davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc. (MD)

I currently owe XXXX XXXX approximately {$1500.00} and Aargon Agency is listed on my credit report as the debt collector. I have called Aargon Agency to pay the debt but they claim that they can not take my money to satisfy the debt because they say it was discharged in a bankruptcy. However, I have never filed bankruptcy. I simply want to pay this debt and they won't let me, which is very odd.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

FCRA Vilolations not mine notmy XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4300.00} Status Account charged off/Never late. {$4300.00} written off. {$4300.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$4200.00} Status Account charged off/Never late. {$5500.00} written off. {$4200.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$5800.00} written off. 
not my morgage XXXX XXXX XXXXXXXX XXXX Account number XXXX Account type FHA Mortgage ws never late DEPT OF ED/XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1900.00} Status Open. 
DEPT OF ED/XXXX  Potentially negative Date opened XXXX Balance {$4900.00} Status Open.

DEPT OF ED/XXXX  Potentially negative Date opened XXXX  Balance {$700.00} Status Open.

DEPT OF ED/XXXX  Potentially negative Date opened XXXX Balance {$6700.00} Status Open.

DEPT OF ED/XXXX  Potentially negative Date opened XXXX Balance {$4000.00} Status Open.

DEPT OF ED/XXXX  Potentially negative Date opened XXXX  Balance {$9500.00} Status Open.

DEPT OF ED/XXXX Potentially negative Date opened XXXX  Balance {$13000.00} Status Open.

DEPT OF ED/XXXX  Potentially negative Date opened XXXX Balance {$3700.00} Status Open.

DEPT OF ED/XXXX  Potentially negative Date opened XXXX  Balance {$2600.00} Status Open.

DEPT OF ED/XXXX  Potentially negative Date opened XXXX Balance {$580.00} Status Open.

DEPT OF ED/XXXX  Potentially negative Date opened XXXX Balance {$620.00} Status Open.

DEPT OF ED/XXXX  Potentially negative Date opened XXXX Balance {$7000.00} Status Open.

DEPT OF ED/XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$6900.00} Status Open. 
not my addreses XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX not my phone numbers ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX not my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not my inquiries XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX
Consumer complaint received 2022-02-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (IL)

RPM ( Receivables Performance Management LLC ) has send a letter to my home regarding a debt from XXXX XXXX XXXX XXXX XXXX ( original debtor is XXXX XXXX XXXX ). that I do not owe. I lease a vehicle from XXXX years ago that I eventually returned. The lease was paid out of my XXXX earnings and vehicle was returned after a couple years with no issues. The original debtor never stated I had an unpaid balance because I did not. This debt is not valid nor accurate. The notice date of this debt is XX/XX/2022.
Consumer complaint received 2016-09-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have contacted The Court, they said it was an computer error that reported me having bankruptcy for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The court said they did not verify or validated information, see attached letter
Consumer complaint received 2016-05-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XXXX XXXX, 2015 I have contacted Trans Union about a XXXXPublic Record being reported on my consumer report, I provided letter ( s ) and a copy of my police report and fraud victim identity theft affidavit in support of my dispute. The name of the creditor that reported the Public Record to Trans Union is ( XXXX ). I further advised Trans Union that when i reached out to the court they advised me that the information I 'm providing is not correct or not the same on the court records. Therefore someone used my name to file for this fraudulent Bankruptcy account.
Consumer complaint received 2017-03-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Amsher Collection Services, Inc. (OR)

I have a collection dept through Amsher Collections that I learned about while checking my credit score. I did not recieve any notice at all. The dept originated with XXXX. I could n't get any information from either place. The Dept is for XXXX and I do n't know what it could be for. It might be for a reciever box which I never got.
Consumer complaint received 2015-07-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Past address is not mine. 
XXXX, XXXX never lived or worked there. 
It might belong to the other XXXX XXXX XXXX that lives in XXXX XXXX. 
The only other XXXX XXXX I know is my uncle that lived in XXXX, XXXX, and he died a few years back.
Consumer complaint received 2023-04-02
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. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I am writing to bring to your attention a dispute I have with Experian regarding inaccuracies on my credit report. On XX/XX/XXXX, I contacted Experian about the following incorrect information on my credit report, and as of the date of this letter, they have not responded. I believe it is imperative to bring this matter to your attention to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$2500.00} ) : I dispute the reported Balance of {$2500.00}, as I recall it being lower. 
I request the deletion of Past Due information, as the account is closed and charged-off. 
Kindly mark this account as disputed to prevent any negative impact on my credit score. 

XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$400.00} ) : I question the reported Balance of {$400.00}, as I remember it being lower.

Past Due information should not be reported, as the account is closed and charged-off. 
I request that Experian marks this account as disputed during the resolution process. 

XX/XX/XXXXAccount # 1 ( Date Opened : XX/XX/XXXX, Balance : {$1700.00}, Original Creditor : XX/XX/XXXX ) : This account is not mine, and I request its immediate removal from my credit report. 

XX/XX/XXXX Account # 2 ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$560.00}, Original Creditor : XXXX  ) : I dispute the accuracy of this account and request its removal from my credit report. 

XX/XX/XXXXAccount # 3 ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00}, Original Creditor : XXXX ) : This account is not mine, and I request its immediate removal from my credit report. 

XXXX  Account XXXX Date Opened : XX/XX/XXXX, XXXX : {$280.00} ) : I dispute the reported Balance of {$280.00} and request its verification.

Past Due information should not be reported, as the account is closed and charged-off.

Kindly mark this account as disputed during the resolution process.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (KY)

In my efforts to avoid identity theft, clean my credit and bring my information up to date, I explained to XXXX that the XXXX in between my first name and last name is not valid, XXXX has ignored that and everytime I get letters from them, my name is written XXXX XXXX XXXX I sent driving license, social security card, and utility bill and also a notarized letter and the name remains the same My name is XXXX XXXX not XXXX XXXX XXXX
Consumer complaint received 2021-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX XXXX is currently reporting to two credit bureaus, XXXX and XXXX. I've made all of my payments on time, as well as kept my balance low on this card since I opened XXXX XXXX. I advised this company that I do not own a printer and they insist that I send them a blank copy of my report showing that they are not reporting to transunion. I also am not welcomed to going to a public library at this time as I have kept my word by paying my fees for credit card and any balances on time. My credit score for transunion is XXXX and for XXXX XXXX at this time which is tremendously different at eyesight. This is not fair to me as a consumer and false advertisement. XXXX claims to report to all three bureaus regardless of what the miscommunication is between the companies, I don't feel that this is fair reporting.
Consumer complaint received 2016-10-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have tried numerous time disputing inquiries on my report from XXXX XXXX to the present with bureau. I did not apply for a job or was granted credit with these people and want them removed. I have even tried sending letters to creditors with no response from the bureau or the creditors. Transunion also reinserted previously deleted inquiries in XXXX XXXX
Consumer complaint received 2017-05-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (IL)

Call ed PNC office today regardin g an issue with them using my additional {$200.00} pmt for the principal and applying it to my automatic pmt of {$280.00}, resulting in an {$83.00} draft from my bank and no additional pmt on the principal. Found out that the last {$200.00} check that I sent for the  XXXX    XXXX   pmt did arrive at the right time, had the words " apply to principal '' on the check, but they decided to apply {$170.00} to the principal and {$23.00} to the interest for no apparent reason, totally disregarding my instructions. Was told that the checks are not processed by a person so that must mean a machine is determining to disregard the instructions and they are taking money that was designated for the principal and applying it for the interest, I assume, to accelerate their interest pmt and decrease my principal pmt. Had I not caught this, in 5 years, when the loan is due in full, I would have not owed the actual amount that I should have, had they applied the money correctly. I was then told to insure that they money is actually applied to the principal, that I have to go to a branch office and physically watch the loan office apply the amount correctly.   I can o nly imagine how many pe ople are being affected by this scam and have no idea that not all of their additional money is applied to the principal as instructed.
Consumer complaint received 2020-11-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

My insurance and auto loan is with USAA. My vehicle was totaled and I am being asked to send a signed and notarized POA and affidavit of correction, and I was told to leave it blank so they can make changes to it.I was told they do this all the time. As far as I know you cant make changes to notarized document and Im not comfortable signing and notarizing blank documents for them to fill out later when Im not even sure what Im agreeing to. I was told if I dont they will not payoff the loan, they currently have me in collections charging late fees cutting of my credit cards, and reporting to the bureaus. Ive attached the documents they sent and was told to just sign and notarize, but leave the rest blank, and that theyll fill it out and I can trust them.
Consumer complaint received 2017-02-10
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: URS Holding, LLC (FL)

They call and ask for my personal information but will not tell me specifically what the call is in reference to beforehand or identify the account or company they are calling on behalf of - sometimes trying to get me to reveal my information in order to find out what the call is about. They sometimes leave messages that they will be taking legal action if I do not contact them by the end of the day. On occasion when I answer the call they make threatening statements and use intimidation tactics in an attempt to instill fear.
Consumer complaint received 2017-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (NY)

In  XXXX  of    2016  I moved from   XXXX   XXXX   to  XXXX   XXXX  and during the busy move missed my monthly payment. As a result, my account received a penalty APR that double d my original APR and raised my monthly payment substantially. I had made several charges related to the move and at first thought the subsequent increase in monthly payments was a reflection of the purchases charged to the account, when in actuality it was the result of the penalty APR that had been placed on my account. When I had learned it was due to a penalty APR I contacted American Express and told them why I had accidentally missed a payment, I was told they could not remove the penalty APR and I would have to wait for the APR to return to its original rate. Over the last 10 months that this penalty APR has been in effect it made paying my monthly bill difficult a  nd resulted in a late payment which apparentl y further extended the time my account would be subject to the penalty APR. I have called numerous times requesting the penalty APR be removed and have been told each time by the service representative they are unable to remove the penalty APR and I must wait. This is an unacceptable punishment for an accidental missed payment. Due to the high interest charged each month o nly a small percentage of my monthly payment is applied to my account 's overall principal balance, effectively keeping my balance at practically the same amount each month. I have been an American Express member for 9 years a nd this is a poor reflection on their commitment to helping their customers manage their debt effectively.
Consumer complaint received 2021-06-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have attempted to contact Capital One via Email, Phone and most recently Physical Mail, within various points of the last year. I have had no verification, communication, follow-up about this debt. I am asking that they remove the debt from all credit bureaus for neglect to verify any evidence of the debt, within more than a reasonable amount of time. The next step will be legal action if not complied within 3 Days of Capital One receiving this notice, which is to be recorded by the CFPB.
Consumer complaint received 2018-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

Still an issue within Santander Bank on credit card ending in XXXX that they ( bank ) are reporting to Experian. This are a matter that been in dispute since year XXXX when same account were charged from 2 different Banks, at the time XXXX XXXXXXXX XXXX and Santander ( previous XXXX XXXX ) that  became reach an amount of {$3100.00}!!! 

On XX/XX/XXXX XXXX XXXX, a representative of Santander sent a letter that say ( I do write the citation ) " In reviewing this matter, you opened a credit card with XXXX XXXX XXXX ( XXXX  ), which is an affiliate of XXXX XXXX XXXXXXXX ( XXXX ), in XXXX. The servicing of the credit card was transferred from XXXX to Santander in XXXX. As a result, any information on your credit report prior to XXXX would be the responsibility of XXXX and / or XXXX " 1 - I believe XXXX XXXX not aware what she did state, how could you be so affirmative of that when I have a Statement from XXXX XXXX, its the XX/XX/XXXX statement from the Bank, I do have more statements. 
2 - I do have the doc 's that XXXX sent Credit Card attached. its all genuine docs from Santander, XXXX XXXX. 
3 - I don't know about XXXX, XXXX XXXX XXXX, and SantandeXXXX ( previous XXXX ) are what appear claiming money on Credit Report. 
4 - Your letter that state like " Santander wash its hands on this " well, not so fast. do you really think I were so XXXX throw lies to the air without proves? No, I'm not so easy, not at all!!! 
5 - XXXX XXXX don't say what you may think would be more easy for you, or I may ask, are you trying divert things without being doing the correct thing? 
6 - I do have a original doc dated XXXX, XXXX that state " 3 Payments Past Due ''. This statement are what should be appear on XXXX  Credit Report, its the fair Report to do before you come always within the usual stand " The credit card was charged off on XX/XX/XXXX and the debt paid off on XX/XX/XXXX. 
What XXXX in perfect mind would paid same account to 2 different Banks? ANY out there? 
I did paid when things were clear, I believe so many out there would not care. 

Honestly, I care how much this could affect the Bank reputation, I believe I had been sweet until now, BUT, I will always come with more proves if in any moment I felt there lack of interest to solve this ...
Consumer complaint received 2016-10-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XXXX XXXX, 2016, I checked my credit report, all of my inquires were deleted from my credit report. I logged in today and there back on there. As a result my score went down.
Consumer complaint received 2017-05-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (WA)

I got my loans thru  XXXX   XXXX  now  Navient.  I got  XXXX  loans total. But in  XXXX   XXXX ,   XXXX   it got to the point because of the interest and the payments that I had to consolidate  XXXX  of my loans. So i could afford the payments and get a lower interest rate. My interest was from  XXXX  to  XXXX . They were not willing to work with me and did n't care about my life situation. So i consolidated with  XXXX  which brought my interest down and my payments down and actually making a difference in my grand total. But I still have  XXXX  more loans with Navient and they are now at 10.5 % and they said they could only reduce my payment by {$30.00}. I 'm stuck in the payment cycle and not making any leeway. I have a full time job, i own my home, and have  XXXX  kids. I 'm trying to get out of debt and they are sucking me dry. Now i have to do a refinance and borrow against my house to pay my student loans off so i can make a difference in my financial situation. Please do n't let them do this to anyone else trying to get out of debt but stuck in the student loan repayment  XXXX .
Consumer complaint received 2022-09-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.