davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-11
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the accounts listed below : XXXX XXXX Late Dates XXXX, XXXX XXXX XXXX Late Dates XXXX
Consumer complaint received 2021-07-05
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: Experian Information Solutions Inc. (MN)

I did a credit check using my credit monitoring service and realized there are inquiries on my credit report that I did not authorize. I would like your agency to assist in getting this removed from my credit report immediately. These accounts are reported as listed here, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX.
Consumer complaint received 2021-07-05
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. (MN)

I did a credit check using my credit monitoring service and realized there are inquiries on my credit report that I did not authorize. I would like your agency to assist in getting this removed from my credit report immediately. These accounts are reported as listed here, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX.
Consumer complaint received 2017-10-06
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC (PA)

I contacted them on various occasions with out getting any results, I wrote and sent certified latter to them on XX/XX/XXXX and XX/XX/XXXX with out getting any results. They are claiming that I have a delinquent account with them witch is not true, the contract sent by them do not have my signature.
Consumer complaint received 2021-07-05
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. (TX)

I sent out a request to open an investigation to Equifax on XX/XX/2021 but never got a response. I then sent out a failure to respond letter on XX/XX/2021 and still got no response. Sent out a final letter on XX/XX/2021 and they finally responded on XX/XX/2021 but just updated everything. To my understanding they only have 30 business days to respond to my investigation and they failed to do so.
Consumer complaint received 2021-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (GA)

I am XXXX XXXX military, I was XXXX overseas on military orders. I completed my XXXX and provided orders in order to terminate contract and avoid debt. An early termination fee was applied to outstanding bill ( bill that generated after I provided proof of orders for termination ). This debt is originated in XXXX, the Statute of Limitations in XXXX is 3 years for this type of debt. I received confirmation of installment cancellation through the originating creditor in XXXX of XXXX. I later received notification of debt collection on my Credit Report in XXXX of XXXX. This debt is no longer pursuable in accordance with the original creditors laws and their XXXX.
Consumer complaint received 2017-10-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OR)

I sent a dispute letter on XXXX/XXXX/XXXX, complaining about a wrong tax lien that was posted in my account. As of today, I still did not receive the results of the investigation and the negative item is still in my report. Equifax has been very unprofessional about this and they breaking FCRA laws " 609 - 15 U.S.C. 1681g '' and " 611 - 15 U.S.C. 1681i ''.
They insist that the item was verified without never doing any verification and the refuse to answer my question about the method of verification used as required by 611 - 15 U.S.C. 1681i paragraph ( 7 ) and paragraph ( 6 ) ( B ) ( iii ). They are breaking the law. Especially now with the new laws that went into effect on XXXX/XXXX/XXXX specifically about tax liens and other civil judgments.
Consumer complaint received 2017-10-06
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. (CO)

In XXXX XXXX I ordered 2 phones on XXXX as a brand new customer. i chose to pick this up in store. When I got there they said they could not process my online order due to a store error and created a new order for me and got me my phones. They said the other order would be cancelled. It was not. two days later fedex showed up with 4 phones with XXXX. I refused delivery and they were sent back. I went to XXXX store twice and asked them to make sure that they cancelled the other account and they said yes they did. 

On XXXX/XXXX/XXXX I went in to upgrade my phone and was told I did not have the credit to upgrade even though I am a current customer. Turns out they sent the first account that I refused over to collection. I called them and they admitted fault and said that they did receive the phones back. The rep, XXXX said this was the craziest thing they had ever seen. 

They reported this to my credit and took over XXXX points from my credit. Im losing contracts and business because my credit looks like I wo n't pay my bills. Per XXXX XXXX XXXX advice, I called back today ( we spent hours the day before dealing with this ) and asked them what they were going to do to make me whole and fix my credit. 

They were extremely aloof and said they had no supervisor to speak to. Would not help me. I tweeted customer service begging for help. As of now, no answer. They wo n't fix my credit or address getting this resolved.
Consumer complaint received 2021-09-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I did not sign a contract for the and or give permission for the third part debt collector to contact me nor have my personal Information. ( No one is allowed to have or purchase your information without your consent. This is an infringement upon a consumer 's right to privacy.
Consumer complaint received 2021-07-05
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WELLS FARGO & COMPANY (PA)

My case is part of the Wells Fargo auto insurance & repossing XXXX. My vehicle was repossed illegally. I chose not to pay the extra fees & my vehicle was sold. My vehicle was repossed in XXXX of XXXX. I have been unable to get another vehicle until very recently due to XXXX XXXXump sum payout. I believe I'm entitled to more than {$270.00}. I informed Wells Fargo that. They seem to believe the amount is sufficient. I would like your help to determine if I should get more under their remediation program before cashing the cashier 's check. My name is XXXX XXXX the account I'm referring to ends with the last four digits XXXX. I can be reached at XXXX XXXX XXXX XXXX XXXX also at XXXX XXXX XXXX XXXX as well as XXXX.
Consumer complaint received 2017-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Experian XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX Phone # ( XXXX ) XXXX I have on my credit report showing account charge off for {$2900.00} and I have obtain back on XXXX/XXXX/XXXX a letter from the District manager showing a {$0.00} balance from the District manager and sign by him. On my credit report status on XXXX XXXX shows this but XXXX XXXX sent me a letter on XXXX as {$0.00} balance and Experian will not update my credit report as well as wrong information on the account showing. I have provided them with the letter from XXXXXXXX XXXX and there phone number if it needs to be verified but Experian has yet to do anything and keep telling me nothing is going to change. I want to no why is this when XXXX XXXX has tried to updated in the system with Experian but they want update the account showing as paid or remove the 90 days late on my file. I have tried month after month and nothing from Experian to this matter. I want the account updated and showing as a {$0.00} balance as I have proof from XXXX XXXX or removed from my credit file. 
I have been requesting this since XXXX and wrote and filed complaint letter and a dispute form with Experian. this is not right on there part.
Consumer complaint received 2017-10-06
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. (VA)

Two fraudulent Hard Inquiries on my account. 
The first one is from XXXX Bank. It is showing up only on my TransUnion credit report. It shows up as : XXXX on XXXX/XXXX/XXXX, I was alerted and called XXXX on XXXX and told them was not me and that I need the inquiry reversed. They said they would have the inquiry removed. It is now XXXX XXXX XXXX and it is still showing on my XXXX XXXX account. I spoke to XXXX Bank agai, spoke with XXXX in their fraud department today, XXXX/XXXX/XXXX XXXX EST and they are again promising that they will remove the inquiry with XXXX days. anything you can do to make sure they really do it would be appreciated. 
2nd one was on XXXX/XXXX/XXXX. It is only showing up on my XXXX report and it registered as XXXX. I called the number that was associated with this also on XXXX/XXXX/XXXX and again was assured the inquiry would be removed. It also has not been removed off my XXXX report. I have been told that the XXXX stands for XXXX XXXX XXXX someone was trying to open a credit card in my name at XXXX XXXX. They have my social security number and a prior address of mine. I have put a freeze on all credit bureaus because of this but need these hard inquiries removed from credit report. Thx
Consumer complaint received 2017-11-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC (CA)

Hi, I transferred some amount using riamoneytransfer.com to my XXXX account almost 3 weeks back. 

I waited for 2 weeks, money was not credited in XXXX Account, then I had to cancel it and request for refund, but its been more than a week now, they are not giving proper status updates and are not refunding my money back. 

Transaction ID : XXXX Thanks, XXXX
Consumer complaint received 2017-10-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NY)

I have 5 private student loans and 2 federal student loans with Navient. I have been repaying the loans for 7 years now, and have not missed any payments, although it has been a financial struggle and I have not able to move ahead. The original amount of the 5 private loans that I have taken out were : {$15000.00} ; {$15000.00} ; XXXX ; XXXX ; and XXXX. The amounts that are owed on these loans after 7 years of repayment are {$16000.00} ; XXXX ; XXXX ; XXXX ; and XXXX. The 2 federal loans are XXXX and XXXX. Amounts now owed on these are XXXX and XXXX. 

After 7 years of paying these loans, they have not gone down, but up!! I called Navient 2 times about this but they did not respond back to me with any reason. Why would this continue to go up in amount due?? This does not seem right at all. How and why would this happen? Please help because Navient sure is n't. Should I consider getting a lawyer to help me with this?
Consumer complaint received 2017-11-30
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (AZ)

I received a bill XXXX/XXXX/XXXX from Navient informing me that I owe {$3300.00}? 
I went to collage for a one week and owe {$3300.00}!! The original loan was in XXXX/XXXX/XXXX for a {$1200.00} but there saying now the original loan was {$2600.00} I have made several payments but with the interest rate XXXX it 's hard to get caught up.
Consumer complaint received 2016-11-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (OH)

A collection account from XXXX XXXX XXXX that was previously removed from my Experian credit file was re inserted onto my file. This account was included in chapter XXXX and should be not be listed as it was previously removed. This account is not collectible due to it being discharged
Consumer complaint received 2024-03-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central States Recovery, Inc. (KS)

I have been fighting a collection on my account for years ; the collection company reporting this incorrect debt is Central State Recovery ( herein " CSR '' ) in XXXX, Kansas ( XXXX XXXX XXXX XXXX, XXXX, KS XXXX ) Collection representative I've spoken to is XXXX. The amount in question on my credit report states I owe XXXX XXXX XXXX ( herein " XXXX '' ) ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, KS XXXX ) an amount of {$540.00}. On XX/XX/year>, I requested verbally from CSR ( XXXX ) the number for the original creditor ( CSR provided : XXXX ), an account number ( CSR provided account number XXXX ). 

I then called XXXX and spoke to representative XXXX. XXXX attempted to look up an account using my full name, birthday, social security number, the " account '' number that was provided to me by CSR ( which was not accurate ), and by my phone number, which resulted in nothing coming up in their system of any debt, or patient history. 

I asked XXXX if she would be willing to stay on the call with me which I phoned CSR ( XXXX ) back, so XXXX XXXX XXXX could inform her of this. She agreed and we made contact with XXXX at CSR. 

XXXX and XXXX compared information such as my name spelling, birthday, account number, etc., and still, XXXX from XXXX could find no such account with them for which CSR is attempted to collect from ). 

Once they concluded their conversation, XXXX XXXX up before she would state any type of action or remedy she planned to do in order to remove this illegal debt from my report, for which I have suffered damages for from its listing such as a denied housing application, denied mortgage, denied job application, etc.
Consumer complaint received 2022-09-09
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: EQUIFAX, INC. (CA)

I'M IN NEED OF SOME ASSISTANCE FROM THE CFPB BECAUSE I'VE BEEN REQUESTING THE CREDIT BUREAUS TO DO THEIR PROPER RESEARCH REGARDING THESE ACCOUNTS THAT I HAVE LISTED ON MY LETTERS, BUT IT SEEMS TO BE FALLING ON DEAF EARS. CAN YOU PLEASE MAKE SURE THEY ARE FOLLOWING THE LAWS AND CORRECT THE ERRORS ON MY CONSUMER REPORT. I WAS NEVER GIVEN THESE OPTIONS, NOW I WOULD KINDLY REQUEST THAT YOU REMOVE ANY LATE PAYMENTS REPORTED ON MY ACCOUNTS LISTED BELOW : XXXX XXXX XXXX  XXXX .... XXXX XXXX ...., XXXX XXXX XXXX : Account number : XXXX ... XXXX- Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX XXXX : Account number : XXXX ....- Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence
Consumer complaint received 2017-11-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Refer to my previous complaint # XXXX about BANK OF AMERICA for this same loan about a different issue. 

This equity account was opened XX/XX/XXXX at the rate of 4.5 % for 15 years with a credit limit of {$29000.00}. 
From that time the loan was kept at that rate until XX/XX/XXXX when they raised the rate to 4.75 % and I questioned this raise without receiving any valid or satisfactory response. They instead have continued to raise the rate again in XX/XX/XXXX to 5 % and then again 3 months later in XX/XX/XXXX to 5.25 % and then again 5.5 % in XX/XX/XXXX. Again for no reason equity rates are down all over the U.S. 
I have all statements since XX/XX/XXXX to prove my point which shows all amounts applied to principal and finance charges for the interest. The interest just keeps going up as I make the payments each month and less and less is being applied to the principal as it gets closer to the draw date of XX/XX/XXXX and the repayment period which according to their accounts is going to be another 10 years ( refer to document attached ). 
With equity rates down not up and they recently offered to customers with new equity loans a rate of 2.99 % how does that justify continually raising my rate ( the last being a matter of two months ) when I have auto pay, have not been late, and have made in the past some extra payments to the principal including one most recently which they did not credit me for. See document of XX/XX/XXXX. Additionally as they continue to raise my rate less is going to the principal and more to interest. 
Raising rates 3 times in less than 6 months while adding more interest on their end for no justifiable reason, and then sending out notices for XXXX XXXX ( attached document ) to request help is proof of the misleading and deceptive practices of Bank of America. Their game is stacked against the consumer to continue keeping the customer in debt and not to be helpful.
Consumer complaint received 2024-03-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (NJ)

Sallie Mae continues to harass my step father and step sister with calls. We have spoken to Sallie Mae that there has been financial hardships that we can no longer make the payment at this time. In addition I am still a XXXX XXXX XXXX.
Consumer complaint received 2022-01-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (TN)

I'm unfamiliar with this debt, I tried to discuss it with Convergant Outsourcing and got nowhere. I never received any sort of notice of debt. When looking at XXXX XXXX this account doesn't even show up. I only found out about it when I was looking for a mortgage loan and the lender pulled a credit report then notified me. I talked to Convergant earlier today, XX/XX/XXXX, and we weren't able to reach a conclusion. I was able to get a date of the initial start of this report of XXXX I forget what month.
Consumer complaint received 2017-10-06
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: NAVY FEDERAL CREDIT UNION (NC)

My soon to by ex wife who is not on my credit card. Took my credit card and charged up almost 6k worth of purchases and moved to Ohio. This is a sole account under my social security number that she was not even an authorized user on. I disputed the fraudulent charges, Navy Federal looked into it and said that they " did not think '' that my wife would be prosecuted and told me that was the end of the investigation. So they looked into the charges and stated that it was obviously stolen because I could not be in north Carolina and Ohio at the same time. They did issued me a new card but will not take care provide me credit for the debt even if I press charges. They need to press charges or whatever they have to do but they have zero fraud liability and they need to honor that. I want my the fraudulent charges reversed and my account to be back in good standing.
Consumer complaint received 2024-03-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NJ)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it, more so they didnt follow the proper XXXX step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Consumer complaint received 2021-09-10
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft PORTFOLIO RECOV ASSOC Account Number : XXXX This is not mine. 

2. Identity Theft PORTFOLIO RECOV ASSOC Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.