davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-21
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. (TN)

This is a formal consumer to business complaint ; I have been attempting to get information removed from credit files since XXXX 2017, with no success ; have called, faxed, email and mailed written request to have errors corrected. I do not have a signed contract with the following companies ; I have never done business with these companies and not liable or responsible for these debts. I would like correction to all credit report files with removal of the following information. Accounts that are not mine and need to be removed : XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX # : XXXX. XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) # : Unknown, XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX # : Unknown, XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX # : Unknown. I Have never lived at XXXX XXXX XXXX XXXX XXXX TN XXXX or XXXX XXXX XXXX XXXX, TN XXXX also remove inquires from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX I have never applied for credit with these companies.
Consumer complaint received 2022-09-07
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: TMX Finance LLC (AZ)

I've had three loans paid off with title max and none of which have been reported to the bureaus. I have one open now that isn't being reported to my credit either. If I default on the loan they will report it to my credit but they are not reporting any of the paid accounts or the one im.paying now which is predatory and unfair business practices
Consumer complaint received 2022-03-03
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: CITIBANK, N.A. (MI)

Ordered two sample keyboard to inspect for a possible bulk purchase, both units arrived damaged and did not work. The seller agreed to a no return refund as it would cost too much to ship back. They never provided a refund, so I filed a dispute. After several months, without notice, Citibank reversed the charge and left me with the bill and defective merchandise! They never even asked for further documentation which I have. The agent, XXXX XXXX, stating clearly that the issue was theirs and a refund would be given!
Consumer complaint received 2019-03-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NC)

I have tried multiple times to discuss with Navient to lower my payment reqirements. They refuse. They constantly report me to the credit bureau and have two charged off items on my report. I am attempting to get another loan to pay my student loans off and no bank will speak with me. my credit score is now XXXX. I have been paying on the loan for 10 years and the balance has never decreased.
Consumer complaint received 2019-03-01
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (IL)

I obtained a modification with XXXX on XXXX XXXX. In XX/XX/XXXX, the loan was transferred to Selene Financial. I began to pay the new mortgage company XXXX. In XXXX of XXXX, I was told that the payments will be increased from XXXX to XXXX effective XX/XX/XXXX. I attempted to contact Selene to discuss the matter but was told an attorney was on file and they could not allow me to discuss this important increase of mortgage of XXXX. The attorney that was on file withdrew in XXXX of XXXX. I presented a copy of the notification and was finally able to discuss the matter. 

After discussing the increase, it was explained to me that the loan was acquired by Selene having a shortage which had to be added to the loan as well an the substantial increase in property taxes, which I believe to be an error by the XXXX county assessors office. During the conversation with Selene, I noticed however that the loan should not have had such a large shortage which ultimately had to be added to the loan when combined with the property taxes resulting in an increase of my mortgage monthly payments of over XXXX per month. I believe that when a loan is modified correctly, it may result in minor increases or shortages that should not be increased to an amount of over XXXX dollars during a span of only ten months. Please review this complaint. Thank You.
Consumer complaint received 2017-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (PA)

I had a pending transaction/bill payment from  XXXX   XXXX , I then transferred the amount to cover the cost from an external account/ Bank  XXXX   XXXX   XXXX   XXXX   . B oth transactions were simultaneously in Pending status Tuesday. The bank then used predatory measures and charged me an unwarranted  XXXX  overdraft fee. The overdraft fee then put me in the negative {$9.00}. I would like this published.  XXXX  consumer unfriendly/ predatory lending way is not only unsavory but creates financial hardships on the, POOR consumers they draw on to sustain their institution.
Consumer complaint received 2017-06-21
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. (NY)

XXXX  credit reporting agency and   XXXX   XXXX   credit reporting agency is reporting an account on my reports that is incorrect. The account is  XXXX   XXXX   XXXX  this account was previously deleted off  XXXX  of my reports now is is reporting again. I spoke with corporate office with  XXXX   XXXX   XXXX  and it was agreed that it is to be removed  XXXX  and   XXXX   XXXX   should not be reporting this account
Consumer complaint received 2020-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

In the year XXXX, an XXXX account was added to my credit report, which was open fraudulent because I did not authorize for that account to be open. Somehow when I set up payments for my daughter on two accounts XXXX XXXX and XXXX to be paid out of my checking account the XXXX account became open in XXXX of XXXX without my consent, after setting up payments for my daughter so that she would not have any charge offs on her account. In the year XXXX when my dad worked for XXXX XXXX XXXX my SSN got deleted and my year of birth as well. My daughter SSN became my SSN in the credit bureaus all three. Experian, XXXX XXXX which was brought to XXXX XXXX XXXX 's Corporate attention in XXXX New York in the year of XXXX, which I am no longer there because of this matter, which I left in the year of XXXX. The problem keeps surfacing after 19 years of fighting for my identity and my daughter 's identity, Transunion will not delete this information from my credit report after disputing this over and over.I have also filed a complaint against all credit bureaus with CFPB on all issues that I know of. The incident report number is XXXX. This has destroyed my life as well as my daughter 's life. As we continue to fight for our identities if you go to the XXXX XXXX XXXX XXXX website some have changed the last four digits of my SSN and my daughter 's SSN under free credit score under my block. This has been overwhelming for the past 19 years and I have gotten three letters from XXXX stating they can not find me in their system which has been sent of 2 times with certified confirmation with the USPS post office.I have been fighting this for 19 years and I am tired of sending documents after documents to prove my identity and my daughter 's she was only XXXX years old at the time when all of this occurred.
Consumer complaint received 2017-06-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (PA)

The  XXXX   XXXX , Management company for  XXXX   XXXX   XXXX   XXXX , refuse to change or eliminate the amount they state is owed to them for cleaning damages to an apartment I rented from them for a year. I have videos of how I left the apartment ( which was fully cleaned which I submitted to them ). I also disputed the case with the current ap artment manager, who stated a different total owed, and that she only had record of a custodial che ck list submitted on the apartment.  <P/> The presence of this on my credit report is extremely damaging, especially with the company having no proof that I left the apartment in the condition they stated, of which I have dated videos to prove otherwise.  <P/> Dates rented t  he apartment is on the attached documents.
Total reported to t  he credit bureaus : {$2500.0  0} Total amount reported on letter submitted to myself and other property in apartment network : {$1600.00} No Rent Due ( as attached ).
<P/>  This is a huge difference. Not to mention, that although this was stated on their management report to my new apartment management, they did not reduce the amount on my credit report.  <P/> This is extremely damaging to my credit report, and is likely to come up every time I seek to rent another apartment.
Consumer complaint received 2020-05-05
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. (CA)

I had leased a XXXX XXXX XXXX from XXXX XXXX which ended up in a total loss and was paid off by my insurance. XXXX XXXX  keeps reporting a balance owed of {$8600.00}. I notified them through phone and writing. It has been 2 months and they will not update my balance to {$0.00} even though they are verbally confirming the balance owed is {$0.00}. This is taking a negative effect on my credit score. Please update all credit bureaus balance to {$0.00}.
Consumer complaint received 2023-12-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

On XX/XX/XXXX I sent a payment of {$500.00} and another payment of {$150.00} on XX/XX/XXXX to a business called XXXX XXXX XXXX who uses a cash app business account under the username XXXX  XXXX to pay for the delivery of some gift baskets along with singing telegrams to family members for XXXX. The services were to be done on XX/XX/XXXX. 3 days before the services were to be rendered, the merchant reached out stating they could no longer provide the goods/services and I would be refunded. After this day, the merchant stopped all communications. I contacted cash app advising them I had been scammed by a user of their business platform and they only opened a refund request and would not do anything further even with proof I had been scammed. I advised them that the merchant had stopped responding and they advised me they could nothing further because it was a personal transaction, but it was not. This was a payment sent to a business account therefore I feel as a consumer I should have rights and be protected from scammers using their platform to conduct fraudulent transactions. Cash App should provide me with a full refund and ban the business account user to prevent this from happening to other consumers.
Consumer complaint received 2019-03-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (FL)

On XX/XX/XXXX I was contacted by National Credit Systems for an amount owed to a apartment complex I recently moved out of the apartment complex under the motion I would be responsible for the months the apartment was vacant. I disputed the charges asking to company to Verify the alleged debt owed of {$6900.00}. All I received back from them was an itemized list of charges with accelerated rent they say I owe and the first and last past of my lease. After reviewing My copy of the lease agreement there on page 2 there is section stating I will only be liable for the dates the apartment was vacant. I am under the notion the apartment was not vacant for the remaining months on the lease as a new tenant was placed in the alleged vacant apartment. I again disputed this account with National Credits Systems and the 3 major credit reporting agencies XXXX, XXXX and XXXX. XXXX  was not able to verify the account and has since deleted it from credit report as of XX/XX/XXXX, while the other reporting agencies came back verified. National Credit systems again sent me an itemized list of the charges along with the first and last page of my lease, leaving out the verbiage written in the agreement for charges owed upon early move out of the apartment. On page 2 section 10 of the leasing agreement it states ... You will be responsible for monthly installments of rent through the end of the lease term or until a replacement is found, whichever occurs first. XXXX XXXX was a tennent in the vacant apartment this occurred first. Further the accelerated rent charges National Credit System claims I owe is not a provision within the lease agreement.
Consumer complaint received 2019-03-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (MN)

In XX/XX/XXXX we purchased a home from an elderly couple. Recently ( XX/XX/XXXX - today ), I received a piece of mail from US Bank. Thinking it was my Visa bill I opened it only to find it was a statement for the previous owners of our house. I called US Bank and asked them to check their records and change the address on the account. The representative was very polite and said she would take care of it I received another statement, called US Bank again and was basically asked by the representative on the phone what they expected me to do about it. I suggested they conduct a universal records search to make sure all addresses for their customer are current. I told that representative that if I received another statement I was filing a formal complaint, since the privacy of their customers seems to mean little to US Bank. 

Today I received yet another statement for these people. I find this inexcusable. US Bank has the account number in question, the INCORRECT address and I would presume the correct address for their customer. This is an invasion of their customer 's privacy and I want it stopped. 

Very happy I have no account with US Bank if this is any indication of how " serious '' they are about customer privacy. 

Again, I will shred this statement.
Consumer complaint received 2022-08-10
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: Experian Information Solutions Inc. (SC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXXXXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$92.00} XXXX XXXX XXXX XXXXXXXX Balance : {$64.00} XXXX XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX* Balance XXXX {$610.00}
Consumer complaint received 2019-03-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

My mortgage is with Carrington Mortgage Services. My principal balance is now under 80 % of the original mortgage amount ( I believe this happened in XX/XX/2018 ) but CMS continue to take the PMI from my account,. I understand the Federal Homeowners Protection Act requires the lender to cancel PMI automatically when the mortgage balance has reduced to 78 % of the home 's purchase price. 
I contacted CMS and they say they will only cancel the PMI when requested by the mortgage holder ( because some people prefer to keep it ). The only way to cancel is by mail or fax. I sent a letter in XX/XX/XXXX which they have conveniently not received. 
I plan to send another letter by registered mail, asking for cancellation of my PMI and a refund dating back to XX/XX/2018.
Consumer complaint received 2018-06-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (CA)

XXXX XXXX XXXX has reported 3 items on my credit reports - all which are passed the statute of limitations in CA. I requested debt verification XX/XX/XXXX. Heard no response until XX/XX/XXXX but no debt verification on two of the three accounts. Credit bureaus have no removed these items from my credit reports. I have all supporting documentation, if needed. Please note that the credit bureaus have removed the ORIGINAL CREDITOR as it is old debt.
Consumer complaint received 2016-09-03
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (ME)

I have a Chase credit card. I initially set it up for automatic payments of the minimum amount due. Chase contacted me telling me that they need to change my credit card account number and they sent me another card. Since then I have been belled for {$60.00} of late fees. This account was set up by myself for automatic payments but the payments stopped working. The amounts are {$25.00} in the XX/XX/XXXX cycle and {$35.00} in the XX/XX/XXXX cycle. I want to recover these fees and interest and also complain formally since this it the second time that they have done this since I have been a card holder.
Consumer complaint received 2020-04-10
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (TX)

I lived at XXXX at XXXX XXXX in XXXX, XXXX  from XXXX. Once I moved out in XXXX, I received a notice that I owed {$44.00} for damage to the apartment and I would not be getting any portion of my deposit back due to {$75.00} worth of damage. I called XXXX XXXX with XXXX ( the management company ) and advised there was no damage in that apartment while I was living there and I asked if he had photos. I have an email from XXXX XXXX on XX/XX/XXXX with a photo of a portion of the blinds with a timestamp of XX/XX/XXXX. 2 years before I moved into the apartment!!! I have talked to their debt collection company, Transworld Systems 4 different times to dispute this debt but they keep saying the debt has been validated. The only validation is a letter I received with a copy of my lease. The lease proves my point that I did not move into that apartment until XXXX, yet the photo I was sent was from XXXX. Apparently a second validation was mailed out on XXXX but I already received a call today ( XX/XX/XXXX ) trying to collect the money from me! I haven't even received a letter yet. This is wrong and the collection account needs to be closed immediately.
Consumer complaint received 2017-06-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

I have consolidated with XXXX XXXX that turned into Navient. I have been paying on their based on income, which is OK. The problem is that the interest has jumped to XXXX dollars since the loans have been consolidated. Now answer this question how are I ever going to pay this back
Consumer complaint received 2017-06-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: SUNTRUST BANKS, INC. (FL)

I have deposited XXXX dollars in my SunTrust Bank account and days later SunTrust allowed multiple fraudulent transaction on my account taking all my funds and my account from my previous deposit ... .I believe SunTrust had a part of this fraudulent activity due to the fact after I reported it they still held on to my funds denying me access .... including my stolen identity of my government issued ID and social security card! I spoke with a supervisor and executive team and they all are withholding me from. My fund 's including engageing in this fraudulent activity
Consumer complaint received 2017-06-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (VA)

XX/XX/XXXX- Sent letter to XXXX XXXX XXXX to dispute collection ( {$490.00} ) XX/XX/XXXX- Sent letter to Equifax to dispute the collection ( {$490.00} ) XX/XX/XXXX- Submitted online dispute to Equifax ( {$490.00} ) XX/XX/XXXX- Sent letter to XXXX XXXX XXXX to dispute collection ( {$490.00} ) XX/XX/XXXX- Sent letter to Equifax that neither collection agency had verified the collection ( {$490.00} ) XX/XX/XXXX- Submitted another online dispute with Equifax ( {$490.00} )
Consumer complaint received 2017-06-21
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. (NC)

I submitted an online request to remove the automobile inquires on my credit report. I sent letters to the credit bureau and was told to contact the actual company. One agent stated they would not hurt my credit report which shows it does. I cosigned for a car but only for authorized XXXX XXXX and XXXX XXXX XXXX XXXX since we have accounts their.
Consumer complaint received 2016-09-11
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Westlake Services, LLC (CA)

I 've applied for multiple lo a ns over 5 months o n ly when I can find on who does do a hard inquiry, I applied from my account with score that said I had a fair c hance. My installment loan company Wilshire consumer credit is charging 77.4 %. Thi s is straigh t out rip off. I 've paid mypayment agreed to contract. I need a personal loan for a lower rate to cover that loan and other debt that are mine..the correct portion. I 've asked the lo a n companyif we can lower interest. They have told me no, or other time ignore my question. I 'm upset th a t they c a n legal keep the interEST up even though I paid and in good standing. I wish I 'd never got the loan. It doing me harm. XXXX h a d me down XXXX loans, now they have XXXX open and I a sled Wishing to correct I t, I never received any call to do the process it 's been 3 mon t h. I only have XXXX loan under XXXX. They have me do for almost XXXX 

Help where or what do I do. I need the service I deserv. My next case is going against all XXXX credit bureaus for not verification of debt they put on t he record .... 

I wish I knew what to do next. This has done damage to my choice to be approved for a lo a n to pay debt and re pair it, the more stuff that identity theft shows up I 'll never get out of it as n buy a home. Renter f o r the rest o f my life.