davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-08
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: PENTAGON FEDERAL CREDIT UNION (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-14
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. (GA)

There are several accounts that are inaccurately reporting late on my credit file. 

XXXX, Transunion and XXXX  is reporting that I was 30 days late with XXXX XXXXXXXX XXXX in XX/XX/XXXX and XX/XX/XXXX when I was not. 

XXXX XXXXl is inaccurate showing that I was 30 days late with the following credit agencies : Transunion - XX/XX/XXXX, XX/XX/XXXX, and XXXX and XX/XX/XXXX XXXX  - XX/XX/XXXX and XX/XX/XXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX is inaccurate showing that I was 30 days late with the following credit agencies : Transunion and XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX
Consumer complaint received 2021-02-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC. (NY)

Midland funding won two judgments against me in 2017. 

We received letters of satisfaction for said judgment, but they continue to garnish my wages. 

They have collected over and above the amount owed, per the judgment.
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TN)

My mortgage, car loan, and credit cards do not show on Experian. They are all open accounts and show on XXXX and XXXX but not on Experian. Please update my credit profile to show my open credit accounts.
Consumer complaint received 2022-04-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A. (MD)

XX/XX/XXXX I've been having problems with PNC for a long time. It started when my account was hacked into and all large lump sums of money was stolen and they tried to lie about the situation I act like I stole the money now I got in a hardship program with them twice when I get in the hardship program I will have to split my payment my payment is {$880.00} they split in half and basically I will pay half of that I paid that but it's like not consecutively that's pretty much is 3 months I did it recently they say XXXX XXXX and XXXX and XXXX I paid about XXXX XXXX XXXX XXXX XXXX I paid {$440.00} and some change in XXXX I went back to my {$880.00} I actually paid them come to find out to payment and XXXX and then I pay XXXX as well they keep trying to say that I owe them {$32000.00} one of the associate she didn't seem to know how to do a job she said I had late fees which I'm never late I said did it was still {$31000.00} and then it wasn't due to be paid off the same maturity date of XX/XX/XXXX XXXX of XXXX I need this matter fully investigated to find out what from Penny to Penny where did my money go at how did they come up with these figures it seemed like they just charging and telling you anything when you call him somebody tell you something different every week you could call twice and somebody will tell you different amount I need this fully investigated and Penny the penny print out somewhat what's all on this vehicle and why is a maturity date. Change it when you have gotten extra payment
Consumer complaint received 2018-02-11
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: Experian Information Solutions Inc. (LA)

My identity was stolen between XX/XX/XXXX-XX/XX/XXXX. As a result, multiple accounts were opened and used without my knowledge. XXXX XXXX XXXX  XXXX was one of the accounts listed in my identity theft report. There was fraudulent charges on my personal checking account and my credit card was compromised. I reached out to XXXX XXXX several times but they wont help me. I've notified Experian multiple times but they won't remove it off my credit report. XXXX also has a missed payment on my Experian credit report that needs to be removed, I was never late on.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BMW Financial Services NA, LLC (NJ)

I wrote to XXXX to remove BMW Financial Services from my credit report and no adjusment was made. I followed up with BMW Financial Services requesting 1099C ( Cancellation of Debt ) over 30 Days ago. This auto loan was charged off for the amount of {$66000.00}.
Consumer complaint received 2022-01-12
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: Experian Information Solutions Inc. (GA)

I FILED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT, AND IT HAS BEEN WELL OVER 30 DAYS AND I HAVENT RECEIVED ANY INVESTIGATION RESULTS.
Consumer complaint received 2024-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (HI)

Loan Company - Nelnet I had enrolled in XXXX XXXXXX/XX/XXXX in auto debit to keep intrests low. I made consistant auto payment through XX/XX/XXXX. This XXXX  the suto payments stopped and when I went on I noticed I was in deferment until XXXX XXXX When contacting Nelnet, I asked for clarification and they said because I was now in graduate school I was placed in deferment. Nelnet 's policies ask that deferment be requested. I did not request deferment. on XXXX XXXX XXXX I asked cusomer support to provide the notifications I was supposed to receive. I was then sent ( Back Dated for XXXX XXXX XXXX  ) the letters congradulating me for the approval of my deferment requests that apparently started on XX/XX/XXXX ( before I made my last auto debit payment ). Nelnet is removing auto debit without notifying customers, pausing payments but causing interests to grow unknowingly. Nelnet could not explain why the auto debit payment was removed.
Consumer complaint received 2024-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (AL)

On the date of XX/XX/year>, I received a direct deposit from XXXX XXXX in the amount of {$5000.00}. Per the terms and conditions of the {$300.00} direct deposit promo bonus, since I received a direct deposit of at least {$5000.00}, therefore I should have received from SoFi a promo bonus deposit of {$300.00}. The complaint I'm submitting is that I have not yet received the {$300.00} bonus. I had promptly reported the issue to SoFi and the agent I spoke within in chat session agreed that the matter would be escalated up for a resolution to fix the coding tag on the XXXX XXXX transaction in question so that it would be correctly identified as a direct deposit so I can get the {$300.00} bonus I was expecting. When I periodically contact SoFi in chat session to ask for a status update, I am only told that it is still being worked on which I doubt is accurate at this point. Also note that all other banks I've used that receive the XXXX XXXX deposit have consistently recognized the deposit as a direct deposit without issue.
Consumer complaint received 2022-07-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc. (FL)

In mid XXXX of XXXX, I received a debt collection letter dated XX/XX/2022 from United Collection Bureau XXXX Inc. in the amount of {$6600.00}. The letter listed my name incorrectly. The letter listed a creditor and the final amount owed, with options to pay the debt. In an attempt to have the debt validated, I mailed United Collection Bureau , Inc. a letter on XX/XX/2022, asking them to provide information validating the debt in question. In response, on XX/XX/2022, I received a 3 page letter ( dated XX/XX/2022 ) from United Collection Bureau , Inc. listing my medical records down to medications and procedures, which I know is a violation of HIPAA regulations. I never gave any consent to United Collection Bureau , Inc. nor signed any HIPAA forms authorizing said company to access this sensitive information. I'm filing a complaint with HIPAA and would ask that United Collection Bureau , Inc. and the creditor delete this information from my credit file and cease all collection activities immediately.
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: National Consumer Telecom & Utilities Exchange, Inc. (MA)

I tried to place a security freeze with the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX according to their instructions by sending them a letter. I sent it by registered mail and received the Domestic Return Receipt stamped by them on XXXX, XXXX 2018 as proof of their receiving it. I never heard from them again. I do not know if a freeze was ever placed. 
After looking them up on the XXXX XXXX XXXX XXXX website I discovered many similar complaints, as well as the fact that they are not accredited by the XXXX. 
I tried contacting them by phone twice, once to request a credit report and once to request that any freeze be lifted. I tried to use their automated system that said both times that my request could not be processed and hung up on me.

I do not want that company to have my information and request that in the case a credit freeze was placed on my account it now be lifted.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (NV)

To whom it may concern, while checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : inquiries : 1. Comenity Capital/XXXX XX/XX/year> I did not authorize anyone employed by this company to make any inquiry and view my credit report this is a violation of the fair credit reporting act section 1681 b ( c ) and a serious breach of my privacy rights. 

Please validate this information with this company and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number Please note that you have 30 days to complete this investigation, as per the fair credit reporting act section 611.
Consumer complaint received 2022-04-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CT)

My credit card balance was {$12000.00} I initiated an {$8000.00} payment on the card, cancelled it and then changed it to a {$3000.00} payment. 
My available balance for purchases then became - {$970.00} not the {$3000.00} I just paid. 
Contacted a CS rep who said I never made the {$3000.00} payment- the bank returned it. I showed them proof and they said the system had not updated Contacted a 2nd CS rep and they said in fact the {$3000.00} was in fact paid but " The {$9400.00} is a non promo balance on your account adjective balance on the account '' Nonsensical response. 
Sent an email to the company and the response did not even address the question. The response was " Please note our records indicate a payment pending for {$8000.00} and a payment reversal for the same amount. The negative amount shown is for the payment reversal. '' How does $ XXXX $ XXXX a negative available balance?? 
My available balance was not negative before I made the {$3000.00} payment so how could it be negative AFTER I make a payment. 
This is not the first time Synchrony Bank has been deceptive in dealings with my account. 
Any help you can avail me would be greatly appreciated. 

Thank you
Consumer complaint received 2022-01-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV INC. (GA)

False claim for debt was submitted to XXXX XXXX XXXX XXXX XXXX Maryland XXXX Inc. located at XXXX XXXX XXXX XXXX XXXX, COXXXX. The Agency ID # XXXX. Claim was made that the debt is long overdue. The agency calls constantly and harrasses us for a debt we do not owe. The alleged amount is {$290.00}. We have disputed this claim repeatedly.
Consumer complaint received 2024-03-21
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (CA)

OnXX/XX/2024, I requested an invoice verifying the amount of debt from the debt collection agency and was told that they do not have to give me that information and I can reach out to the original creditor to see if they have it. I was told that they only see the word damages but could not specify to me what those damages are and the amounts for each of those.
Consumer complaint received 2024-03-21
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (WI)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2020-01-24
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: EQUIFAX, INC. (MO)

My credit score should be XXXX at all three credit reporting agencies I feel I am being discriminated against because I am XXXX American.. I want a full investigation into all three credit reporting agencies.
Consumer complaint received 2021-02-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XXXX XXXX 2021 I had contacted XXXXXXXX about collecting winning from playing games on XXXX XXXX! While talking to this gentlemen he had access to my account to use a program to verify deposit would go through using a program on his computer! At the time I was not aware what he was doing even when he had my password to get into my account at the time! I think for some reason that he was suppose to be from XXXX that it was ok! But then after a few minutes and hung up with him thats when I relized this was a scam and thats when I called the bank to close my card and then realized he had opened other account and taken all of my social security and stimulus check! I have report to the police and have tried to work with my bank about the issue and they are not working with me! I have also contacted the other account to let them know what happen and I still waiting to hear from them! No getting my money back is wrong since this was crime against me and losing that money is causing me so anger and stress and just want my money back and the bank does make this right then there are saying the theif wins again! Please help me to get my money back!
Consumer complaint received 2021-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (MD)

I send payments through my XXXX XXXX ( XXXX ) checking account to my mortgage company, Quicken/Rocket Mortgage. I can see on my XXXX account when the payments are received by Quicken. However, Quicken doesn't seem to apply the payments timely. 

I have a XXXX account which shows " unknown '' for timely payments I made in XXXX through XX/XX/2020. All the payments were made in advance of due dates. However, when I contacted Quicken after seeing them on the credit reports, Quicken threw the issue back to XXXX. I asked Quicken to contact the credit bureaus and report them as paid timely. They indicated they don't do that!

I don't trust Quicken with what I have seen for several months on applying payments and doing it timely and accurately.
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OK)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2020-10-20
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: Experian Information Solutions Inc. (TX)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX & XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt.

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items.

Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Consumer complaint received 2021-08-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Coradius International LLC (MA)

American Coradius International LLC has willfully and knowingly violated Federal consumer laws. They have commited multiple FDCPA violations which includes contacting I, the consumer, without prior consent pursuant to 15 USC 1692c ( a ). Cease and Desist order was mailed out XX/XX/2021 and they continue to contact me about this allege debt pursuing payment which is a direct violation of 15 USC 1692c ( c ). Attached are all records of mailing and Bill of Particulars.
Consumer complaint received 2021-06-08
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: CITIZENS FINANCIAL GROUP, INC. (NY)

XXXX XXXX-I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report. 
XXXX XXXX-I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report. 
XXXX XXXX*-I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report. 
CITIZNSBNKNA XXXX-I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report.
Consumer complaint received 2024-03-21
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (IL)

My XXXX XXXX  says I have multiple late payments. Which I am on a payment plan making up for my late payments. My credit report says Im 90 days late on payments, which is incorrect. My credit report says I havent made a payment since XXXX of XXXX Also says I havent made a payment None of XXXX, Also Says I havent made a payment for XXXX of XXXX. Which is incorrect also. My car loan was XXXX my remaining balance is XXXX now. I have been at the same balance for months now. I pay XXXX a month.