davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-24
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: CITIBANK, N.A. (TX)

XXXX 2016 I have a hard inquiry on my credit report from CBNA. I had not authorized an inquiry, requested credit limit increase or any such action on my accounts.
Consumer complaint received 2019-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

The company first collect has me in collections for some dates I was never seen on and the others, I have insurance. I have been on SSI for over 15 years which automatically gives me insurance coverage ( Medicaid and or medicare ) I called the collection agency XXXX XXXX who is the collection agency for XXXX XXXX. They claimed at first I had no coverage and then said they had the wrong date of birth. I was also told that I would receive a call back in reference to this matter which I never did. I am also aware that because I have Medicaid I should never been billed
Consumer complaint received 2018-01-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (LA)

I applied for a loan on XX/XX/XXXXand got approved for the loan and after I check my email the company keep sending me a notification about my payment coming due on XX/XX/XXXX, so I make arrangements to pay a half of the loan which I got approved for {$250.00} and I paid {$100.00} on theXX/XX/XXXX so the new year comes around and I get another notification in my email on XX/XX/XXXX saying I have a payment coming due and I just paid {$100.00} on the XX/XX/XXXXit has not been thirty days for me to pay the remaining balance instead I applied for a extension until I get paid the follow month so I got approved for the extension but in the meantime they charged me {$100.00} for me to extend my extension until the next month but they did not tell me that they charge for an extension they just put it on the account at the last minute saying I knew it at beginning of the contract when I did n't not know so if they keep charging for a extension I would end up paying more than what I borrowed.
Consumer complaint received 2018-01-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc (LA)

Dear Ad Astra, I am in receipt of the letter you sent to collect a debt from me, I am for certain that i do not owe your company any money. For starters, I have never done business with you. in Fact, I have never heard of your company until having received this letter in the mail. What i find strange is your attempt to settle the debt with me when i do n't owe you any money in the first place! Why would i settle on something i do n't even know?! Seriously informing that i have a debt when i never signed a contract with you and you do n't have my signature nor my drivers license for a contract stating Im liable ... .Again, I do n't owe you any money!! ' With all that being said, Please See this letter as me disputing this alleged debt with your company as well as requesting debt validation. Please send me a legal binding contract and agreement that legally binds me to owing your company!! I have been disputing this debt with your company hence you have never supplied legal supporting documents, this is my last and final time to ask you for correct validation. 

thirty days should be more than enough time for you to send me legal supporting supporting documents bearing that I 've done business with you, Hence owing your company, i also have attached my attorney on here as well for your response. 

Regards, XXXX XXXX CC Attorney XXXX XXXX
Consumer complaint received 2018-01-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (PA)

My health insurance was billed for XXXX XXXX  in XX/XX/2016. The insurance company did not pay for the XXXX XXXX although they should have covered the costs. The lab billed me directly for the work ( {$72.00} ) but did not send me any notice.
Consumer complaint received 2018-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: NAVY FEDERAL CREDIT UNION (GA)

NavyFCU offers cardholders fraudulent promotions wherein only those transactions in excess of a certain amount are subject to a promotional 0 % APR -- say, either {$500.00} or {$1000.00} for 6 or 12 months, respectively -- but fails to specify in the terms of the offers that these promotions create a situation whereby the only way to avoid paying interest on any purchases not subject to the promotions is to pay the balance in full, including any portion of the balance subject to the promotional 0 % APR. I made 4 transactions total on my NavyFCU credit card within the past 2 months, only 2 of which were not subject to a 0 % promotional APR. Despite making payments by the due date which were in excess of those 2 purchases each month, I still wound paying interest on those purchases. I have been informed today by " XXXX '' that the only way I could have avoided paying interest on those purchases was to pay the balance in full, including that portion subject to the promotional 0 % APR, rendering the promotions fraudulent.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In accordance with the Fair Credit Reporting Act, XXXX, XXXX and Transunion and the list of accounts provided in attachments, have violated my consumer rights to privacy and confidentiality under 15 USC 1681. I the consumer has not given authorization, to furnish any private information. 15 USC 1681 ( FCRA Section 602 ) states that I have a right to privacy. Furthermore, 15 USC 1681, section 604 A, subsection 2, explicitly states that a consumer reporting agency can not disclose an account without my explicit written instructions. Additionally, as per 15 USC 1681c. ( a ) ( 5 ), it is explicitly prohibited for any consumer reporting agency to include specific types of adverse information in a consumer report, particularly information predating the report by more than seven years, excluding records of crime convictions. In accordance with 15 USC 1681s-2 ( a ) ( 1 ), it is impermissible to provide any information to a consumer reporting agency if there is knowledge or reasonable cause to believe that the information is inaccurate. XXXX, XXXX and Transunion ( Credit Reporting Agencies ) Have allowed several inquiries sharing my private information. Submitted with this complaint are the communications to the Credit Reporting Agencies opting out of any authority that may have been given. I have also included the reports from all XXXX agencies with inaccuracies and unpermitted inquiries. I have called all XXXX agencies and disputed inaccuracies and to have private information removed. The result of these issues has made it difficult to provide happiness for my family due to denial of goods and services due to unfair consumer reporting.
Consumer complaint received 2017-04-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

Equifax is reporting a tax lien on my credit report from XX/XX/XXXX that was included in my bankruptcy that was filed XX/XX/XXXX and discharged XX/XX/XXXX ( reference # XXXX ). I am no longer responsible for this debt and it has been removed from public record ; however, Equifax refuses to remove this erroneous item from my credit report.
Consumer complaint received 2018-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC (CA)

I receive daily multiple calls from this company and I have tried to tell them I am on the DO NOT CALL list. I keep asking they put me on their do not call list. Yet I still keep getting calls claiming I have something outstanding with them and they can help repair my credit. I want them to remove my number from their call list FOREVER and never to call me again. First they state they are with Helping hands and then they state they are with XXXX XXXX XXXX.
Consumer complaint received 2018-01-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (DC)

I was called by cbe asking for the last 4 digits of my social security number to confirm I am me so that they could discuss some debt. The repeated the last 4 digits of some social security number and wouldnt say who they were until the 6 time asking. The auto-generated number they used was ( XXXX ) XXXX
Consumer complaint received 2017-04-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Diversified Consultants, Inc. (OH)

ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. 
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a timeframe for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as : DIVERSIFIED CONSULTANTS Account number XXXX
Consumer complaint received 2018-01-24
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NV)

Loan Numbers : XXXX, and XXXX. 

After retiring in XX/XX/XXXX, we ( XXXX and XXXX XXXX ) received information from our lender ; OCWEN Loan Servicing, LLC ; about the HARP Program. After months of processing ( from XX/XX/XXXX ), an agreement was made and we proceeded as follows : XX/XX/XXXX/XX/XX/XXXX ; finalized new Loan Terms XX/XX/XXXX XX/XX/XXXX ;  made agreed to four month payment plan XX/XX/XXXX ; commenced new HARP Loan payments ( continues to present ) XX/XX/XXXX ; noticed 2nd Trust Loan ( XXXX ) not consolidated as agreed XX/XX/XXXX ; received letter confirming 2nd ( Loan ) paid in full ; during prior agreements in XX/XX/XXXX XX/XX/XXXX ; received a request for payment from new creditor ( XXXX XXXX XXXX XXXX ) We contacted OCWEN Loan Servicing, LLC ; they indicated we would have to discuss with XXXX XXXX XXXX XXXX We contacted them and their position is we owe them the value of the original 2nd Loan. WE then discovered that they are a wholly owned subsidiary of OCWEN. We told them we have a letter stating the Loan was satisfied ; their position is it was only transferred to them. They have harassed us for payment ever sense. We do not know what we can do and the harassment is becoming very unsettling.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Per 15 U.S. code 1681b XXXXXXXX XXXX XXXX  used and reported my credit without my signature and I would like it removed off my credit along with all the negative marks that came with it.
Consumer complaint received 2017-04-16
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY (MA)

NOTE : This is not a new complaint, I simply wish to amend my response to an existing complaint ( XXXX ), but there does n't seem to be a facility to do so online. 

Anyway, in addition to the fact that I was not notified of the rate increase on my credit card account, I would like to note that when I did eventually notice the increase ( after almost a year ) and inquired about it, the rate was immediately changed back to the regular rate. While on one hand that is obviously a positive thing for the consumer, it goes to show that American Express 's strategy to maximize revenue is to charge a huge rate, *until the customer notices it*. This strategy is consistent with them not being motivated to notify the customer of the rate interest in the first place ; it is obviously not in their best interests.
Consumer complaint received 2018-06-05
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. (OH)

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX Account XXXX. Original Creditor : XXXX XXXX XXXX XXXX. amount {$380.00}.

XXXX XXXX  Hospital in XXXX, XXXX sent a bill addressed to XXXX XXXX to my home address in XX/XX/XXXX. I immediately took the bill to their Med Rec Dept and was told another person 's account was linked to mine and I was assured it was fixed. After speaking with the dept. and researching records myself, the account belongs to a XXXX XXXX XXXX of XXXX XXXX XXXX XXXX   XXXX, XXXX. The collections appeared on my credit report XX/XX/XXXX. I contacted XXXX  at the number above and filed the dispute with XXXX on XX/XX/XXXX. I confirmed my last name has never been XXXX and I have never lived in XXXX Public records and my credit report demonstrates this. XXXX  said the XXXX  Policy for the patient is XXXX, policy holder is XXXX XXXX. She said she would file the dispute yet the collection remains active on my credit report. To make matters worse, the hospital closed 2 years ago so I can not get help from them on this matter.
Consumer complaint received 2021-02-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TICE ASSOCIATES INC (NY)

i went to XXXX XXXXXXXX to get a XXXX XXXXwhen i signed in i asked the woman if i was in network and she said i was.i then saw XXXX XXXXXXXX.he only talked to me and then sent me to someone else to do the test.when i came to the front desk they told me i am out of network and wanted XXXX  dollars instead of XXXX.i told them i did not have XXXX but insisted on XXXXwhen i called for the appointment i asked how much and they said XXXXwhen i got there they said XXXX.after i saw XXXX  who did absolutly nothing they want XXXX dollars.so i li feel i owe nothing after blatenly lied to left the office without getting my XXXX XXXX.i feel i owe nothing considering what happened.
Consumer complaint received 2018-01-23
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. (LA)

When I log on to my Transunion account and try to do a dispute on some accounts on there, when I go to submit the dispute it says the items im trying to dispute are n't on my credit report. I am unsure of what 's going on because if its not on my report then why am I seeing it.
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Requested a copy of a signed credit card agreement to Capital One, regarding a debt they said I paid late. Such false information is being reported on my credit report. 

I demanded a copy of the agreement and they sent me a letter stating that they did not have any written agreement but continue to report false information.
Consumer complaint received 2021-04-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (FL)

This is ridiculous I paid this not even knowing if it was a bill I owed because it was reported on my credit and it still reports as if I owe. I have disputed and it is still on there. Please help get this account removed Phoenix Financial # XXXX
Consumer complaint received 2019-10-21
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Millennial Home Lending, Inc (OR)

I received a letter from Millennial Home Lending that was deceptively suggesting that they were affiliated with FHA. Only in the fine print does the letter reveal that it's actually from Millennial Home Lending. The letter is an attempt to have me call their " FHA Loan Service Center '' number at XXXX with my " eligibility number '' to find out how I can get a " tax free '' cash-out refinance for " {$25000.00} or more. '' I believe this letter is a UDAAP violation.
Consumer complaint received 2017-04-21
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (GA)

I purchase  XXXX   XXXX   XXXX  from  XXXX  on  XX/XX/XXXX . I agreed to pay {$540.00} for 72 months. which is 6 years which should be paid in full  XX/XX/XXXX . My balance with  Santander Consumer USA  is  XXXX . This Company has taken every payment that i have made and applied the total payment to Interest only and the loan is continue to accrue interest this has to be illegal a violation of the truth in lending act. They have report false information to credit reporting agencies. My credit report show that i have made a total o f 52  payment {$23000.00} and i still have a balance of  XXXX . My loan balance should be {$2800.00}. Please see attached documents.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.
Consumer complaint received 2017-04-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (MA)

XXXX XXXX therapy is trying to collect {$40.00} as a co-pay for the days I did not seek their services. I have called the XXXX facility in XXXX MA to clear the matter twice and was told both times that the charge was an error due to rescheduling conflict. However, I kept getting bills from XXXX. Recently I received a letter from Transworld systems inc about debt collection. 
I was a poor tactic from XXXX to forward this to the debt collector, while their XXXX MA branch kept telling me that the issue is resolved.
Consumer complaint received 2018-06-05
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. (WA)

On my account through XXXX XXXX XXXX there is record of payments being made from XX/XX/XXXX on time every month through XX/XX/XXXX. On my credit report it continues to state that I have not made a payment. I have asked them to fix this and they are saying its past due which is not the case per the record of payments posted on my account summary on their website.
Consumer complaint received 2016-12-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (DC)

Today is XX/XX/XXXX. I have a payment due tomorrow, XX/XX/XXXX, which is a XXXX. 
I am attempting to pay right now, but " FedLoan Servicing, '' some kind of Dept of Education contractor I think, will not allow me to make a payment on the weekend. This is absurd. The payment is being made online, so they should allow it, but they do n't allow users to select a date that is a weekend. 
How can they make the due date fall on a weekend, but then not allow someone to make a payment on the day that it is due? I am probably going to get hit with fees, etc, because the website literally wo n't let me make a payment. It 's a website. This is 2016. They made the payment due on a weekend, so they should accept payments on the weekend. 

Additional Details : The website requires that select a date that the payment will go through on. But all the dates that happen to fall on a weekend are " grayed '' out. You ca n't select them. They also do n't allow payments to made with debit cards.
Consumer complaint received 2019-03-06
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. (MO)

I have a U.S Bankruptcy Court that is reporting on my credit report. I have reached out to all 3 Credit Bureaus on XX/XX/18, XX/XX/18 and XX/XX/2018. Per the FCRA 623 ( a ) ( 5 ) " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer file. XXXX has yet to provide me with copies of all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. Also when asking how they are getting the information. I receive a response that they are getting the information from XXXX XXXX. When I contacted XXXX XXXX they stated that they got the information from XXXX. I am getting furious with going back and forth between XXXX  and XXXX XXXX. This inaccurate information is hindering me from getting a home loan. 

Under the FCRA, section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and or judgement all accounts ad public records hat you post o anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.