davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc. (CA)

I received a letter last week from USCB XXXX, attempting to collect on an alleged debt owed by me to XXXX XXXX XXXX in teh amount of {$15.00} plus interest of {$2.00}. The service date referenced was XX/XX/2018. I did not even live in XXXX XXXX at that time, and I believe I had already switched insurance. I was never sent a bill for this in the past, as I would have quickly paid a {$15.00} bill.
Consumer complaint received 2017-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I have already submitted multiple complaints that have been closed but not satisfied satisfactory. Please dig deeper and more seriously into this to satisfactory resolve my issue. My issue is again ; MY COMPLAINT XXXX XXXX XXXX OpenedXX/XX/XXXX {$170.00} Original creditor : XXXX XXXX XXXX I have legal documentation that this account was stated as CLOSED and that their would be no further financial obligations as of XX/XX/XXXX <P/>Please reference attached documents again. Case # XXXX CLOSED, BUT NOT SATISFIED Case # XXXX CLOSED, BUT NOT SATISFIED Confirmation # XXXX This matter has been cleared and satisfied with my XXXX  Credit Report but not on my EQUIFAX Credit Report. Please assist, or force assistance in cleaning up my Equifax Credit Report regarding this FALSE information.
Consumer complaint received 2018-07-05
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION (MD)

The Navy FCU is collecting a auto loan debt. I lost my job XX/XX/XXXX and did not work again XX/XX/XXXX. I tried to mitigate missing payments immediately but Navy FCU would not work with me. I could not pay. 
Fast forward, the car was repossessed, XX/XX/XXXX and the FCU rep stated i need to pay {$10000.00} by XX/XX/XXXX. I explained that i could pay it off but needed more time. He stated he would give me until XX/XX/XXXX. The last conversation i had with him was XX/XX/XXXX where he stated i could pay car off then call car storage company to pay storing fee. I called them XX/XX/XXXX. They said they do not have car and car is already at auction house. If i want belongings i need to contact XXXX XXXX. I called XXXX XXXX they stated they do not have the car and do not know where the car is. 
I attempted to call XXXX XXXX back on XX/XX/XXXX but he was gone for the day and another FCU rep reviewed my account. She stated the Navy FCU gave me until XX/XX/XXXX to pay the balance and not XX/XX/XXXX as stated by first rep. 
Out of all this : 1. Navy FCU rep falsified the timeframe the bank was actually given me. XXXX vs XX/XX/XXXX. 
2. The company supposedly storing my car is located in XXXX and has already sent car to auction house but will charge me a daily storage fee. 
3. I changed my address and have not received term notification. 
4. My car location is too far for me to get my property out of. 
5. I have been out of the country from XX/XX/XXXX-XX/XX/XXXX. 
I am stuck trying to get car back and property in car!
Consumer complaint received 2018-07-05
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Levon Gukasyan DBA Garman Financial (CA)

I have a loan with GARMAN FIN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX   and GARMAN FIN with no successful resolution. XXXX, XXXX  and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XX/XX/XXXX.
Consumer complaint received 2018-07-05
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (CA)

I have a loan with XXXX XXXX/NAVI. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX/NAVI with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XX/XX/XXXX-XX/XX/XXXX.
Consumer complaint received 2022-09-14
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: CITIBANK, N.A. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and delete : CITI XXXX Date Opened : XX/XX/2012 Balance : {$0.00}
Consumer complaint received 2021-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

During the past five years I had been harassed by USDE on whose falsely made claims to IRS on overcharges on paid off student loans I had, also IRS were taking my tax return to paid unpaid business taxes reported to them as independent contractor under my legal name XXXX XXXX XXXX, I also filed complains because Transunion credit bureau fraudulently allowed XXXX XXXX from California misrepresenting and accessing my credit file and placed her fraudulent loan as add on in connection with an existing record of my student to cover up her fraud in order to fulfill her economic crimes and XXXX. 
Attached find the reason why only TransUnion credit bureau had outstanding debts reported on my credit file and others credit bureau had XXXX balance and reported my student loan paid off, and had gone nothing to clear it, just TransUnion! 
As mentioned before I had security freeze on my credit file since 2010, I recently logged into my credit file to change my password, and noticed that my logging were linked to the spy location address XXXX XXXX in California and PA, not my location I live in XXXX, Florida, I had never been in PA neither in California, also I noticed they were also registered as business inquire and linked to a business name XXXX XXXX XXXX, which is my real legal name, birth name, and accessed my file without having my password neither my pin, which mean to me they are being using my personal logged in to get my credit file in connection with their business, to cover business entity and XXXX XXXX in California, which is a fraud and identity theft FS, XXXX therefore it means to me that XXXX XXXX has an insider helping her with her fraudulent and abuse economic crimes, his name is XXXX XXXX who is nothing less than a senior Manager of TransUnion credit agency. The address listed on the business inquire as my location is XXXX XXXX residence address located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX, and he phone listed on the business inquires are also TransUnion credit bureau phones XXXX, XXXX, XXXX, see attached evidences and proof Now you have everything to made an arrest, forward complain to the FBI and arrest this is the XXXX XXXX XXXX in TransUnion using my name as business, and committing fraud, placing loans under my social security, the domestic XXXX is covering their operation using with citizen existing loan to add on their own loans which in my opinion could be loan for financing domestic XXXX and they are using good citizens with good credit record. I am sure the US department of education has another XXXX XXXX working on their domestic XXXX operation covering up their operations
Consumer complaint received 2022-09-14
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: TD BANK US HOLDING COMPANY (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : NORDSTM/TD XXXX Date Opened : XX/XX/2019 Balance : {$0.00}
Consumer complaint received 2018-07-05
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: CITIBANK, N.A. (NC)

I walked in to bestbuy to purchase a product with cash. I was then offered a store card by an employee at bestbuy. I insisted in getting the store card because j knew I would be denied because my credit was not the best at the time and I did not want to geberate an inquiry on my report. The employee then insisted and told me the the application would not generate an inquiry in my credit. Trusting his word I then proceeded with the application and minutes later received an inquiry. I would like to have this removed because of the misguided information I was given at the store.
Consumer complaint received 2020-08-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (GA)

This company has put a debt on my credit report that doesn't belong to me, how can I owe this debit when another company outside of this company is trying to collect from me as well on the same debit. this is very frustrating as this is hindering me from getting credit.
Consumer complaint received 2018-07-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

I am filing complaints against my loan servicer XXXX  regarding the following issues : There is lack of clarity on the qualifications of public loan forgiveness. I signed up for public loan forgiveness, which was completed by my employer, XX/XX/XXXX. However, I didnt get a response from my servicer, XXXX, as my loan consolidation did not get approved until XX/XX/XXXX. When I received the approval letter from XXXX in XX/XX/XXXX, the letter stated that I had zero qualifying PLF payments. As a result, I interpreted this as a rejection letter because I had been working there since XXXX and made timely payments. In hindsight I realized that the starting period for PLF actually started XX/XX/XXXX because that is when my loan consolidation was approved. Moreover, I didnt know that the PLF certification form was to be submitted to verify qualifying payments retrospectively. Because of this fear that I wasnt on public loan forgiveness, I started to pay more per month than the designated IBR amount. Having doubts, in XX/XX/XXXX, I called XXXX to verify my public loan forgiveness, and they stated that I actually qualify for it. Because of this, I had requested the previous additional monthly loan payments to be re-issued back to me, so that my previous payments would qualify for public loan forgiveness. During this time, I had requested that the previous loan payments, now with IBR amount to be considered as qualifying PLF payments. 
I again contacted XXXX in XX/XX/XXXX requesting that the previous payments, now with the designated IBR amount, to be considered for public loan forgiveness qualifications, but it has been almost three years and I have not heard anything from them. I have routinely called them quarterly and I continue to get a response stating it is still being evaluated. 

There are two issues I would like to resolve : 1. I am inquiring if my previous payments from XX/XX/XXXX to XX/XX/XXXX to be qualified for public loan forgiveness payments. 
2. I am requesting a timely response to the above issues as I have been waiting for almost three years now for a solution. 

Please help me expedite and clarify my above situation.
Consumer complaint received 2018-07-05
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. (FL)

Good Morning I am submitting an Complaint that I have with XXXX, XXXX, and Experian regarding XXXX  XXXX this company is reporting a 30 day late for XX/XX/XXXX, a 60 day late for XX/XX/XXXX, a 90 late for XX/XX/XXXX, a 120 day late for XX/XX/XXXX, 120 day late for XX/XX/XXXX, a 120 late for XX/XX/XXXX and another 30 day late for XX/XX/XXXX. I disputed with 609 letters for several months starting in XX/XX/XXXX, citing unverified lates reporting however it always came back as verified with the 3 bureaus. I suspect XXXX auto verification is being used because when the bureaus were responding it always came back with the same generic auto response of verified or meets FCRA. This is a violation of my rights because they were not doing their due dilligence investigating. Furthermore I asked for the method of verrification because there was no lates on my behalf. Please have them update all the lates on my credit report to positive.
Consumer complaint received 2018-07-05
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: EQUIFAX, INC. (FL)

Good Morning I am submitting an Complaint that I have with Equifax, XXXX, and XXXX regarding XXXX  XXXX this company is reporting a 30 day late for XX/XX/XXXX, a 60 day late for XX/XX/XXXX, a 90 late for XX/XX/XXXX, a 120 day late for XX/XX/XXXX, 120 day late for XX/XX/XXXX, a 120 late for XX/XX/XXXX and another 30 day late for XX/XX/XXXX. I disputed with 609 letters for several months starting in XX/XX/XXXX, citing unverified lates reporting however it always came back as verified with the 3 bureaus. I suspect XXXX auto verification is being used because when the bureaus were responding it always came back with the same generic auto response of verified or meets FCRA. This is a violation of my rights because they were not doing their due dilligence investigating. Furthermore I asked for the method of verrification because there was no lates on my behalf. Please have them update all the lates on my credit report to positive.
Consumer complaint received 2018-07-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: WLCC (MD)

I had to use three deferrals for this pay day loan. The first one was due to a family member 's death, and I had to go home for the funeral. So, I did not have the money to pay them. The 2nd time, I was sick and off work for a while. I am paid hourly. Therefore, my check was short. They deferred it the 2nd time. I requested to pay a short amount the 3rd time because of the same issue as the 2nd. 

This past Tuesday, I called asking to make a shorter payment or an extended payment plan because I am on leave from work until XX/XX/XXXX, and I do not have to disclose these reasons to them. The account manager demanded I get a letter to them from somebody at my job. I work for a city legal agency. We may be part of the city, but we run as our own organization. The person that writes these letters is out the office until XX/XX/XXXX. They still want to run my account, after I pled with them to reduce the rate. the account manager is cold hearted and callous. In the last few months, I have dealt with death in the family, health issues both mental and physical, and to have a rude person demanding a letter because he doesnt believe me is down right disrespectful. I have taken out a loan from them twice and paid them off before the maturity date. So, if they were really looking at my history, instead of being rude and inconsiderate they would try and work with me, instead of trying to catch me up in a lie. I attempted to work a payment plan out until I could make full payments again. I did a good faith effort and my due diligence. They have hid my loan agreement online. I can only see my payment plans. I want to know my options. I have been able to work out agreements with most of my debtors, but this one wants to be inconsiderate. I placed a stop payment on my account because as I told them, I do not have the money. I am barely receiving anything and barely have family to help me make rent. It is truly sad that an account manager, whose money isnt even involved in this matter, it is the money of the company, could be so spiteful and instead of being willing to have some money come in or wait until a leave letter is able to be sent a few days later, insinuates I am lying. I demand them to stop calling me and an apology. I will be reporting them to my AG Office, as  well.
Consumer complaint received 2018-05-31
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: Convergent Resources, Inc. (LA)

I submitted a complaint back in XX/XX/XXXX and spoke to someone at XXXX XXXX. That's how it was listed on my credit report then. Now it is listed on my credit report as XXXX. It was investigated by y'all, XXXX , and XXXX  , and found that it was NOT my account and it was removed! Now it is back on there under XXXX. This is the SAME account that was listed under my credit report for the last 4 years under XXXX and three other collection agencies because it is not now nor has it EVER been my account. They even sent me an email and called and said that it was not my account. I want this taken off of my credit report. NOW!!!!!!!
Consumer complaint received 2023-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

XXXXXXXX XXXX  XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-07-05
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Ameritech Financial (PA)

Ameritech financial mislead me, basically lied about a program for student forgiveness. During this process I was charged XXXX dollars to enroll and a monthly payment of XXXX dollars a month that didnt go towards paying my student loans off at all. When I realized this I called the company only to get pressured into staying and was told all the money I paid so far was for there fee, not my loan repayment and if I left it would be a wast of money. I did refinance and cancel my loan but I paid over XXXX dollars to Ameritech in mislead and in my eyes fraudulent charges.
Consumer complaint received 2018-07-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc. (KY)

This debt collector has this debt assigned to me, when it is my ex wife 's responsibility, divorce decree filed XX/XX/2017. Upon dissolution I acquired half of debt that I have taken care of. My work on my debt load and simple fact I will pay, GLA collections has tagged my credit and continues to maintain calls, and bills. The last rep from GLA Collections told me it was only {$32.00} dollars and it would be easier to pay it than fight it. I make a written and verbal dispute about the account.
Consumer complaint received 2018-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

IN REGARDS TO EQUIFAX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXX THIS ADDRESS DOES NOT AND HAS NOT BELONGED TO ME. I AM IDENTITY THEFT VICTIM AND EQUIFAX HAS NOT MADE THE CORRECTIVE ACTION TO REMOVE THE ADDRESS WHEN I RECEIVED THE UPDATED CREDIT REPORT IT STILL REMAINED. THE ADDRESS IS A FRAUDULENT ADDRESS AND FRAUD WAS COMITTED WITH IT IN MY NAME SO REMOVE IT.
Consumer complaint received 2018-07-05
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: PNC Bank N.A. (IL)

I went to PNC Bank in XXXX, IL and asked about exchanging US dollars to XXXXXXXX XXXX. A PNC employee who helped me, XXXX XXXX, said there were no fees or other charges and that the exchange rate would be the normal daily rate. They did not know how to do the exchange so they took my name and phone number and told me they would call me when they found out. I got a phone call saying they were able to complete the exchange and had taken out {$250.00}. When I asked what the exchange rate was they said they didn't know but again they said it was be the accurate rate for that date, XX/XX/XXXX, and there were no fees. I picked up the money at the bank and my receipt said they took out {$240.00} and I got XXXX XXXX XXXX, which is a rate of 0.313372. The receipt  said there were no fees charged. But on XX/XX/XXXX, the actual exchange rate was 0.289160. 
I called and asked about this issue. An escalation specialist, XXXX XXXX, said she would look into it and call me back within 3-5 business days. I called her back two weeks later because she never called me back. She said she had forgotten about my case but that there were added fees when you purchase and exchange money. I talked to a second escalation specialist, XXXX ( ext XXXX ), who said that it sounds like they gave me the wrong exchange rate and I should be refunded {$21.00}. She said she was going to call the bank to figure out the exchange rate process and call me back after. But she also never called me back. I called back again and got a third escalation specialist who said she would looking at it and would contact the second escalation specialist but I never got a response from her either.