davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-05
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Atlantic Credit & Finance, Inc. (TX)

Atlantic Credit and Finance called me today for a debt that belonged to my husband He said that account was due to go theie attorney. I advised him that he would need to speak with my husband and he insisted on continuing the discussion. I told him again to contact my husband and that I was at work. I also told him that this was not an opportune time to discuss and he still insisted on continuing the discussing. He told me it was best to talk to him before he 'd have to take legal action.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX 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 that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX 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 2016-10-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I would like this charge removed from my credit reports because it has been changed over from XXXX XXXX to XXXX to XXXX XXXX XXXX. This is hurting my credit report as I am trying to purchase a home. 

I am currently paying the same account with XXXX XXXX XXXX. I would like to have XXXX XXXX / XXXX removed from my credit reports from XXXX, XXXX, TransUnion and XXXX. 
I would like to have XXXX removed from all reporting agencies : XXXX, XXXX, Transunion and XXXX. 
I would like to have XXXX removed from all reporting agencies ; XXXX, XXXX, Transunion and XXXX.
Consumer complaint received 2015-06-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Their is a credit reporting XXXX XXXX XXXX XXXX XXXX on my credit report that is past the 7 year law. This credit reporting by law should be removed. I am requesting that this credit item be removed from credit report.
Consumer complaint received 2018-03-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: OUT TECH, INC. (CO)

I called ahead to ensure pre-auth by my insurance for XXXX XXXX ( I had treatments onXX/XX/XXXX and XX/XX/XXXX ) and was told we had 40 visits each per year covered by insurance. 
XXXX XXXX XXXX  XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX ( XXXX ) XXXX Fax I got a bill from XXXX XXXX in XX/XX/2017 and contacted the clinic manager XXXX XXXX and XXXX XXXX XXXX repeatedly ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXand again in XX/XX/XXXX ) and they assured me it would NOT go to collections and they were confident insurance would cover. My last correspondence from XXXX XXXX was that my account was paid in full and not to worry ( XX/XX/XXXX). 

I then got a notice from the XXXX XXXX XXXX XXXXt ( debt collector ) for {$410.00} on XX/XX/XXXX( notice datedXX/XX/XXXX ) I have wasted endless hours calling and emailing and was reassured every single time. I have written notice from XXXX   XXXX  that they will NOT send to collections. 
There was a delay by insurance to cover it as it was submitted properly Here is the dispute letter I sent to the debt collector ( name and identifying info removed per your policy ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX PA XXXX Re acct XXXX Amount {$410.00} Dear Sir, I am responding to your contact about collecting a debt. You contacted me by mail on XX/XX/XXXX( date on letter wasXX/XX/XXXX ) and identified debt as {$410.00}. 
I do not have responsibility for the debt youre trying to collect. I have had written communication from XXXX XXXX XXXX ( XXXX XXXX and the clinic manager XXXX XXXX ) that this was covered by my insurance. 
If you forward this collection to another company, please indicate to them that it is disputed. If you report to a credit bureau, also report that the debt is disputed. 
Thank-you, Cc XXXXXXXX XXXX XXXX XXXX, fax ( XXXX ) XXXX
Consumer complaint received 2020-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2020 I sent a letter of inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress that you may have caused me. My information was also impacted by the XXXX data breachand may have got in the hands of the wrong person.
Consumer complaint received 2015-07-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

There are a bunch of items that are past the statue of limitations listed, these items were disputed and still listed and a bunch of duplication 's. 
XXXX assistance XXXX total, XXXX XXXX XXXX total, XXXX accounts through XXXX XXXX. Please help as this agency is not complying
Consumer complaint received 2016-10-11
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (IL)

I am disputing a debt form American Express that was transferred to the debt collection company of XXXX XXXX XXXX. I owed Amex an original debt of something like XXXX for annual usage fee. I do n't really use this card all that much so I wanted to pay off that balance and close the account. They said my best option was to use the points that I earned over time and convert that to $ $ $ pay off the balance and close the account. I said great, that is what I will do, please use my points to pay off the balance and close the account. I even had XXXX or something unused points left which amounted to like XXXX dollars that I simply was forfeiting to close the account. Well, months later I continue to get billed by Amex. I said I paid this balance and my account should be closed. The monthly Bills kept coming much to my surprise. When I called them and tried to explain the account should have been paid off, they said we are going to refer your account to collections. I guess they were serious. I once again called Amex to explain myself and even wanted to use those extra points that I had to pay off whatever was left, but they said my account is in collections and I have ZERO points. I tried explaining this to XXXX and they refuse to listen, and said if I do not pay, that the interest will keep accumulating. I offered a partial settlement to make it " go away '' and they refuse saying I need to pay entirely which is now {$260.00}. I feel this is completely unfair by XXXX and Amex when all I wanted to do was close my account on a card that is not useful to me. I tried to setttle, I tried to do pay it off, and no one wants to listen. All they want is MONEY MONEY MONEY. This debt was paid .... unfortunately, I do not really have any supporting documents ... ... The only thing that would PROVE MY CASE is listening to the conversation I had with AMEX that PROVES I used my points to pay off my debt and CLOSE my account. 
Thank you for taking the time to read my story.
Consumer complaint received 2016-11-16
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I have received XXXX emails regarding my XXXX payday loan. Each XXXX claims they have received a XXXX of XXXX on my wages XXXX untrue ). They also claim to be a XXXX. XXXX from the XXXX. 

1 ) They misspelled XXXX. 
2 ) They have not tried to contact me by phone or at work. 
3 ) They are claiming I have a warrant and will be arrested.
Consumer complaint received 2015-07-26
Product: Debt collection — Federal student loan
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Continental Services Group, Inc. d/b/a ConServe (PA)

Threaten and did garnish XXXX Check for a federal loan that was discharged through the Ombudsman Office, and XXXX loan that was charged back somehow, and was discharged because of hardship and XXXX since XXXX. Documents were sent as requested to Debt Collector and the XXXX XXXX XXXX. Collection Agency-Conserve harassed me even though I complied with the XXXX XXXX XXXX providing documentation, proof of bankruptcy of the loan, and again provided proof of XXXX as requested to XXXX and again to XXXX XXXX XXXX approximately 7 days ago. 

I was advised by the XXXX XXXX XXXX to ignore initial garnishing XXXX up to a year for their investigation including XXXX as I provided all documentation again to XXXX XXXX XXXX. The same month XXXX harass me and again I told them and notify XXXX XXXX XXXX that I was being harassed. 

My XXXX XXXX XXXX check was garnished off XXXX and sent a letter from the Dept of Treasury dated XXXX XXXX, XXXX, ConServe, XXXX XXXX, XXXX, XXXX XXXX in XXXX harassed me again, and I again indicated the XXXX Resolution told me they would directly correspond with me and it would take up to a year. Collector was rude, argumative and again I told her I provided all documentation necessary and was waiting for the XXXX XXXX XXXX to investigate and make a decision. There toll free number is XXXX. After the garnish I spoke to XXXX XXXX XXXX, Total @ XXXX XXXX, who indicated they would notify garnishing XXXX to stop up to XXXX while they requested yet again confirmation of XXXX, which I recently sent again. I became XXXX in XXXX, I attempted to go back to work after graduation in the year XXXX, but became ill in XXXX and work was not possible up to this date. Letters from my physician was sent to the XXXX XXXX XXXX and most recently again providing proof, in addition a letter from XXXX verifying being XXXX since XXXX. 

XXXX XXXX XXXX. ConServe XXXX
Consumer complaint received 2015-08-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Kinum, Inc., Indianapolis, IN Branch (PA)

Kinum collection agency ( specifically XXXX and XXXX ) somehow either bought or received illegally a list of debtors from our XXXX. They began an aggressive unauthorized collection campaign against the persons on the list, many of whom do not owe us any money. 
We called as soon as we realized what was happening and asked them to cease and desist all contact with all persons on their list. They continued to illegally contact, harass, and attempt to collect monies for over a week beyond our cease and desist. This included calling these people repeatedly through an autodialing network and through the U.S. mail. This company needs to be brought to task for severe violation of several laws of the fair debt collection act.
Consumer complaint received 2022-02-14
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: EQUIFAX, INC. (TX)

On XXXX XXXX I asked for Equifax 's method of verification on XXXX bankruptcies that they are reporting on my credit report. Equifax responded on XXXX XXXX that the bankruptcies were verified thought XXXX a third party vendor and that the bankruptcies would remain on my credit report unless I had additional information ( Please see Equifax 's verified response report ). I reached out to XXXX and they stated that the bankruptcies were removed from their consumer report back in XX/XX/2021 after a reinvestigation. So, this clearly proves that Equifax did not verify these bankruptcies which is a violation of my FCRA rights. Secondly, Equifax asked me to send them additional information that would prove that these bankruptcies are being reported fraudulently on my credit report. I have attached the letter from XXXX as additional information.
Consumer complaint received 2016-09-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have filed many disputes with both XXXX and Transunion and they both have said they have verified my dispute with my bankruptcy. They have not sent any proof to me bearing my signature and stating they have verified it. By law they have to remove it from my credit report if they ca n't provide proof with my signature on it
Consumer complaint received 2016-10-04
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TRANSWORLD SYSTEMS INC (TX)

Received a bill in my minor sons ( XXXXyears old ) name from a debt collector. The company is Transworld Systems Inc XXXX, PA, referring creditor was XXXX XXXX XXXX XXXX Tx. I called Transworld upon receiving letter and was told by XXXX that she would just document that the child was XXXX but he still had to pay the debt. I spoke with a supervisor at that point. The supervisor XXXX informed that XXXX XXXX provided that my son was the responsible party for the bill, even though they have his date of birth on file.
Consumer complaint received 2016-08-16
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A. (NY)

I am putting in for a HARP loan to CitiMortgage. The reason I need this is because I lost my job and will be unable to make my current mortgage payments. I was sent the paperwork for making homes affordable. I faxed over the application and the requested documents at least four times and my contact from CitiMortgage XXXX XXXX keeps on claiming they never received any of these faxes!!
Consumer complaint received 2017-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (OK)

Chase Cr edit Card is posting a total statement balance to include charges that are not yet posted to my statement. Exampl e : Let 's say last month I had a balance of {$95.00}. I paid the credit card company {$50.00}. The next month I have a balance of {$3700.00}. I know that I bought one plane ticket, but the charge for this is not shown on my statement. I just have the {$3700.00} total. Nothing is displayed for the charges. Certainly anything that is posted does not sum to equal {$3700.00} ( obviously, in one month I do n't have enough interest to have such a balance ) You can see how this type of billing  could cause confusion for a customer. How can I keep up with if my bill is correct without seeing which charges have posted?
Consumer complaint received 2022-09-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

Brought a XXXX  ( XXXXXXXX XXXX XXXX XXXXXXXX ) from XXXX on XX/XX/XXXX using XXXX XXXX company " Capital One Auto Finance '', we received the XXXX  XX/XX/XXXXXXXX XXXX XXXXXXXX and have had possession of it ever since but we have no title. 
We pay {$610.00} every month to Capitol One Auto Finance and still have never received the title in order to legally tag ' the XXXX so we CAN NOT drive it!! 

We have filed as many complaints against XXXX as we can ; filed with the TXAG, Consumer reports and TXDMV and it is now XX/XX/XXXX ( almost 1yr later ) and still no title. 

After an investigation performed by the TXDMV -Enforcement Division- it was revealed that evidence of violations related to the laws/rules they regulate were observed. My complaint to them has said to have been forwarded to the attorney assigned to this case and he will make the final determination on what disciplinary actions-if any- will be taken. 
Weve never received any communications from any lawyer nor anyone else in this matter and we still have no XXXX title. 
We have had to hire an attorney at XXXX XXXXXXXX to work on this but he's not come up with anything yet either. 

On XX/XX/XXXX TX DMV told me the title was now in XXXX and a new title was issued for the XXXX in XXXX on XX/XX/XXXX! 

Can someone please help us -- this is our XXXX XXXX, weve installed a hay-bale bed on this XXXX  ( so we can not return it ) and we need to feed our cattle hay and drive it legally!
Consumer complaint received 2022-02-14
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. (TX)

I have reviewed my credit report and I do not recognize nor did I authorize the following Inquiries listed below! 
XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX TX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion HMF - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Used XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  Miscellaneous XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXXXXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2021-01-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (IL)

XXXX XXXX ( NMLS # XXXX ) representing US Bank provided a clear to close for the buyer of our townhome on XX/XX/XXXX for a scheduled closing date of XX/XX/XXXX. The day before closing, on XX/XX/XXXX at XXXX XXXX, XXXX admitted that a final Closing Disclosure was never issued to his borrower. As a result, closing would need to be delayed by three days. 

As we were also closing on the purchase of our new home on the same day, our closing had to be delayed as well. We suffered numerous expenses including moving truck expenses, housing, meals, personal days from work, and distress to a new mother. COVID-19 exasperated these issues. 

On XX/XX/XXXX, we sent XXXX and US Bank a letter detailing their negligence, and seeking a resolution. There was no response. On XX/XX/XXXX I called XXXX/US Bank to follow up and received no response. On XX/XX/XXXX I emailed XXXX/US Bank to follow up and received the response that there was no resolution available.
Consumer complaint received 2017-05-24
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (OK)

I applied  for two Tuition Answer loan s with  XXXX   XXXX  in  XXXX  and  XXXX . I filled out the applications as the student and main borrower of the loans. I asked my father to co-sign. A few years after receiving the loans I called to have the co-signer removed from the account. i was told that I myself was the co-signer and my father was the student/borrower. I informed them no that we filled out the applications as myself as the student and main borrower. The stated that my father was placed as the main borrower because his  credit score was better and if they would not have done that then we would not have gotten the loan. They stated that there was no way to switch it now. There is also no way to removed my father from the loan ever because he was the student. He never attended school and never was the main borrower. We have tried to have it switched and it is impossible. My father will always be stuck with this loan, because they lied and did something we wished never to have done. If my credit was no good enough for the loan they should have denied me and not went behind our backs to saddle us with a loan. We was promised that we could removed my father from the loan   within four years  from disbursement. Now we will never be able to do this because the lied and put him as the student borrower.
Consumer complaint received 2017-01-12
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (VT)

I have spoken to Pioneer collections twice since XXXX 2016 yet they have been continually called my family members, friends and past employers to gain my contact info. I own my own business and to have them call people who I 've worked with is hurting my future business.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.