davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXXXXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI has been sending me collection notices in the amount of {$85.00} and the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2020-07-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CHECK INTO CASH INC. ()

This company reported an account from CHECKINTOCASH on XX/XX/2019 in the amount of {$280.00}. This collection agency is in violation of FDCPA 809 ( a ) for not providing a collection notice within 5  days after initial communication. This was not done 5  days after reporting it to the Credit reporting agencies.
Consumer complaint received 2018-06-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (PA)

XXXX XXXX XXXX Complaint # XXXX Response Date XX/XX/18 Issue is that I was charge a high fee of over {$14000.00} I call them and told them I disputed the high fee for deferred payment I had. 
They act I cant dispute the amount. I want the loan put on hold until the documents and a clear understanding is to the loan. 
XXXX XXXX XXXX did not resolve my issue with my complaint and when talking to them you get pass around from one person to another.
Consumer complaint received 2018-06-23
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. (TX)

I requested vailadation on XX/XX/XXXX from XXXX XXXX XXXX. And was sent back a letter stating it was with XXXX XXXX. In which I, sent them a letter to validation and instead I, was sent a offer to settle. Either company has sent me any validation to this debt. Also, I sent XXXX XXXXXXXX XXXX another letter stating that the account is still showing a balance and can they send me validation again. Never received it. I then sent a letter to XXXX on XX/XX/XXXX for validation and the same results but they only sent me a offer for a new card on XX/XX/XXXX.
Consumer complaint received 2023-02-07
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-06-23
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

I have two hard credit pulls on my report that were not authorized by me. One on XX/XX/2016 by Institution Information XXXX XXXX XXXX, XXXX XXXX I was in recovery in XXXX  at this time. 

The second is on XX/XX/2016 as well. By Institution Information Cap One XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2018-06-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MA)

Some COLLECTION XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, MD XXXX is saying I owe {$7400.00} I never heard of them never spoke to them never had a contract with them never got any letters from them please ask this organization how did they get my information and who authorize them to use my information with out my knowledge I have no knowledge of a debt never consent to debt their information is inaccurate and ask them how much did they pay for my information and who ever gave them must have stole it this is swindling according to 18 U.S. Code 1341 - Frauds and swindles and can lead up to fines of {>= $1,000,000} or imprisonment up to 30 years.
Consumer complaint received 2021-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (VA)

For many months I did not realize or check my credit reports until one day I was called by one of the companies about a 'new card I had opened up '' To my surpise I didnt realize my identity was pretty much stolen and I was a victim of fraud. And later when I checked my credit report there were several inquiries I had not recognized!! 

The crazy thing is that I reported all of this months ago and the companies assured me they would be removed from my account but somehow the credit pull is still on my account after several months!! 

This is very ludacris I have to go to such extents to protect myself. This has hurt my chances of buying a house and I am tired of this.
Consumer complaint received 2018-06-23
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. (TX)

On XX/XX/2018 I send a letter to the credit agency to remove the bankruptcy chapter XXXX from my credit report. I got a letter from the is bankruptcy court stating that they did not report any information the XXXX credit agencies I forwarded it to the credit agencies. I have gotten letters back stating that it will not be taken off my report.
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. (IL)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX.
Consumer complaint received 2018-06-23
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Sterling Credit Corp. (PA)

On XX/XX/2018, I received a call from my parents so who stated that they received a voicemail message left from XXXX XXXX of sterling credit corporation a debt collection service XXXX. This company had contacted me previously on my cell phone number and I told them not to contact me by phone anymore and only by mail. When I contacted XXXX, i informed her that I did not appreciate her contacting my parents and telling them that she was calling from a debt collection service and i don't know how they were able to obtain their number as I had never given it out to them and she didn't know, perhaps they found my parent 's number online as it is listed there. I told her that her actions were a direct violation of the fair debt collection practices act and she didn't seem to care much about violating a federal law and I added that I could sue her company for this. XXXX stated that her company could not get in contact with me, but that is a lie as we spoke previously on the phone before and that is when I told her to stop calling me and only send any correspondences to me through the mail as she already has my contact address! This company was hired by XXXX XXXX to collect an outstanding debt my a previous checking account I once had where I was scammed. XXXX only contacted me once when the account was closed and I informed the represenative that I was scammed and he never told me what I should do like file a police report, etc. Instead he was very rude with me and lectured me on being scammed like i wanted it to happen! It has been a year already and I'm only hearing back from the debt collection service now?
Consumer complaint received 2018-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ERC (MD)

Companie name ERC Account Number XXXX balance {$300.00} Date opened XX/XX/2014 I do not remember opening any account the last 7 years and I am not getting any information about the collection and affecting my scour can you please help
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 — Account information incorrect
Company: BMW Financial Services NA, LLC (TX)

I have a loan with BMW FIN SVC. 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  and BMW FIN SVC with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2018-06-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MO)

I called three time during the month of XXXX which is recorded by Ditech mortgage company to move money from unused funds over to the actual mortgage payment. After the first call the problem seemed resolved online only to find two days later the solution was reversed online. 

Secondly, i submitted payment online on time for. XX/XX/XXXX payment which was stated as received. I then get a letter from Ditech on XX/XX/XXXX saying that the payment was returned for some reason they did not disclose. The letter stated that if I paid as soon as I got the letter that there would be no late fees. Now there is a late fee on my account dated XX/XX/XXXX online in the amount of {$560.00}. This is a serious issue because of the time of the initial payment I have {$5000.00} in my account ; the only account I have used to pay my mortgage. 

His has happened in the past and was hard to prove that they move money around to create a late payment of {$560.00} when in fact the payment is not late.
Consumer complaint received 2018-06-23
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Rhode Island Housing and Mortgage Finance Corporation (ME)

XXXX XXXX XXXX XXXXXXXX holds our mortgage. XXXX XXXX XXXX ( XXXX ) services our mortgage. We have never been late on a mortgage payment. Previously, our mortgage was serviced by XXXX XXXXXXXX XXXX. In late XXXX XXXX XXXX XXXX, formerly XXXX XXXX XXXX, was created to service mortgages for XXXX XXXXXXXX XXXX XXXX. Subsequently, our mortgage was transferred over to XXXX   XXXX XXXX in XX/XX/XXXX. 

We have a mailing address that is different from the address of our home, which we have the mortgage on. XXXX XXXXXXXX XXXX had both our mailing and home addresses and communicated this information along with a property tax bill to XXXX during the transfer. We have supporting documentation and a letter from XXXX XXXXXXXX XXXX regarding this fact. XXXX XXXXXXXX XXXX   never failed to pay our property taxes during their servicing of our mortgage. 

XXXX failed to pay our property taxes for 1 year and 3 months. In XX/XX/XXXX XXXX sent our property tax payment to the town associated with our mailing address. The town returned the payment to XXXX XXXXXXXX XXXX because the payment did not apply to a property in that town. XXXX never attempted to research why the payment was returned. We were never contact my XXXX XXXX XXXX in regards to their in ability to apply the escrow funds we were paying to our property taxes. 

When filing our XXXX tax returns we then realized that our property taxes had not been paid in over a year. In XX/XX/XXXX we contacted XXXX to find out why our property taxes had not been paid. It was then that we realized that they believed that our mailing address was also our home address. We asked that they submit payment to the correct town ASAP and we were told that they would update their records and submit payment. We contacted our town on XX/XX/XXXX to see if payment had been received and it had not. We contacted XXXX again on XX/XX/XXXX to ask them again to pay our property taxes. We were only able to leave a message with their escrow department. We then contact XXXX XXXXXXXX XXXX XXXX ( XXXX ) to ask for their assistance. An associate at XXXX contacted the XXXX escrow department and our property taxes were finally paid on XX/XX/XXXX. At this point they were in arrears by 5 quarterly payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ). The late payment of our property taxes resulted in {$200.00} in liens and fees. XXXX paid the liens and fees with money from our escrow account. 

As the servicer of our escrow account they are required by federal law to make our property tax payments. XXXX failed to pay our property taxes for over a year and is liable for any liens and fees incurred due to their negligence. 

We would like the {$200.00} in liens and fees returned to our escrow account. While this may seem like a small amount of money it is significant enough to us and is money that we are unjustly being held liable for.
Consumer complaint received 2018-06-23
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: EQUIFAX, INC. (IL)

I have tried on several occasions to get several fraudulent accounts on my credit report removed. In XX/XX/2018, I submitted a letter alleging fraud, along with an official police report detailing this identity theft. I also reached out to the companies who own these accounts. Despite my evidence, and the fact that this same information was provided to XXXX and XXXX which resulted in a fraud alert being placed on my account and the accounts removed, Equifax has refused. My credit report still does not have a fraud alert on it, is still subjected to damaging reporting and the accounts are still present. This is hindering me from moving forward with repairing my credit. It is also in direct violation of my rights : " FCRA 607 ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. ''
Consumer complaint received 2018-06-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dyck-O'Neal, Inc. (PA)

To Whom it May Concern, Upon looking at my credit report. I found a collection item from Dyck Oneal. In which their were no collection items on my credit report at all. I have no knowledge of the amount, don't know who it is from, have not applied for any credit with this company therefore I don't owe them any debt. 

Once I found this debit on my credit report I call the number that was listed. I was not able to get in contact with anyone. The phone will ring and then I am asked to leave a message. I called more than ten times and it was the something. I left a message and I have not had a return call.

Per my investigation this company deals with loans and mortgages in the state of Florida. I am not a resident in the state of Florida and never been. I also found that this collection agency is in violation of the FDCPA, CCPA. This collator is not licenses in the state of pa and is in violation of all laws. 

Thanks 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

XXXX  XXXX XXXX  XX/XX/XXXX that amount of {$470.00} account number starting with XXXX XXXX XXXX  XX/XX/XXXX the amount of {$1500.00} account number starting with XXXX Social security administration account number XXXX date XX/XX/XXXX for the amount of {$21000.00} XXXX XXXX account number XXXX date XX/XX/XXXX in the amount of {$1600.00} XXXX XXXX  account number XXXX in the amount of XXXX date XX/XX/XXXX XXXX XXXX  XXXX the amount of XXXX date XX/XX/XXXX XXXX XXXX account number XXXX in the amount of {$630.00} XX/XX/XXXX XXXX XXXX XXXX account number XXXX XX/XX/XXXX amount of {$3800.00}
Consumer complaint received 2018-06-23
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (CA)

Here 's my complaint : I've tried on multiple occasions to apply payments to specific portions of my loan ( either principle or interest ) with Navient. Navient fails to honor those allocations. Likewise, their " communication '' is almost non-existent. As well, I believe I'm being charged interest increases on sporadic occasions ( seems variable ) as opposed to a truly capitalized accrual. I can't prove any of this because Navient doesn't have a way of viewing or being notified of account changes. Likewise, their on line accounts don't show the actual allocation or payments to principle and interest or reductions to principle and/or interest after payments. It's all very opaque. 

I had {$230.00} of unpaid interest on XX/XX/XXXX for my 1 consolidated loan with Navient. I made an interest only " directed over-payment '' on XX/XX/XXXX of {$33.00} ( to test their allocation method ). I expected to see {$200.00} of paid interest after the payment posted. The payment posted on XX/XX/XXXX and my interest balance was {$200.00}. Where did the {$2.00} go? Or was {$2.00} suddenly added to my account? My loan interest is not variable. If it was there would be thousands of dollars of interest. And daily, variable interest is not part of my loan terms. Did Navient steal {$2.00} from me? Did they apply it to principle without asking and even though I selected, apply overpayment to " loan with highest interest '' ( see pic ).
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This company is in clear violation of the CFPB and XXXX plus a lack of care towards there consumers that they collect data and monetize it privately to third parties that may constitute as identity theft an more in a court of law. I demand CFPB to do there due diligence and provide a remedy
Consumer complaint received 2020-07-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (GA)

XXXX XXXX XXXX, XXXX and myself went to court on XX/XX/XXXX. The judge signed a court order saying that I owe this company no monies. 

Prior to seeing the judge, XXXX XXXX ( an agent for XXXX ) and I discussed this alleged debt and she said that the main office in XXXX, FL would reach out to me to discuss a payment plan. I inquired about the down payment that I put on the home ( XXXX XXXX XXXX, XXXX ) and if that would be taken away from the total balance. XXXX stated that she did not know and that I would need to discuss that with the main office when they reached out. 

The judge signed a court order that day that said I do not owe this company any monies. Furthermore, I never received any correspondence from the main office as to them sending this account to collections, discussing a payment plan, my downpayment, or anything else. In XXXX of XXXX I received a dunning letter from Hunter Warfield Inc and I have been going back and forth with them recently about the validity of this debt and the way everything was handled. I have turned in the signed court order to Hunter Warfield multiple times ; however, on XX/XX/XXXX at XXXX XXXX during a recorded phone call with XXXX XXXX at Hunter Warfield she told me that the court order from a judge did not matter and that I would need to seek legal counsel if I wanted to handle this any further. 

I have asked Hunter Warfield for debt validation several times. They have only sent me verification and the signed court order has never been part of the verification thus the verification is incomplete. They refuse to send me validation that I am legally bound to this debt and they say XXXX XXXX XXXX says that I have to pay them. 

I am trying to keep from taking this issue to court. I just want this collection removed from my credit reports and handled the proper way.
Consumer complaint received 2018-06-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC (TX)

Capio Collections called and said i owed a medical bill. Took me by surprise ; I have so many med bills and we stay on top of them. I believed them because I've been in the hospital practically more than I've been home and it does get confusing. Ive called all of the hospitals, I typically go to XXXX XXXX XXXX XXXX.and every once in a while XXXX XXXX A bill came from Capio stating I could resolve my XXXX dollar debt by paying {$700.00}. So I made the payment on line. Within 2 days I get a call saying i still owed {$200.00}. I said not right now bc i just sent {$700.00}. Se said they '' d take it out late XX/XX/XXXX but not to worry bc the would call first. Then they take money without calling and went ahead and charged {$280.00}. I called and they kept giving me numbers to call until i finally was given the number for the first person I called. Finally I spoke to a man who said yes XXXX was the correct amount. He said my account was now settled. I said do not ever charge my card again bc I'm not giving you permission.The following day I got a bill for # XXXX. Again, nobody will talk to me. I've called the hospitals and they both said I don't owe them anything. 


i'd be done. She promised to call me
Consumer complaint received 2021-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX, I verified my credit score with Equifax, and at that point in time, my score was XXXX. Today, XX/XX/XXXX, as I'm checking my credit score, I see that it changed from XXXX to XXXX. I have not had a single late payment in over a decade, closed accounts, opened new ones nor have I made any changes to my financial responsibilities. I was shocked when I saw that my score had dropped to XXXX for absolutely no reason. This is unethical abuse from Transunion and they should re-establish my credit score back to XXXX. Please feel free to contact me if you need anything from my end. Thank you.