davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-17
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. (OH)

Im submitting a complaint to Credit Bureaus today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX  XXXX Balance : {$420.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-04-17
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: Self Financial Inc. (OH)

In accordance with the fair credit reporting act these creditors XXXX XXXX SELF LENDER, SELF FINANCIAL BANK INC/ XXXX XXXX XXXX XXXX has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy. 15 USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2016-10-07
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Kansas Counselors, Inc. (KS)

In XXXX I injuried my XXXX 3 times. I 'd seen multiple doctors, surgeries, pt 's. I ended up with XXXX 's of dollars in debt, and zero way to pay it. I lost my job, I lost my entier life savings. I was living off my daughter ssi of XXXX dollars a month, and in massive physical pain. About a year later in XXXX. I 'd be reported to collections by XXXX. For over XXXX dollar. I send them XXXX dollars. I think got a bill for XXXX dollars. I never called them and worked out a payment plan. I did n't do payment plans because I could n't honor them. My mom every 6 months would send me some money for medical debt. I sent them XXXX dollars, in XXXX, and that was the last I heard of them until yesterday. 5 years. When the filed 5 years of non payment collections on my credit. They never called me, they never billed me. They made zero effort to bill, call me, never sent it back to collections. Until XXXX/XXXX/XXXX. My money problems never got any better. I since been dx with possible XXXX, and I live off I and my daughter XXXX, at XXXX dollars a month.
Consumer complaint received 2022-08-10
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: ACIMA CREDIT, LLC (MD)

I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act, ACIMA DIGITAL FKA SIMP has violated my rights. Regarding alleged account # XXXX 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 an account without my written instructions. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove in 4 days
Consumer complaint received 2017-02-17
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (VA)

I received a XXXX and a XXXX for {$0.00} for XX/XX/XXXX from OCWEN. The property in question was foreclosed on and the debt discharged under chapter XXXX bankruptcy in XX/XX/XXXX, however the date of the identifiable event is listed as XX/XX/XXXX. I 'd never heard of OCWEN prior to receiving these documents, so it is unclear how they were transferred a mortgage that had been discharged in XX/XX/XXXX, and are now trying to take a write off on a loss that they should not have incurred. Is there a pattern of false reporting from this company that needs to be investigated?
Consumer complaint received 2019-02-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/2015 and XX/XX/2015 someone deposited {$1400.00} and {$1700.00} into my account using my login and password which was not authorized by me. In which my wife use to get her Social Security check in that account we thought it was from SS administration now Ive been placed on the suspected fraud list and cant open a checking account with any bank. It was Bank of America who placed the hold on me.
Consumer complaint received 2017-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (SC)

In XX/XX/XXXX South Carolina Tax comission filed a tax lien on taxes due from XX/XX/XXXX and never notified me In XX/XX/XXXX I was transferring my house to my wifes name and the lien showed up on title work and I paid it That was the first I knew there was a lien. 
I file a dispute with Equifax to have it remove or even update paid and it still shows up as not paid I applied for a loan at XXXX XXXX XXXX XXXX and it cost me a higher interest rate. 
The reason it should be removed is I was never late I paid it the same day I found out it was on my record. Even in XX/XX/XXXX when I file my state taxes I got a refund back and was not notified of a lien
Consumer complaint received 2017-11-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: FastBucks (WA)

I have an outstanding loan with Fast Bucks in XXXX XXXX, ID. I was a repeat customer and paid off my loan numberous times. 
Due to health problems I had to quit my job. I had a few payday loans out and was in a bad spot. 
All the lendors except Fast Bucks have graciously worked with me and surprisingly didnt charge outstanding interest. 
Fast Bucks on the other hand has been horrible. My initial loan was for {$500.00}, now I owe them {$900.00} something. I called the office multiple times to arrange a payment plan. 
The furthest I got was they promised me a call back from managment, that I still havent had months later. 
They will not work with me. I know i owe them a debt and they will not work with me. They have told me the only way I can pay the loan is in fill or cash payments of at least {$140.00} in person. 
This is ridiculous. Every other collector and payday loan company jas worked with me. I have been contacting and working out my debts with all parties except this company. 
They are a preditory lendor that will not work with you no matter how long you have done business with them, and wo n't take money from you if it 's not enough to them. At this point I could have mad at least {$200.00} in payments, but they will not have it.
Consumer complaint received 2023-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (AZ)

I set up a payment for my state Taxes for my small business on XX/XX/2023. Shortly thereafter PNC Decided to freeze my funds because of a dispute regarding the proof of identity and my address documents which I sent in. 

As a result I have been assessed a {$50.00} NSF fee from the State for the electronic transfer not going through. This is the direct result of PNC Bank 's unlawful freeze of my funds which have now caused me a financial loss.
Consumer complaint received 2016-03-03
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TENET HEALTHCARE CORPORATION (GA)

After becoming aware that XXXX accounts had been placed on my credit report by this agency, I contacted the agency requesting verification of this debt. The information provided by the agency did not include any information positively associating me with this debt, nor had I visited the associated facility or received any of the medical services associated with this debt. Between XXXX - XXXX, I made multiple attempts to dispute this claim, both with the agency directly as well as XXXX & XXXX. The agency deleted XXXX account but validated XXXX remaining accounts while failing to provide me with any documentation substantiating this debt. On XXXX/XXXX/XXXX, I contacted the agency again disputing the remaining XXXX accounts and asking that the debts either be validated or deleted from my account.On XXXX/XXXX/XXXX, I contacted the agency again after notating that the collections were still reporting to the credit bureaus. After being told by the initial representative that the dispute was placed with the Dispute Department on XXXX/XXXX/XXXX, this was later given denied by the dispute representative and he asked for me to give the agency more time to validate the dispute. I refused this request in accordance with my legal rights and asked that the issue be resolved by close of business today. The representative informed me that he would need at least 3 business days.This false reporting has negatively impacted my credit score adversely affecting my ability to qualify for a home and car loan during this 180+ days..
Consumer complaint received 2017-07-25
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. (TN)

Please investigate my late father social security number. It have been used sinc e 2012,  even though he have been deceased sinc e   XXXX   XXXX  ,2012.
Consumer complaint received 2016-06-02
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: CURO Intermediate Holdings (CA)

We got a loan from Speedy Cash XXXX in the city of XXXX, CA. We paid it off on the due date and went on about our lives. About a month after we paid off the loan a payment was being deducted from our bank account. We went back to the Speedy Cash and got our money back. Two weeks went by and same thing happened, Speedy cash deducted the same amount from my bank account For a loan that we did n't get or apply for, my husband went and closed the account so this would n't happen anymore. Today ( XXXX/XXXX/16 ) I found out Speedy Cash took money out of my bank account for an account that has been closed and we do not owe them any money. We have talked to the manager but nothing has changed. I understand anyone can make mistakes, but making the same mistake 3 times? It 's not possible. 
My bank name is XXXX in the state of California.
Consumer complaint received 2019-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I've contacted trans Union several times regarding XXXX XXXX saying I owe them money on collection. 

They may have had a bill, but the date sure as XXXX isn't XXXX. It's probably XXXX maybe? 

Anyway if the date is corrected they will have to drop it off my credit. 

I've submitted several complaints and requests to get it corrected to trans Union as recently as XXXX   XXXX and of course with the government shutdown I had no one to call to get them to fix their mess. 

So let 's get this done
Consumer complaint received 2017-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Ceannate (NJ)

Recently received an order from my employer 's Human Resource Department that my wages were going to be garnished due a student loan. Now, I was aware of the actual student loan, but the garnishment of not only my wages, my taxes where also seized. Thus, I called the collection agency to verify and they HAD THE WRONG ADDRESS!! It was a residence I lived at approximately 6-7 years ago! I was under the impression that I 'm suppose to have at least 30 days of notification of the actual wage garnishment! But it was sent to an old address. Furthermore, the amount the agency asked for is susceptible. This story is " To Be Continued '' hence I have to forward my now residence information!
Consumer complaint received 2021-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Fifth third charged me fraudulent overdraft fees for an account that was never overdrawn. I was up until 3 am this morning on XX/XX/22 and my account still had a balance over {$900.00}. My direct deposit of {$1300.00} also deposited into my account around XXXX XXXX XXXXXXXX called me at XXXX XXXX to confirm it was okay to cash a {$900.00} check on XX/XX/22 and I confirmed it was okay since I knew more than enough money. I checked my account after the young lady XXXX told me over the phone shes going to cash the check to see fifths third charge me a {$74.00} overdraft fee for an account that was never overdrawn! I called and spoke with a supervisor named XXXX who tried to feed me lies about when XXXX cashed the check, I informed her I was up until after XXXX XXXX this morning and checked my bank account while scheduling to pay my bills then her story turns to If an account is overdrawn it doesnt show until after XXXX XXXX. Ive never heard such nonsense in my life and there was nothing to overdraft my account I scheduled all of my payments for AFTER I know the funds are in my account. Her XXXX XXXX excuse is concerning as well as a member of this bank what deceptive predatory bank lies about the funds in a customers account so they can charge fees. This is beyond outrageous.
Consumer complaint received 2017-02-12
Product: Credit card — 
Issue: Other — 
Company: Bread Financial Holdings, Inc. (OK)

To Whom it may Concern : I am hereby writing this letter to request for a onetime settlement of the outstanding balance 's on my comenity card accounts. I have been struggling with financial difficulties for the past six month on accounts of my lay off due to the economic downturn. I am finding it very difficult to make monthly payments to my account. I sent you a letter dated XX/XX/2016 stating I wanted to close my accounts and make a settlement amount and I have yet to receive a response in regard to that. I keep getting multiple calls through the day threatening legal action and it is very distressing. 
I am currently negotiating debt with several creditors and I have only a limited amount of funds. Some of the conditions that I want for this payment are as follows : The payment will be full and final settlement of my credit card outstanding balances for XXXX, XXXX, XXXX and HSN No legal action will be initiated against me in future for any payments I will be removed from the defaulter 's list from your records. 
No threatening phones call from your customer service that I have already received ( I have a copy of the voice messages. 
If your company is willing for this one time settlement then please write back to me and I will make the necessary arrangements for making the payment and also draft the debt settlement agreement. Do not contact me by phone, you can contact me XXXXXXXXXXXX. 
I will be glad to receive a positive response from your end. 
Yours sincerely
Consumer complaint received 2020-05-27
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. (AR)

I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. XXXX XXXX XXXX {$620.00} XXXX XXXX   XXXX {$440.00} XXXX XXXX XXXX XXXX {$8600.00} XXXX XXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (TX)

I have called Navient many times after XXXX discharged this issue on the complaint XXXX. Last contact date to Navient was XX/XX/XXXX. They refuse to remove the late payments and Navient stated I would have to call the credit bureaus to have it removed. Navient discharged the  fraudulent account on XXXX and then sold the accounts to XXXX  in which I had to have this issue discharged with XXXX.XXXX resold it back to Navient. This issue is bouncing around after I notify them of fraud. Lastly, Navient new of this matter and they still have the discharge information from when I notified them and left the account on my profile. This matter shows currently open on my XXXX report as well as 120-180 late payments. Navient has not furnished me a promissory note to show proof of the said debt. I want the late payments removed and the accounts of debt.There are a total of 6 accounts : STUDENT LOANS DEPT OF ED/NAVIENTNeeds Attention Last reported : XX/XX/XXXX {$7800.00} 120+ Days Late DEPT OF ED/NAVIENTNeeds Attention Last reported : XX/XX/XXXX {$5800.00} 120+ Days Late DEPT OF ED/NAVIENTNeeds Attention Last reported : XX/XX/XXXX {$5100.00} 120+ Days Late DEPT OF ED/NAVIENTNeeds Attention Last reported : XX/XX/XXXX {$4500.00} 120+ Days Late DEPT OF ED/NAVIENTNeeds Attention Last reported : XX/XX/XXXX {$3900.00} 120+ Days Late DEPT OF ED/NAVIENTNeeds Attention Last reported : XX/XX/XXXX {$2100.00} 120+ Days Late The account was closed but still, show late payments from my complaint : XXXX. I wish to have it removed along with late payments. 
XXXX {$13000.00} Closed Overview You've paid off -34 % of your student loan amount. 
Balance {$13000.00} Highest Balance {$10000.00} Monthly payment {$0.00} Opened Unknown Term months Payment History Youve made 86 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment -- Current Payment Status In Collections/Charge-off Worst Payment Status No Info Account Details Account status Closed Type Education Loan Responsibility Individual Remarks Consumer disputes this account information Collection account Fixed rate Times 30/60/90 days late I mailed the Affidavit of truth and fact notarized on XX/XX/XXXX, copy of drivers license and social security card, the official police report # XXXX XXXX and federal trade commission identity theft report # XXXX. After they deleted it, it appears that they sold the debt to XXXX ( XXXX XXXX XXXX XXXX ) Account # : XXXX. I faxed the information to that company onXX/XX/XXXX
Consumer complaint received 2015-06-12
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank Of America withdrew funds from my account without my knowledge or authorization. They claimed I owed XXXX on a reposessed RV, I disputed the debt XX/XX/XXXX. Bank of America did not provide written verification of the debt. Instead Bank of America made an unauthorized withdrawal of XXXX on XX/XX/2015. I am enclosing documents to show the dispute, unauthorized withdrawal and letter from my attorney.
Consumer complaint received 2017-04-03
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY (VA)

Because XXXX erroneously charged me XX/XX/XXXX for a XXXX membership that I did not want and have never asked for, AMEX has not understood nor acted properly when I have assured you that your credit to my account simultaneously with XXXX 's credit has continued to show as a DEBIT over and over each month for {$99.00}. ( If you will review the attached statements and letter from XXXX ) AMEX has determined this to somehow be a debit that I now owe. Just remove your credit and this should leave a XXXX balance. However, over the past year - late fees and interest have continually been charged which is illegal on a disputed amount. 
On my XX/XX/XXXX statement - payments are shown for the balance with new charges of {$190.00}. There is no explanation of what this {$190.00} represents. Do you know? I can not follow your continual month to month charge of {$99.00} to my statement even after you agree to my dispute. 
As you can see from the attachments herein, nothing has been purchased and every transaction shown is your company trying to force me to pay you for NOTHING of value received by me!
Consumer complaint received 2017-07-25
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. (TN)

Please confirm with IRS this is my last XXXX for employment. I was laid off on X/XX/2009. The Social Security Administration have this information on file with my social security number. My employer was XXXX XXXX XXXX XXXX XXXX. Their ein number is on the 2009 XXXX I sent in the attachment.
Consumer complaint received 2015-09-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

I 'm a XXXX student at XXXX XXXX. I had previously been a grad student at XXXX XXXX XXXX XXXX XXXX, but I transferred for the XXXX 2015. Then:1. Navient took me off deferment despite being enrolled full-time ( my federal loans continued deferment without issue ; I do not have enough income to pay loans ). 
2. They gave me the option of forbearance for the interim 2 months until they ( hopefully ) have enough evidence that I am enrolled full time in school. They would not explain how this forbearance would affect interest rates or the principal. 
3. I paid {$150.00} over the phone a forbearance fee to put my accounts into forbearance ; the next day I had fraud on my bank account ( not sure if this is related? ). I called them immediately to stop the check # and submitted a new check #. 
4. They repeatedly tried cashing the voided check causing fees on my checking account, and though they successfully cashed the XXXX {$150.00} check, and gave me a forbearance-in-effect confirmation number, have ( despite repeated calls and many submitted forms of evidence from my bank ) put my accounts as past due and say that they did not deduct this money from my account. 
5. The information they have on my account states that I am still gainfully employed at my former position, a job I left over two years ago. My account was deferred due to my time at XXXX XXXX, so clearly it was once updated to reflect my full-time student status ; their record keeping is vastly out of sorts.