davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Ad Astra Recovery Services Inc (VA)

I initially borrowed {$600.00} from the company and was told that the initial payment would be {$99.00}. A month later after taking the {$99.00} out of my bank account, another {$200.00} was debited from my account. I could not afford this rate of repayment or I would not have taken out the loan. This payment of {$99.00} was to be debited from my bank account on a monthly basis, however, every couple of weeks, XXXX XXXX would attempt to take between {$99.00} and {$200.00} from my account and would try the debit multiple times. Contacted someone who stated that only the first payment would be {$99.00}, but I was unable to find this information in the loan contract. Due to inability to afford the loan payments, the loan was sold to Ad Astra and now the balance due is {$1400.00}. There is no indication on the original loan ( {$600.00} ), nor a reference or credit to the amount paid back so far, which is {$99.00} and {$200.00}. In requesting the loan amount be reduced, the offer to me is to break the payments up in 4 installments of {$350.00} until {$1400.00} is paid in full.
Consumer complaint received 2019-02-24
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. (NY)

I am uploading a letter I received from transunion on XX/XX/2019. I have made it very clear that the account I am disputing XXXX  XXXX XXXX has fraudulent activity on it. I explained in depth that I did not make these fraudulent charges and I want this account removed off my transunion credit report. I cant be more specific as I am. That account has fraudulent charges and I should not be held responsible. I reported this years ago to XXXX  XXXX XXXX when I lost the card. I was told back then that I would not be responsible for those charges. Well years later its still reporting on my credit report which is causing me a hardship in obtaining substantial credit. Transunion is playing games and I am submitting this complaint on them because I already specified in detail. Not responsible fraudulent charges please remove off report like XXXX  did.
Consumer complaint received 2022-02-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-09-05
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. (IL)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, T XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-02-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (MD)

I got 2 mails on XX/XX/2022 with a negative balance, each mail got 2 different bank account numbers, knowing that I didn't open an account, i reached out to the bank over the phone. I was transferred to the fraud department and that was closed. The following day being XXXX, I got a call from the same banking institution staying that an account ending in some numbers mentioned had a negative balance of {$100.00} and that I would need to make a payment. I notified them that again I have no accounts with them, the representative told me that it would need to be paid or it will hurt my credit. I explained that it wasn't me and that I had just closed 2 account in relations to the same issue. I then gent to the bank and the banker told me that the fraud department is looking into it. Before contacting the FTC I then spoke with the banking fraud department. And I as told the account is closed. But since whomever this is has my identity, I would like to take as much precautionary measures as possible to stop this from repeating itself or to someone else. 
I also go a call sometin ago from my then employer stating that someone had submitted an unemployment application even while I was employed with the company.
Consumer complaint received 2017-02-26
Product: Credit card — 
Issue: Other fee — 
Company: AMERICAN EXPRESS COMPANY (NJ)

Approximately the XXXX of XXXX I requested via chat interface on Amex 's site a request for a FULL refund on the {$250.00} annual fee for XXXX card. After rejecting their offer of a pro-rated refund, and due to the fact that another card I had cancelled around that time, and which was opened around the time that this card was opened had received a FULL {$250.00} refund, I demanded a full refund. The rep attempted to offer a prorated refund. I rejected it. And after several back and forth messages with the rep and their supervisor, I obtained a promise of full {$250.00} refund to be processed in a matter of days of that chat. As of XXXX XXXX no refund was applied to the account. Upon seeing this, I opened a NEW chat and specifically advised the rep to consult prior chat logs. He failed to do so and once again attempted to issue a partial, pro-rated refund. His supervisor ALSO FAILED to consult prior chat logs and confirmed a pro-rated refund on the annual fee. 

I do n't care what your policy is ; I do n't care what your limits are ; I do n't care what your system will or wo n't let you do. And I do n't care how poorly your XXXX reps operate. I was promised a full {$250.00} refund on the annual fee and it has not been applied to the account. Make it happen.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

I XXXX XXXX, Consumer and Natural person who its a victim of identify theft. XXXX, Experian, and XXXX had used and furnished my consumer report without my authorization consent or written instruction. My information was share to nonpublic personal information without consent and also used that information to furnish. Congress makes it clear that the consumer has a right to privacy which Experian, XXXX and XXXX has violated my federal protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their responsibility with respect to the confidentially of my personal information. The Fair credit Reporting Act was intended to insured that consumer reporting agencies exercise their grave responsibility with fairness, and respect to the consumer right to privacy. 
I enclosed all documents social, ID and statement.
Consumer complaint received 2022-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/22 I deposited a check for {$9400.00}. However, my bank ( Wells Fargo, N.A. ) put a hold on my account for {$18000.00} ( twice the check amount ). When I called and spoke to a banker and then a supervisor, the supervisor said that putting a hold on for twice the amount of the check was not an error, but rather that it " is all part of the process. '' In the screen shot I'm attaching, you will see the deposit of {$9400.00} and the hold for {$18000.00}. I want to know why a hold was placed on my account for twice the check amount, and not just for the amount of the check.
Consumer complaint received 2016-05-08
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (IL)

Midland Credit Management , Inc would repeatedly call me and also hang up on me when I would describe my current situation on why I could n't pay the full balance that day. I was trying to work out a monthly payment to have the debt satisfied. After they hung up, another associate would call me about an hour later stating that no one else called me and that I must be lying. After having 5-10 calls some days it got rather annoying. I finally got a letter from this company and I settled this account but the problem was I was trying to settle this account in monthly payments 2-3 months prior. The associates I was dealing with during that 2-3 months was rude and hard to even get my account satisfied. I believe they did that on purpose so I could n't try to get my credit back on track.
Consumer complaint received 2017-02-14
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Credit Mangement is continuing to illegal report debt that I am disputing. I have sent certified mail on XXXX occasions stating send me proof of debt the last being XXXX. They continue to state they are not processing my request which is illegal of them. If they do not remove these debts will be bringing suit to them shortly.
Consumer complaint received 2016-04-10
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (NY)

I was recently informed by my Daughter XXXX XXXX who had used XXXX of your Shell credit cards that there is still a late payment entry on my Credit Report. 
I had written to you over a year ago and asked you to correct this entry since the lateness was due to your billing problems not my paying my Shell bills on time. 
I have always paid my Shell Credit card bills on time since I opened the account. Then Shell sent us new credit cards with new expiration dates like all credit card companies do every XXXX-3 years. But in your case the new credit card was not linked to the old account online. So when I logged in to pay my bills, I was only able to view the balance for the new credit card, not the older card which still had a balance. Dispite the fact that I was make regular online payments, they were all go to the new card and nothing was paying off the old card. Meanwhile the old card had about a {$100.00} balance on it. Suddenly I am told that I am several months overdue on the old card which never apperas on the online account. This is despite making regular in full payments to the new card. 
Since then you have corrected the problem and several months after my issue, both balances started appearing on the online account. 
I have asked them twice to correct this problem.
Consumer complaint received 2015-07-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MS)

On XX/XX/XXXX my Chapter XXXX Bankruptcy was discharged, and Ocwen was included in the Chapter XXXX. 
In XX/XX/XXXX I applied for a loan modification with Ocwen. 
In XX/XX/XXXX, I was approved for a XXXX loan. I as well as Ocwen signed the documents. 
Since the modification, Ocwen reported my payments to the XXXX main credit bureaus MONTHLY. Which helped build my credit. 
In XX/XX/XXXX, my credit score with XXXX was XXXX ( fair ). I got credit card offers and was approved for XXXX credit cards. 
In XX/XX/XXXX, Ocwen sent me a letter stating they had reported in error and contacted the XXXX main credit bureaus, and told them my account was closed, removed all of my on time payments, and now refuses to report my payments. 
in XX/XX/XXXX my XXXX credit score dropped to XXXX ( poor ). Now I have been denied an auto loan, and multiple credit cards. 
I would like Ocwen to report my payments, but since they cant, and ruined my credit. They should be fined.
Consumer complaint received 2015-05-23
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NC)

Ocwen Loan Servicing modified my loan per my loan documentation mailed to me XXXX XXXX and then again XXXX XXXX. My new modficiation should be {$910.00}. But when I go online to pay, it states that my new payment amount is {$1200.00}. I have a signed loan modification agreement indicating that my loan should be {$910.00}. Also on my statement, XXXX statement indicates in the Important News section that my new amount for my XXXX XXXX payment is {$910.00} then I received another statement about 15 days later indicating in the IMportant News section of my statement that my new upcoming payment for XXXX XXXX is {$1200.00}. They added this information incorrectly and deceitfully but I have XXXX documents mailed indicating my new payment should be {$910.00}. When I call they are telling me it will be {$1200.00}. I have emailed and faxed in the document I received from XXXX XXXX in which she signed XXXX XXXX, 2015 authorizing my new modification agreement. I need my new payment amount to reflect {$910.00} in their system
Consumer complaint received 2021-01-18
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RMS-Recovery Management Services, Inc. (NV)

RMS DID NOT contact me about collecting a debt. RMS NEVER contacted me at any point in time to identify THEIR COMPANY as a company and to confirm if this debt is mine via phone call/voicemail, email, or mail nor have you sent me a debt contract in the mail. I found out about this debt by an alert of a negative impact on my CREDIT REPORT. 

How can RMS report a debt on my credit report without contacting me to verify that the debt is MINE AND VALID. 

I made FIRST PARTY CONTACT to RMS on Friday, XXXX XXXX, XXXX by calling the number on my credit report to dispute the Negative Report. 

The debt is in fact INVALID due to it being a STUDENT LOAN where as of XX/XX/XXXX, student loan payments have been SUSPENDED until XX/XX/XXXX via the CARES Act. 

I DISPUTE THIS REPORT AND DEMAND THIS NEGATIVE REPORT BE REMOVED OFF MY CREDIT REPORT IMMEDIATELY BECAUSE IT IS ILLEGAL VIA THE CARES ACT. 

I WILL ALSO REPORT RMS COMPANY TO THE XX/XX/XXXXXXXX XXXX AND FEDERAL TRADE COMMISSION AS RMS IS COMMITTING ILLEGAL PRACTICES SUCH AS : 1 ) THE FTC STATES IN SECTION 806. HARASSMENT OR ABUSE, ( 6 ) " THE PLACEMENT OF TELEPHONE CALLS WITHOUT MEANINGFUL DISCLOSURE OF THE CALLER 'S IDENTITY SECTION 807. FALSE OR MISLEADING REPRESENTATIONS, ( 10 ) " THE USE OF ANY FALSE REPRESENTATION OR DECEPTIVE MEANS TO COLLECT OR ATTEMPT OR COLLECT ANY DEBT OR TO OBTAIN INFORMATION CONCERNING A CONSUMER '' Account Representative XXXX XXXX of RMS collection agency refused to tell me any information regarding my debt and deceptively told me that I must release information regarding my BANK ACCOUNT, CREDIT CARD BALANCE, RENT PAYMENT AMOUNT, UTILITY BILL AMOUNT, CELL PHONE BILL AMOUNT, CAR PAYMENT, CAR YEAR/MAKE/MODEL, PREVIOUS EMPLOYER/ANNUAL SALARY, PREVIOUS EMPLOYER PHONE NUMBER, UNEMPLOYMENT BENEFITS, AND MARITAL STATUS, in order to receive information regarding the ILLEGAL AMOUNT OWED. When I REFUSED to provide information mentioned above, XXXX XXXX stated that I must provide ALL information to move forward. XXXX XXXX also did not disclose to me over the phone my rights to DISPUTING the debt. XXXX XXXX also made false claims of how the account will be switched over to another DEPARTMENT/AGENCY IF I DID NOT SET UP A PAYMENT PLAN BY XXXX ON FRIDAY, XX/XX/XXXX ( THE INITIAL DATE I CALLED ).
Consumer complaint received 2015-05-19
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: WELLS FARGO & COMPANY (NY)

I received communication from a company called XXXX XXXX ( XXXX ) account # XXXX in XX/XX/XXXX, asking me to make a payment settlement to account I have no knowledge of, however it claims it was an inherited debt. In XX/XX/XXXX, I phoned XXXX inquiring about the debt. I was placed on hold, after informing the representative on the phone I was recording this conversation, and he never returned. In XX/XX/XXXX I sent XXXX a certified letter ( XXXX XXXX XXXX XXXX XXXX ) requesting they validate the debt, and if this is in fact a verified debt of mine, I would pay it. I did not receive a response to their letter. Upon no response, I disputed this account with the credit agencies ( all XXXX ) only to be informed the account is validated, and therefore there is no change on my credit report. Months have passed with me disputing through the credit agencies, and I have once again sent XXXX another letter, this time certified return receipt ( XXXX XXXX XXXX XXXX XXXX ) and ( XXXX XXXX XXXX XXXX XXXX ). I have since received the receipt back, however XXXX still has not validated this account, and refuses to remove this account from my credit report.
Consumer complaint received 2024-01-25
Product: Credit reporting 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. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2022-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$31000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$52000.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$29000.00}, and XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$12000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2017-04-05
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (NJ)

Despite repeated phone calls to TD Bank, complaining that reordering transactions from High to Low, has resulted in hundreds of dollars of overdraft fees, I was told that I did not " fully opt out ''. 

I do not understand. They wanted me to listen to a recording and " consent '' at the end. Yet, their recording stated that I may still be charged {$35.00} per transaction, even after I sign up! I immediately denied this and I can prove this because I recorded the conversation. This is lawful because I live in New Jersey, which is a one party state. 

I also read that despite TD Bank paying a {$62.00} XXXX dollar settlement for reordering transactions, they continue the practice to this day. TD Bank remains the only bank who still reorders transactions from High to Low. 

I 've tried several times to work this out with TD Bank, to no avail. This is horrific and this predatory practice preys on those who, like me, live paycheck to paycheck, for they know we are also the least likely to fight back. We are unable to close the account with a negative balance yet unable to pay. Meanwhile, they continue to add fees and it feels as if I 'm in TD Bank Prison and I 'm unable to break free. There are two proposed class action lawsuits filed against TD Bank this year alone and one of them is for -- you guessed it -- excessive fees. The other is for their coin counting machines. In my humble opinion, TD Bank has engaged in the predatory practices of Bad Faith and Breach of Contract and it is no accident that the most damage has been levied at those least able to fight back : the working poor. This is unconscionable and they need to be held accountable. Please help us. 
Thank you.
Consumer complaint received 2019-02-24
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: General Motors Financial Company, Inc. (NJ)

I have contacted customer service at GM financial and was told they were unable to provided any info or a application for credit about a inquiry on : XXXX : XX/XX/2017 / XX/XX/2017 / XX/XX/2017