davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (PA)

My complaint It's about Target red card overcharges I have attachments for proof I put them in order to the best I could The 1st 8 Attachments are screenshots from my target record of purchase history From XX/XX/XXXX to XXXX of XXXX All my purchases add up to {$660.00} The last attachment is a statement that I got from my bank ( XXXX XXXX ) added up all my payments to target from XX/XX/XXXX until now which adds up to {$740.00} is how much I've paid plus {$30.00} payment made later that day XX/XX/XXXX which adds up too {$770.00} paid.. I spoke with customer services today ( XX/XX/XXXX ) and I explained to him about the charges so I asked him to give me the round amount of all the interest fees counted up from XXXX to now XXXX, he stated that it was a {$120.00} So I went over the figures with him several times and I added the {$120.00} to the ( All of my purchases total/ $ XXXX XXXX - XXXX ( subtracted ) is my whole payments amount to them totals {$15.00} they claim that my balance owed is {$280.00} so after the customer server kept trying to say its the Interest fees I asked to speak with his manager When he got the phone I explained to him the same thing the amount that I paid From XXXX until now I even broke it down to him that I wasn't purchasing anything every month there were 2 to 3 months in between my purchases but my payments were still made and I also deducted the interest fee so he even agreed that it came out that {$15.00} is the balance..But then he tells me that he can't hear me on the phone he kept saying hello hello but I could hear him, then he stated that " all he can do is credit me {$7.00} that's it I still have to pay the whole amount of the {$280.00} and hang up the phone.. Today was my 3rd attempt to settle this matter with Targets customer service reps and managers.. So that's why I'm putting in this complaint here today...
Consumer complaint received 2020-08-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RS Clark and Associates, Inc. (TX)

I contacted RS Clark and Associates regarding a debt I allegedly owe and request validation of that debt. I sent the letter by certified mail to make sure they received it and they did ; it was received in their office on XX/XX/2020 with certified mail # XXXX XXXX XXXX XXXX XXXX. To this day, XX/XX/2020 RS Clark has ignored my request despite it being 72 days since they got the letter. They have not proved this debt.
Consumer complaint received 2020-06-22
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC (CO)

I reached out to ECSI via their contact us page 3 times and each time they closed out my request. I'm currently living and studying abroad and when I alerted the company ; instead of correcting my credit report as current and deferred, they closed all 3 cases. I live abroad and it is impossible with the time difference to contact them. During this pandemic is my school even completing any forms to show enrollment. What this company is doing is illegal, i even asked for a supervisor and instead they closed my request. 

XX/XX/XXXX - Ticket XXXX XX/XX/XXXX - Ticket XXXX XX/XX/XXXX - Ticket XXXX
Consumer complaint received 2020-04-22
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. (PA)

XX/XX/2020, I pulled my credit reports from Experian and XXXX  and I realized that there were unauthorized inquires on my credit reports. I sent letters to both bureaus, Experian and XXXX, stating that the information reported was inaccurate and requesting that it be removed and I haven't received a response.
Consumer complaint received 2024-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct this account immediately : XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-18
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: Experian Information Solutions Inc. (TX)

I have attempted to validate negative information furnished by XXXX XXXX XXXX to Experian the credit bureau. 
Neither company has provided me with any information to substantiate the negative marking on my credit profile. 

I asked Experian how the information reported was validated the information and received no response. 
I reached out to theXXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX directly and received no response until XX/XX/XXXX, which is far past the time to BOTH of my requests and they also failed to provide me with any documentation to validate alleged debt according to the law. They responded that my request for an investigation was frivolous. 

I sent another request for validation that shows received on XX/XX/XXXX at XXXX XXXX.
Consumer complaint received 2018-04-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (FL)

I have documentation where I made several attempts to defer a student loan payments. 

I spoke with several representation from the company that inform me what application forms to complete. I did the application process as instructed and response was denied or we need more information. 

Every response was met with diligence and care .. yet I kept being denied. 

The loan was then sent to a creditor the called and harassed me, my son, my father and sister, when I have made all attempts to resolve the issue. 

The name of the company : American Education Services
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-03-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I wanted to sublease my apartment, one person contacted me saying she is moving to my apartment with her new job. She sent two cheques to my address saying the company sent it for her moving cost. she told me to deposit those cheques and transfer via XXXX. I deposited two cheques on XXXX XX/XX/2021, total amount XXXX , after I transfer, the cheques got bounce back and i lost all my money. I notified Bank of America. They couldnt resolve the issue yet.
Consumer complaint received 2020-07-18
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: Experian Information Solutions Inc. (TX)

Year 2020 on XX/XX/XXXX, XX/XX/XXXX, and XXXX I filed a dispute with XXXX  and Experian for XXXX XXXX XXXX  and XXXX and it keeps coming back verified within XXXX days. 

I requested on XX/XX/2020 a method of verification from both XXXX for each item, I attached the past disputes, as well as the supporting documents from those creditors ; on XX/XX/2020 if was returned as verified from Experian and XX/XX/2020 it was returned as verified from XXXX. When it returned as verified it did not explain how with the method of verification that the creditor is providing the bureau. 

XXXX XXXX Bank is reporting inaccurate information on my credit file and I have provided both XXXX  and Experian with letters directly from the creditors showing that the information that is being reported is inaccurate. 

XXXX no longer holds this credit file and it is now being managed by XXXX . I have provided both XXXX  and Experian with documentation directly from the creditor. I have spoken with XXXX and they have advised me that they no longer have the account and they told me to contact XXXX . 

I have repeatedly over the past 2.5 months gone back and forth with these bureaus regarding this matter. I have requested a method of verification from XXXX  and Experian. They have both been unable to provide me with this information and is still reporting the 2 items on my credit report. The method of verification has not been provided at all. It is my understanding no investigation is being done and my documents are being ignored despite them showing and saying the documents and dispute have been received. The following 2 items XXXX XXXX XXXX  and XXXX need to be deleted immediately from XXXX  and Experian due to it being inaccurate.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXXXXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX XXXX XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX and TRANSUNION by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2020-07-01
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: Shellpoint Partners, LLC (VA)

It has been brought to my attention that my credit report has been negatively affected due to a mistake by my mortgage company ( NewRez ). 

I paid a senseless late fee that I should have never been charged and my account is current, yet this company has failed to remove a negative dispute/flag from my credit report. 

As much as I want my {$75.00} late fee back, which was never warranted, all I really NEED is for this error to be corrected so that my credit score can be normalized. I have always had excellent credit until dealing with this company ( NewRez ). 

In over 10 years of owning homes I have never had a late payment. The NewRez processing department failed me and then put all the blame on me. ( All the proof needed is in my credit history and bank records. ) Getting somebody on the phone at NewRez is impossible and further displays their total disregard and lack of customer service. 

I have called and emailed NewRez for months now trying to get this resolved and to no avail -- I can not get anybody to respond to me regarding this matter. 

It feels extremely troubling that I am essentially a victim to the subpar service from NewRez. 

This matter has been ongoing for several months and it needs to be resolved urgently. Unfortunately, I am unable to move forward with other financial matters until this is resolved. 

I sincerely hope that this message reaches someone who can help me. Thank you
Consumer complaint received 2020-07-18
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. (OH)

Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible  accuracy, of the information on my credit report
Consumer complaint received 2020-07-18
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. (TX)

all ftc violations listed : XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term XXXX  Months Monthly Payment {$850.00} Responsibility Joint Account Balance {$39000.00} Highest Balance {$37000.00} Payment Status 90-119 Days Late Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$3000.00} Times 30/60/90 Days Late 3/3/1 Remarks Affected by natural disaster Creditor Name XXXX XXXX Account Type Telecommunications/Cellular Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$360.00} Highest Balance {$360.00} Payment Status Collection/Charge-Off Worst Payment Status - XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$130.00} High Balance {$130.00} Remarks Medical XXXX XXXX {$330.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX  Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$330.00} High Balance {$330.00} Remarks Consumer disputes this account information XXXX XXXX XXXX {$200.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$200.00} High Balance {$200.00} Remarks Medical XXXX XXXX XXXX  {$830.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$830.00} High Balance {$830.00} Remarks Consumer disputes this account information XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$130.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX + {$360.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$150.00} Original creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$830.00} Original creditor : XXXX XXXX XXXX
Consumer complaint received 2022-09-12
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has vilolated 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 2021-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

THE 3 CREDIT BUREAUS AND XXXX ARE NOT REMOVING THE LATES FROM MY CREDIT REPORT. THE MOTOR BIKE WAS A TOTAL LOSS THE INSURANCE PAID THE ACCOUNT AND I ALSO MAILED A PAYMENT IN. I HAVE PROOF BELOW.
Consumer complaint received 2020-10-20
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: Experian Information Solutions Inc. (CA)

My complaints were never even addressed. Experian said it appeared as if I wasn't making the appeal myself so they fully disregarded it. I was making the complaints and I had my ID notarized as proof of my identity. XXXX XXXX  has sold this account that they are reporting late each month. I asked them about it and what could I do to get it off my account. They said they couldn't take the payment because it has been purged from XXXX and it is no longer with them. This is inaccurate information they're reporting, they are saying I'm late each month on whatever account this is, and they are refusing to take payment so that I can remove it. They said for me to contact an outside company to take care of it. XXXX XXXX  sold the account and they were paid for it, received a tax write off for a loss, and now they are attempting to get paid again from me. I requested who should be paid and they said XXXX XXXX, which directly contradicts XXXX XXXX  saying I'm not paying them.
Consumer complaint received 2024-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$180.00} ; XXXX XXXXXXXX Balance : {$250.00}.
Consumer complaint received 2021-04-24
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. (TX)

THE 3 CREDIT BUREAUS AND XXXX ARE NOT REMOVING THE LATES FROM MY CREDIT REPORT. THE MOTOR BIKE WAS A TOTAL LOSS THE INSURANCE PAID THE ACCOUNT AND I ALSO MAILED A PAYMENT IN. I HAVE PROOF BELOW.
Consumer complaint received 2020-07-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Schrier, Tolin and Wagman, LLC (VA)

case number XXXX the paperwork about the Garnishment was not sent to my current address in XXXX XXXX. XXXX   instead it was sent to my brother XXXX in XXXX  XXXX. I moved from XXXX   XXXX in XXXX. The credit card debt is from XXXX when I lived in XXXX XXXX . I moved from XXXX XXXX In XXXX they had placed a judgement on me in XXXX  XXXX in XXXX. I assume there is a deadline for being able to collect. In my Last paycheck from XXXX my employer The Garnishment amount is the full 25 % they can collect. I would like to claim the Homestead exemption of {$5000.00} ( 34-4, Code of Virginia  ) since I do not have any assets. I have medical bills for a long term condition that i can go into more detail I live in an XXXX XXXX XXXXXXXX XXXX  it is a housing for people in XXXX. The full garnishment is a burden
Consumer complaint received 2017-08-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc. (GA)

NCC Business solutions is currently stating that I owe them {$520.00} for a debt for an apartment building I never lived in. The only thing I did was submit and application to live at the apartment building and I was turned down. The application for the apartment building was only {$25.00} which I paid at time of application. I am confused to as to why they are stating I owe them {$520.00}. The original creditor/Owner of the debt as acknowledge that his debt is not mine and have made attempts to solve this matter but NCC business solutions has not budge.
Consumer complaint received 2024-03-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (OH)

Sent first dispute letter XX/XX/2024, no response from companXXXX XXXX XXXX XXXX XXXX XXXX  Sent follow up dispute letter to company XXXX XXXX XXXX XXXX XXXX on XX/XX/2024 Reporting same debt twice on credit report
Consumer complaint received 2021-03-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

I am not the person being affected by this complaint. Let me explain -- I am a mortgage loan originator ( NMLS XXXX ) and recently had two past clients contact me about refinancing their jumbo loans. By refinancing I was able to reduce their rate a full point saving them thousands of dollars. Of course there are fees to refinance and they were accepting what I quoted them. Both clients completed the loan application and I pulled their credit report and submitted both files to my processor. About 2 weeks after I started the process both clients received a letter in the mail from Chase bank offering to reduce their rate for free!!!!! I finally figured out that Chase is likely paying a credit monitoring company to alert them when their clients credit report is pulled by another mortgage company so they can contact them to keep the deal in house. I told my clients I do not blame them one bit for cancelling my refinance and told them congratulations. 

What bothers me is what about all of their other mortgage customers who are not offered a lower rate for free? Chase bank only offered this once they found out they could lose a customer due to refinancing. This is not fair to all of their other mortgage customers who will not get a letter like this. They are not treating their customers equally and fairly and should have to offer this to all customers, not just those they could lose to refinancing. Why should others at high rates continue to have a high rate while they offered this to my two clients for free. 

By the way, both of these loans were jumbo loans with average loan amount of {$900000.00}. If they do not offer this to lower loan amounts is this not discriminatory?