davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC (OH)

This number have been calling my phone atleast 5 times in one day for the past week now. When I answer the phone no one says anything they just hangs up. This is harrassment and I wish they would stop calling me. I do not know of any debt owed to this company as I am up to date on everyone I owe. they have not sent me any correspondence in the mail about a debt nor have they left any messages. they constantly calls me without saying anything when i answer the phone.
Consumer complaint received 2019-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

TRANSUNION shows I have a collection on my credit report. The debt collection company is XXXX XXXX XXXX ( original creditor is XXXX XXXX XXXX ) in the amount of {$590.00}. 

The account was PAID IN FULL on XX/XX/2019. The amount paid was {$590.00} and the confirmation number received for the payment is XXXX. 

A dispute was filed with with Transunion via XXXX XXXX on XX/XX/2019 in an attempt to correct the erroneous credit report information. The File Identification Number for the dispute is XXXX. 

As of XX/XX/2019, Transunion has not yet responded to the dispute.
Consumer complaint received 2019-11-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc. (MI)

My son received XXXX from XXXX XXXX XXXX XXXX. My health insurance did not cover the XXXX which left me underinsured. The XXXX program through the CDC pays for the XXXX of the under or uninsured which was my issue. I no longer have a bill because of that but this company has placed this debt on my credit report although I owe no bill to XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-05-26
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. (GA)

I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT. THERE WERE ACCOUNTS AND INQUIRIES THAT DO NOT BELONG TO ME. THESE FRAUDULENT ACCOUNTS ARE CAUSING ME UNNECESSARY HARDSHIP. PLEASE INVESTIGATE THESE ACCOUNTS AND SEND ME AN UPDATED COPY.
Consumer complaint received 2021-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/2021, my Bank of America credit card had 2 fraudulent transactions from XXXX XXXX worth {$660.00} and from XXXX XXXX {$430.00}. I quickly noticed these and reported them to my bank. 

During that day, I was working from home in my apartment and my roommate can attest to this as a witness. I could also verify this from computer logs. In addition, the physical card was in my wallet the entire time. 

Although Bank of America initially credited the account for them, they quickly reversed it after only looking at one piece of information : that it was chip-based.

They never contacted me to ask for any evidence I could show to prove that it was not me. They never contacted the merchant to ask for receipts or video evidence. 
When I called to dispute, they mentioned the XXXX was completely on me to file a police report, contact the merchants, and try to gather evidence and physically mail it to them. 
They didn't ask me any further questions. 

The fact that they only looked at ONE piece of information and resolved it against their customer WITHOUT ever contacting them is frustrating to say the least. It causes tremendous physical and psychological stress to be the sole person responsible to gather all the evidence needed to prove my innocence. Despite the bank having a " no fraud liability '', they did not attempt to help their customer at all. This is wholly unacceptable.

Just simply contacting one of the merchants revealed purchases made for a giant battery and a chain saw which are clearly suspicious and of no use to me since I do NOT have a yard and currently live in the city.
Consumer complaint received 2018-04-06
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

XX/XX/2018 Wells Fargo Mortgage XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MN XXXX Originator of 1st lien amount of lien {$84000.00} # RE : XXXX XXXX and XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX Texas XXXX lien amount {$20000.00} RE : # XXXX   XXXX The following active complaint includes both parties above mentioned and describes current violations of consistent inaccuracy and fabricated inflated amounts as to recent and previous liens attached againts my property are disputed and my documented complaint is found herein : A ) Both liens contain, include inaccurate overcharged amounts in comparison and against the validity or as to the true amounts causing the lien documents to be falsified and deemed invalid because it directly violates The Fair Credit Reporting Act, 15 U.S.C. 1681 ( FCRA ) is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required Section 477A Penal Code underlines the ingredients and contents of falsification of documents. The scope of this section develop two offences i.e. [ 1 ] falsifying of accounts and [ 2 ] making or abetting the making of false entry, or omitting, or altering, or abetting the omission or alteration of any entry. 

B ) The lien claims filed by Wells Fargo and XXXX are PROBLEMATIC, DEFECTIVE, EXAGGERATED with inflated charged amounts and unverifed fraudulent and hidden cost added with inadequate calculations which directly affects, hinders the validity and soundness of the lien causing a direct violation in reliance and compliance to 8 U.S. Code 1324c - Penalties for document fraud US Code Notes Authorities ( CFR ) ( a ) Activities prohibited It is unlawful for any person or entity knowingly ( 1 ) to forge, counterfeit, alter, or falsely make any document for the purpose of satisfying a requirement of this chapter or to obtain a benefit under this chapter, Please consider that your liens clearly are without merrit and also violate Federal and legal legislative rules and regulations and are not limited to prevent other Government agencys who can penalize, nullify and disrupt your delegated unacceptable, inappropriate actions. It is a known fact of evidence that all unfair, unjust, unreasonable dealings can be used against you. I would strongly recommend and advise that you release both liens without further prejudice. 

Sincerely : XXXX XXXX XXXX C/O Request for the CFPB to share my documented concerns with The Attorney General the FDIC and all parties who may have direct interest of jurisdiction to invite Justice.
Consumer complaint received 2023-01-29
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: OneMain Finance Corporation (LA)

To whom it may concern : I received a copy of my XXXX credit report, and I noticed some late payments on my credit report XXXX ONEMAIN XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 U.S.C. 1681 ( b ) permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term consumer report does not include- ( a ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report of ALL listed accounts this agency is in violation of 15 U.S.C. 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 U.S.C. 1692g violations 4. Fair Credit Reporting Act 15 U.S.C. 1681 violations for willful noncompliance - 616 Civil Liability for willful noncompliance 15 U.S.C. 1681 ( n ) Best Regards, Isiah Guiden Enclosed : copy of ID and Utility Bill showing proof of address.
Consumer complaint received 2021-11-18
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: Army and Air Force Exchange Service (GA)

I have sent debt validation letters and dispute letters to Military Star Card in regards to a debt of {$990.00}. The Last reporting date and Last date active are inaccurate. I have sent letters on XX/XX/2021 and XX/XX/2021. According to 15 U.S. Code 1679c. A consumer has the right to dispute any inaccurate information found on their credit report. This is having an affect on my report.
Consumer complaint received 2020-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transunion will not provide me my credit score without paying a fee. This is egregious since they make money from my financial information and should provide to me my information for free at any time.
Consumer complaint received 2020-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (CA)

In XXXX of 2018 Honda Financial services reported my account as a late payment for the amount of XXXX $ which negatively impacted my credit rating severely I reached out to them many times and was never given a proper solution or fix to my issue I was told I can go as much as 30 days out from payment due date before they report it to the 3 credit bureaus I had made my payment only a few days out from due date and was marked as late on my credit report this institution has a record of reporting customers accounts inaccurately and Im here to challenge and fix my error that is mistaken
Consumer complaint received 2020-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I was going over my credit report. XX/XX/2020. I've filed several complaints and fraud alerts with equifax and an Identity theft report with the FTC about this Fraudulent activity that has occurred. I also recently went to open a business account with XXXX XXXX  and a profile was started already with the number XXXX attached to the profile. This is not my number and this was not my account that was in there system. They also mentioned some charge off accounts pulled from lexis nexus that I have never heard of. Ask I for proof of authentication and they have yet to provide any. 

My name Is XXXX XXXX. 
XXXX XXXX XXXX XXXX. 

These are addresses that are associated with my credit profile but I never lived there. Nor Has me or any of my relatives. Fraudulent accounts. Attached. 

XXXX XXXX XXXX XXXX, FL XXXX Address ID # XXXX ( XXXX  XXXX. Account Number XXXX ) Credit card. Not My Account. 
Please Remove. 

XXXX XXXX XXXX XXXX, WI XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX, OH XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX, OH XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX, OH XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX, OH XXXX Address ID # XXXX Single family The adresses as mentioned above are not mine. please remove from my profile as well as any other misinformation attched to these adresses. 

Police reports have been filed as well locally in XXXX ohio. about these matters there of. 

Section 621 ( a ) ( 2 ) ( duty to correct and update information ) for knowing violations of the Act, the per violation penalty will increase from {$3500.00} to {$3700.00}.
Consumer complaint received 2018-02-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

The company XXXX XXXX XXXX XXXX, is attempting to collect on a alleged debt. Please be advised that I have no debt obligations with this company. I have disputed this alleged debt with the 3 credit bureau 's XXXX, XXXX, and XXXX. I have also requested the company provide account level documentation concerning the alleged debt accounts. The company has not provided me with the requested documentation. The company Portfolio Recovery also never provided me with any notice of this alleged debt prior to reporting negative information on my credit file. This company has had an CFPB consent order put out on them for various violations of the fair debt reporting act. I would like for these accounts to be removed from my credit file immediately for lack of debt verification and also on the grounds of the accounts not being mine. I have not debt obligations with the said company. These accounts have caused an hardship in me and my family 's life.
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I Have Payed Off Full Account Balance With Original Creditor. XXXX XXXX & They Just Posted Yesterday That I Owe {$81.00} To XXXX XXXX On My Credit Report Which Is False Information.
Consumer complaint received 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.
Consumer complaint received 2020-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MA)

On XX/XX/XXXX I paid an extra {$2000.00} specifically to principal on the Nationstar /Mr. Cooper website yet the company chose to apply that XXXX it instead to interest and principal for a future month and only a small remaining amount to prinicpal. My online confirmation for the transaction that clear shows {$2000.00} was for principal. I was able call and ask to have the payment applied to principal, but i was able to find out that I did everything right and they could not explain how this " error '' occurred. I believe this was actually a company practice in an attempt to perpetrate a fraud on unwitting customers.
Consumer complaint received 2023-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER HOLDINGS USA, INC. (CT)

On XX/XX/XXXX I deposited a check from the Treasury Department for {$9900.00}. On XX/XX/XXXX at XXXX the funds were available in the account. Since they were available I made a XXXX payment to XXXX XXXX to pay for a XXXX I am having for {$2000.00}. Before the check I deposited my balance was around {$1400.00}. At XXXX the bank put a XXXX alert on the check I deposited withdrawing the {$9900.00} from my account. Because of the XXXX payment I had made in the morning the account got overdraft for {$550.00} and change. I called them, I went to the branch and they said there is nothing they could do despite that they were able to verify that I work for the Federal Government and that the money was a loan from my XXXX retirement fund. They said that the hold could last between 1 day to 8 days without any warranty. They left me with absolutely no money to live until my next paycheck on XX/XX/XXXX because of what they did. They do not take responsibility of what they did. Till today they money isnt available. I had to borrow money from a friend until this is resolved if its ever resolved. I havent been able to pay for my XXXX with the loan I took for it and Im at risk of having my XXXX canceled and loose the flight and hotel reservation because of this unfair hold placed on my money.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

UNVERIFIED ACCOUNT. Per CRSA enacted, CDIA implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

In the last three montha I have paid XXXX dollars in credit card debt, and closed another account with nothing owed on it. The first month it went up 30 points but not since then. Ive continued to pay more then the lowest amounts on my credit cards, all my accounts are on time and my score has not move beside down 2-3 points.I am absolutely doing everything that I was advised to do by this site as well as credit advisors, there is nothing left that I can do to increase my score but yet its not increasing if possible please be some assistance. Ive contacted all three credit report agencies with no assistance as the out come.
Consumer complaint received 2024-02-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (PA)

I have asked Mohela ( per my last complaint filed with the CFPB in XX/XX/XXXX ( closed case XXXX ) : I am still having the same exact issues- they have not given me an explanation for why these time periods are not being counted. I have asked for forbearance until they sort it out, and they failed to respond to that request. See my previous complaint - everything still applies, except now it's going on 2 years, I am required to make payments that are UNJUST, and they continue to brush me off and not answer my questions. They are not counting payments from XXXX XXXX XXXX and XXXX XXXX XXXX. I have documentation of those payments made. This is agonizing and no one has paid attention in the 2years I have been in this loop. It's causing stress and XXXX because of their complete inaccuracies and incompetencies to handle this situation.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See documents attached.
Consumer complaint received 2024-02-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (FL)

I have all the loans and the interest rates when i took them out during school Mohela did not allow me to see the new interest rates during covid and now that we are back in repayment, they changed the interest rates by a significant amount. 

I tried contacting and talking to someone but they " don't have that information '' My loans are now in repayment and now one seems to understand what to do
Consumer complaint received 2023-02-08
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: EQUIFAX, INC. (IL)

I sent a letter on XX/XX/2023 to remove these accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/2023. Ive already included this in my previous Complaint & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$290.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$3100.00}.
Consumer complaint received 2016-11-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (MD)

I applied for autopay on XXXX/XXXX/16 with Navient for my XXXX loan. Despite the fact they have all the information from previous manual payments, they rejected my application ( thereby continuing to charge me an extra .25 % interest ). I called XXXX/XXXX/16 to complain about my manual payment pushing autopay back to XXXX/XXXX/16. After 20 minutes on hold, I was told my due date would be XXXX/XXXX/16, and autopay would apply for that date. I did not get the customer service person 's name. After that call, I received a letter rejecting my autopay dated XXXX/XXXX/16. Today, after seeing the letter, I called and spoke to XXXX in customer service, who told me he does n't know why my autopay did not go through. He suggested an error in the routing number, or names on the account, both of which were correct on the application, but he thought the new application, with the exact same information would. I have no faith, and I want a refund for the extra interest I 'm paying due to their screwup. I also believe this process should not take 10 days, with no confirmation and no way of checking the progress via the website. It 's ludicrous.