davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-19
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. (WI)

On XX/XX/XXXX I sent a certified letter to TranUnion disputing the reporting of a bankruptcy on my credit report. FairCredit Reporting Act 623 ( a ) ( 3 ) provides that the credit bureau must verify all information reported with the ORIGINAL creditor. US Federal Bankruptcy court does not report to any credit bureau nor will they verify that information is accurate. The credit bureaus Use of a 3rd party, and claiming verification is not only false it violates Fair Credit Reporting Act 623 ( a ) ( 3 ).

On XX/XX/XXXX I reviewed my TransUnion credit report and the Bankruptcy Remains.

On XX/XX/XXXX I received a letter from U.S. Bankruptcy Court, Eastern District of Wisconsin stating that the court does not report any information to any credit agency.

On XX/XX/XXXX I sent a certified letter to TransUnion again showing proof in the form of the letter from the bankruptcy court, and therefore they must remove this bankruptcy from my credit report.

TransUnion received my letter on XX/XX/XXXX On XX/XX/XXXX I again reviewed my credit report verifying that XXXX has not removed the bankruptcy from my credit report in violation of the Fair Credit Reporting Act.
Consumer complaint received 2020-12-07
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO LOAN OR LEASES 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.
Consumer complaint received 2021-02-03
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. (MD)

XX/XX/2020, I put a fraud Alert on my credit report with Transunion and XXXX. The fraud account have not been removed from credit report. I have submitted the Federal Trade Commission Identify Theft Report XXXX - Police Report number XXXX, Officer XXXX, Badge # XXXX. I have reached out to XXXX XXXX Bank, XXXX XXXX XXXX XXXX, XXXX and XXXX Bank by mail and phone with no success removing the fraudulent accounts off my credit report. I have reached out to XXXX and Transunion by mail and phone with no success removing the fraudulent accounts off my credit report. 

Thanks you
Consumer complaint received 2020-06-02
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC (PA)

HELLO this collection company repeatedly contact me even when I have ask not to do so. The debt was unknowingly refer to collection with no prior duscuss or formal communication by the company XXXX. I also notice on the correspondence the amount of the debt is higher than reported on the credit report. Collection agency added fees. I never heard from XXXX or was advice of any debt till view in my credit report and a new collection agency took over. I repeated inform them to stop and they have ignore this request.
Consumer complaint received 2018-07-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MA)

I have called the bank multiple times over the last six months about the foreclosure. i can say it is nearly impossible to speak to a human being and after the answer i am transferred to three more departments. I've tried to work a payment option with the bank ( Wells Fargo ) but they told me i have to pay the whole back payment in full f i wanted to keep the house. I am trying to find out  information about the foreclosure. There is nothing posted on any website. I want to keep my house.I feel like I'm not getting services from the bank that I should be receiving.
Consumer complaint received 2021-02-03
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. (NH)

I have been trying for over 3 years to get XXXX, XXXX, and Experience, to remove a collection account that has been closed they refuse to close it and continue to leave them on my report everytime I disputed an item after the dispute is done my score goes down as much as 22 points
Consumer complaint received 2021-02-03
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. (NH)

I have been trying for over 3 years to get XXXX, Transunion, and XXXX, to remove a collection account that has been closed they refuse to close it and continue to leave them on my report everytime I disputed an item after the dispute is done my score goes down as much as 22 points
Consumer complaint received 2017-12-19
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: ONLINE Information Services, Inc. (GA)

To Whomever This May Concern : My name is XXXX XXXX XXXX and I have 3 collection accounts on my report that do not belong to me. Also one of the companies are reporting twice on my report, which is, Online Information Services with 2 different amounts, and XXXX XXXX. These items do not belong to me at all. I am attaching my police report and my DL attached to this complaint. The 3 items listed are : Online Information Services-XXXX, Online Information Services-XXXX, and XXXX XXXX. These items need to be removed off of my report immediately or I will be filing multiple complaints with the Attorney Generals office and the FTC. Thank you in advance.
Consumer complaint received 2017-12-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation (NC)

I Have borrowed XXXX dollars with a repayment of XXXX dollars by weekly. I have made my first payment and noticed that it only credited me for {$10.00}. I called the company quickly only to descover that XXXX dollars go to the princpal and the rest go to the interest of the loan. I will have a total of XXXX payment of XXXX dollars to repay a XXXX dollar loan. I am a single mother I can not afford this. Please help.This will be XXXX dollars in the end. I started the loan XXXX/XXXX/2017.
Consumer complaint received 2017-12-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have made a dispute concerning the adverse accounts that should be removed from my credit report as per FCRA. Neither the creditor or the credit reporting agency will remove the items disputed. These items disputed are either fraudulent and or unverifiable and no proof has been give regarding the accuracy of the items. 

Remove : XXXX/XXXX XXXX/XXXX XXXX BANK XXXX XXXX OF XXXX XXXX XXXX XXXX/XXXX
Consumer complaint received 2021-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (IL)

On XX/XX/XXXX, I received notice via email that my Chime Bank Account was suspended due to an " unknown deposit ''. Chime asked me for a copy of my drivers license, proof of residency, and an explanation of the deposit. The " unknown deposit '' was my husbands paycheck which has been getting deposited into my bank account every two weeks since XX/XX/2020. I received a response that my bank account would be reinstated after they investigated within 48 hours. It has been SEVEN DAYS now and I have received no reinstatement and no access to my funds ( over {$5000.00} in checking and savings ). I spoke to someone on XX/XX/XXXX and they assured me that my case was escalated and the Suspensions team would get back to me within 48 hours. On XX/XX/XXXX, I received and email requesting my ID, proof of residency, and any evidence. I called Chime that morning because I had already done this on XX/XX/XXXX. I was told they would escalate my case and that it had not been escalated on XX/XX/XXXX like I was told. On Monday, XX/XX/XXXX, with no access to my money to buy my children food, I called Chime once again. I was told that my case was never escalated and the Suspensions team had never even seen my emails. I was then transferred to a supervisor, XXXX, who told me my case would now be escalated. I asked to close my account and was told I could not until I had my suspension lifted. I asked if I could speak to the suspensions department and was told they only email. 7 Days later, I have no access to ANY of my checking or savings, and NO RESPONSE FROM CHIME BANK.
Consumer complaint received 2022-04-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Fleet Financial, Inc. (MD)

iLendingDirect is misleading customers. They gloat their online refinance process can be completed within XXXX minutes, but this is a lie. You submit an application online, they send you fake and misleading offers. Then they harass you with phone calls to then ask the same exact information again and submit another application. They have no secure way to upload documents and my loan XXXX wanted me to text them to him. They then take multiple days to obtain offers, even though I already applied online and accepted XXXX. My loan XXXX XXXX, will now not notify me of my offers unless I call him back. I asked to be emailed this information but he is refusing. They have now ran my credit under false pretenses. 

I have read online iLendingDirect is putting XXXX, warranty and fees onto contracts without prior customer approval and are using their phone system, which is hard to hear, to scam customers. They state they need records of the conversation, I argue it is of utmost importance the customer has records of all conversations in situations like this. An email is a record of that conversation for both parties. 

This whole entire process is nothing short of a scam, false advertising and honestly a lie. It is very one sided and this pushes these predatory practices onto unsuspecting people who may feel pressured to accept thing right away without prior review or knowledge. iLendingDirects system is extremely predatory.
Consumer complaint received 2017-12-19
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: State Collection Service, Inc. (OH)

XXXX XXXX XXXX is collection on behalf of XXXX XXXX. I do not disagree that the debt is likely valid and I will settle via XXXX. 

This company is spoofing its outgoing phone numbers to appear to be different phone numbers in WI. EX : XXXX called me at XXXX on XX/XX/XXXX. The actual phone number for this company is XXXX. 

In addition, when called on XX/XX/XXXX by this company I answered this WI phone number. They asked me to verify my information, even though they had called me via a dialer. I asked if this was an attempt to collect a debt because via my FDCPA rights they are required to tell me this is an attempt to collect a debt regardless of who is on the phone. They refused to tell me what company was calling or why, including the supervisor I was transferred to despite my protections under FDCPA. 

In addition, when I finally called back and verified, they did not tell me that I could dispute the debt or that I could request the name and address of the original creditor, which is part of my protection under the law. They gave the disclaimer, said they were collecting from XXXX a $ 100ish amount. And asked how I would like to pay.
Consumer complaint received 2017-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion continues to violate the FCRA by submitting unverified information to my credit file without my knowledge. I have recently had an unverified item deleted from my credit file and it was reinserted without my knowledge. The information still has not been validated or verified by the credit reporting agency, yet they have allowed a third party collection agency that is operating Illegally to submit this information to my file. The third party company XXXX XXXX XXXX and XXXX XXXX XXXX are both operating illegally because they are not licensed in the State of Texas as a Collection Agency. I have contacted my State Secretary with the names and addresses of the collection agencies that are reporting this information and they are not licensed. I have attached proof. Despite all of these things, this credit reporting agency still reinserts the information to my file without my knowledge, and knowing that it has already been previously deleted for not being valid.
Consumer complaint received 2021-07-12
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. (OH)

The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the accounts is not mines and is reporting inaccurately : - XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX  XXXX XXXX -XXXX XXXX XXXX  # XXXX -XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX -XXXX XXXX  # XXXX -XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2020-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (OR)

My credit card account was accidently pulling from the wrong account from my credit union to the Chase Credit card ( the ACH account number was off by one number ). I didn't notice it for several months but my balance was always paid on time and without any delinquency. In XXXX, I contacted my credit union to have the funds paid from the right account and they suggested having Chase reverse the fees. Chase proceeded to tell me they would do that for me without issue. On XX/XX/2020 the amount of {$1800.00} and XX/XX/2020 {$460.00} were paid in full from the reversed charges. My balance was zero at the time from the reversed charges. 

Chase and their backend process now started having issues and an ACH stop payment from the account. Despite paying for all the charges that I had incurred from the beginning of the year, they started to rebill me for the payments that I had made. I started having returned payment fees and they would not backdate the payments that I paid in full. My credit dropped 196 points. Random charges started showing up from returned payment despite my account being paid in full. Never at anytime was Chase ever not without a payment. I've been on 6+ phone calls for an average of 30 minutes to have them correct their backend issues. Because of their back end issue now they have closed my account because of whatever reason. 

1. They ruined my credit by 200 points. 
2. They won't backdate the payments despite paying it in full and was never delinquent. 
3. I have called XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20 with them continually adding fees that should never have been incurred. 
4. They have closed my credit card account now despite being in great standing with them for no reason. 

My credit card was started XX/XX/2020. As a consumer I am very frustrated with how this handled. I tried to do the right thing once I discovered the mistake. But all it turned into was a big headache.
Consumer complaint received 2019-08-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

Wednesday, XX/XX/2019 MR. COOPER Consumer Financial Protection Bureau Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX, TX XXXX Reference : Account # XXXX ( hereinafter the subject loan and is the reference for all questions and requests described below ). 

Follow-Up on : QUALIFIED WRITTEN REQUEST, COMPLAINT, DISPUTE OF DEBT AND VALIDATION OF DEBT LETTER, TILA REQUEST of XX/XX/2019. 

Dear Sir or Madam : Regarding the letter I sent you dated XX/XX/2019, via Certified U.S. Mail # XXXX, the letter titled QUALIFIED WRITTEN REQUEST, COMPLAINT, DISPUTE OF DEBT AND VALIDATION OF DEBT LETTER, TILA REQUEST. The letter was received and signed for by your representative on XX/XX/2019. ( See U.S. Postal Receipt below ) On XXXX XXXX, 2019 your company received a 14-page Official letter from Property Owner XXXX XXXX XXXX. In part that letter read, I hereby demand absolute 1st hand evidence from you of the original uncertificated or certificated security regarding account # XXXX. 
Do you claim that your company ( doing business as Mr. Cooper ) has answered all the requested enumerated documents demanded in the letter that you acknowledge receiving on XX/XX/2019, and that you completely and honestly responded in full, and you declare under penalty of perjury that you answers all my questions truthfully and you have supporting documentation for your claims? 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-08-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of Little Falls, Inc. (MN)

I am trying to pay stuff off that are showing up on my credit report. I reached out and spoke with one of the head guys named XXXX XXXX and said I would pay the XXXX collection on my credit report. He said I had some old accounts through their office ( totalling around 1000 ) I told him I do not have the money to pay everything and only want to pay whats affecting my credit reports at the moment. He told me he would not report paid satisfactorily in full to the credit bureaus for he XXXX unless I paid everything else he had. I want to pay this XXXX check for XXXX XXXX XXXX because they are nice people and I want it removed from the credit report or say paid in full so it doesnt negatively affect my credit anymore. Thank you.
Consumer complaint received 2017-12-19
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. (FL)

On XXXX XXXX 2017 I called Equifax at phone number XXXX and spoke to a woman by the name of XXXX I expressed to her that I wanted to request method of verification under section 611 of the FCRA she quoted to me a portion of the law and stated that she is not required to provide method of verification I then asked for her ID number she stated she did not have one.I find it absurd that she would not provide me with a method of verification for a disputed item belonging to a XXXX # XXXX reporting on my credit report because if you get a response to your dispute from the credit reporting agency saying the disputed item was verified you have the right to request the method of verification under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). The confirmation number she provided me for this call was XXXX  clearly she does not know the law and now Equifax is in violation of the federal law!
Consumer complaint received 2021-07-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

My loan was FORGIVEN NAVIENT SOLUTIONS refuses to follower through with this. They harass me all the time. 
Leaving voicemail sending letters Having the NY State Higher Ed Service Corp call me
Consumer complaint received 2019-11-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Dynamic Recovery Solutions, LLC (NJ)

Dynamic Recovery Solutions this is the 2nd bill I got from 2011. I made a deal with them for the first one I was on the phone with these people and she never once said I had another medical bill from 2011. I have been on disibility for 9ansd half years and this is the first time getting these bills. I was never informed of dispirited or never received a letter from them this crazy. Iam XXXX I dont care who lives in the XXXX White House he pushing my buttons and XXXX XXXX is too. If u cant help me send me to someone that can. Also I just made my first payment last week and that is it I will be asking them to remove my debit card. Then she threw in that its going on my credit report as a paid not in full 7 years I thought that was the rule I guess XXXXXXXX XXXX XXXX the XXXX its different in America. These bills are way over 7 years if I have to wait 10 I will.
Consumer complaint received 2017-12-19
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: Diversified Consultants, Inc. (GA)

To Whomever This May Concern : My name is XXXX XXXX XXXX and I have 3 collection accounts on my report that do not belong to me. Also one of the companies are reporting twice on my report, which is, XXXX XXXX XXXX with 2 different amounts, and Diversified Consultants. These items do not belong to me at all. I am attaching my police report and my DL attached to this complaint. The 3 items listed are : XXXX XXXX XXXX-XXXX, XXXX XXXX XXXX-XXXX, and Diversified Consultants-XXXX. These items need to be removed off of my report immediately or I will be filing multiple complaints with the Attorney Generals office and the FTC. Thank you in advance.