiring about by credit card limit and for a credit limit increase of {$500.00} ; since I was planning to make several large purchases during the next following days. I understood that at the time my credit limit was {$12000.00} and with my new charges it would go over my credit limit by {$250.00}. I figured this would be enough to cover my credit limit overage and leave me with ample available credit, should I need to use my credit card again in case of an emergency. 

On this same day, I charged my IRS tax lien of {$930.00}. On XX/XX/XXXX I made a purchase for a flight ticket of {$230.00} and on the last purchase, XX/XX/XXXX, I paid my school tuition with my Bank of America credit card in the amount of {$1800.00}. Adding all these charges, I knew that it would go over my credit limit ; thus the request for the {$500.00} credit limit increase. Since these purchases, I have not used my credit card ; meaning the requested increase, was only for the purchases mentioned above. 

Upon finishing speaking with Bank of America, I was told that they would get back to me with a decision in authorizing the increase. I never received a phone call, an email, nor any written letter in the mail, advising of their decision. The credit limit increase was not provided until XX/XX/XXXX. Bank of America 's delay in prompting a decision for the increase, then caused me to go over my spending limit. 

My original request on XX/XX/XXXX, was not for {$2000.00} or {$5000.00} ; but for {$500.00} more than enough to cover the purchases mentioned. I do not appreciate that given my years of hard work maintaining my good credit, that through Bank of America 's inaction and failure of not being able to provide a quicker resolution to a credit limit increase, in a timely manner would cause my credit rating to be impacted in a negative way. 

I expect that Bank of America, rectify the information they are furnishing XXXX, XXXX and XXXX, and clear this erroneous information from my credit report. 

Thank you.
Consumer complaint received 2017-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (DE)

The information that is reporting on my credit report regarding this loan is grossly inaccurate. I have attempted several times, in vain, to contact the company to have this information verified and if not, removed. Yet they continued to update the same information including inaccurate balances, false notifications of debit, and incorrect dates. Wells Fargo was not even the original creditor of this loan and it appears they have the date they took over the loan listed and not the actual date. Hence so much confusion regarding the validation of the debit, balance, and payments. Once the vehicle was repossessed it was then sold and I was supposed to be notified of any balance which they never did. But moreso this was over 8 years ago and its still on my credit report and they refuse to remove it or provide validation of the debt they continue to say its valid without providing proof as the law demands. 

Since none of this has not been done I am asking the CFPB to investigate their deceptive business practices. This debt has remained on my credit report despite the numerous disputes far past the allotted timeframes. 

Sincerely XXXX XXXX
Consumer complaint received 2017-11-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

In 2003, I obtained a Best Buy Credit Card. It is currently serviced by Citibank. I noticed that I have been being charged up to 12 percent annualy for " debt protection '' which I never agreed to purchase from 2003 through present. I requested that Citibank send me the proof that I signed up for this service ( a signiture or other affirmation that I agreed to purchase " debt protection '' ) After numerous calls to Citibank, I was told the " debt protection '' was provided by a third party, but no one knew the name of the company that provides the " debt protection service. '' I later found out it may have been provided by a subsidiary of Citibank which is an insurance company. Even the cancellation department for the " service '' was unable to explain who they worked for. I was told they would be recording my call, when I asked if I would have equal access to the recording, I was told " no. '' When I asked whether I could record the call, the person asked a supervisor, then got back on the phone, and told me since I asked to record the call she could n't talk to me and immediately hung up. I called back and said I would talk to them under duress. They agreed to cancel the service, I never agreed to pay for in the first place and told me that another department which they only have an address for that has no phone number I could call or email address would find the proof that I signed up for the service. 30 days later, I received a letter saying Best Buy 's records indicated that I signed up for the service with NO proof that I did sign up. I called back and explained again that I think they have been fraudulently charging my card for a service I never agreed to pay for and I mentioned that it appears that Citibank entered into a consent Order in Federal Court ordering it to pay XXXX XXXX dollars to consumers for the exact same issue I am having. Specifically, that debt protection service was charged without ever being authorized by the consumer. I was told, they have no idea about that. I again demanded all amounts that I was fraudulently charged since 2003 be refunded to me with interest. Against 30 days later, I received a letter saying their records indicate that I signed up for this service in 2003, again with no proof that I did in fact sign up for the service. It has now been almost 3 months since I started this process of attempting to get the money they essentially stole from me back without filing a lawsuit.
Consumer complaint received 2022-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (VA)

I submitted a payment of {$3000.00} on XX/XX/2022 to my Barclays credit card. 

The payment cleared from checking account with XXXX XXXX on XX/XX/2022. 

Barclays then, without my authorization, withdrew an additional unauthorized {$3000.00} on XX/XX/2022 - totaling {$6000.00}. 

I made several phone calls to my bank and to Barclays. Barclays kept blaming their own internal technical problems but offered no resolution. Their technology issues are not my issues, and the additional {$3000.00} that they withdrew without my authorization should not be held hostage while they fix their systems.
Consumer complaint received 2017-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CO)

On Monday ( XX/XX/XXXX ) I noticed a charge on the joint checking account I share with my wife in the amount of {$22.00}. The charge was from EXPERIAN and appeared to be for a credit report. Neither my wife nor I requested a credit report recently. I called my credit union and they gave me a number for EXPERIAN. I called them yesterday ( XX/XX/XXXX ) and was on hold for 90 minutes without getting through. I call the same number this morning ( XX/XX/XXXX ) and was on hold for an hour without getting through. I went to their website and called a different number. I got through to someone in the charge dispute department and explained my problem. He told me it sounded like a membership charge. While I did request a credit score from EXPERIAN in the wake of the XXXX data breech, I did n't sign up for any kind of membership. The man I spoke with transferred me to the membership department and I am now on hold again ( 25 minutes and counting ). It is criminal that these credit agencies traffic in our financial information and yet we have to pay to access that information. Not only do they make huge profits off of our information, they 're careless with this vital data. I want the {$22.00} refunded and any membership that was set up unbeknown to me terminated. Thank you in advance for your kind attention.
Consumer complaint received 2017-11-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NJ)

I had a mortgage with Chase bank. I purchased the house for {$340000.00} and the mortgage was for {$380000.00}. They told me that I qualified for a grant and that it would cover my down payment but instead the {$20000.00} down payment was added to the mortgage. I tried for multiple years to modify the mortgage because of hardship and because the house I purchased was not worth the amount I bought it for. The modification took so long because they keep on losing my paperwork, saying they never received it. In the end I was forced to do a short sale because the bank refused to work with me in lowering my mortgage payments.
Consumer complaint received 2020-05-03
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)

( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from report Transunion File Number : XXXX XXXX  Report Number : XXXX XXXX Report Confirmation Number XXXX ACCOUNT NAME : XXXX  XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPEN : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPEN : XX/XX/XXXX I recently found i was involved in the XXXX Breach of XXXX i was very scared about the news i was eligible to file a clam for what was lost but the process was very long, time consuming and complicated being that i dont have a history in credit or finance i was referred to an attorney who specializes in predatory loans and breach victim compensation after carefully reviewing all 3 of my credit files Ive noticed I have these accounts called and disputed with XXXX XXXX & TransUnion and this problem never got solve now i'm reaching out to you guys for help!! these fraudulent debt is hindering my ability to apply for credit or even get a first time credit card for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.
Consumer complaint received 2024-02-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am writing to dispute the presence of fraudulent accounts on my credit report despite confirmation from associated banks and valid identity theft documentation. The banks have assured over the phone to remove these accounts, yet they persist, indicating a failure to comply with the law. 
Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-24
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: Nelnet, Inc. (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate.