davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: H. Kent Hollins, Attorney at Law, P.A (GA)

This judgment was filed in XX/XX/2000 in XXXX County . I thought federal prohibits someone from collecting debt this old. I do n't know what this alleged debt refers to. It is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I do n't even know if they still are in in business anymore. It has been XXXX years. This law firm should be sanctioned under unfair trade and collection procedures.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2022-02-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing the Inquiries I don't recognize below for immediate Deletion and Removal from my Credit Report. 
XXXX XXXX  TYPE OF BUSINESS - DATE OF INQUIRY XX/XX/2021 XXXX XXXX XXXX TYPE OF BUSINESS FINANCE/PERSONAL DATE OF INQUIRY XXXX TRANSUNION XXXX TYPE OF BUSINESS BANK DATE OF XXXX XX/XX/2021 TRANSUNION XXXX XXXX PERSONAL LOAN COMPANY DATE OF INQUIRY XX/XX/2021 XXXX XXXX XXXX TYPE OF BUSINESS FINANCE/PERSONAL DATE OF INQUIRY XX/XX/2021 TRANSUNION XXXXXXXX XXXX XXXXXXXX TYPE OF BUSINESS HOME/OFFICE FURNISHINGS DATE OF INQUIRY XXXX TRANSUNION
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2016-10-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion had a glitch in their system that violated the rights of their consumer under Section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given, which is also a violation. I am requesting that ALL inquiries be removed.
Consumer complaint received 2015-06-05
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (NY)

I have XXXX student loans with Naviet ( previously XXXX XXXX XXXX. I called to see if I could obtain a two month forbearance due to difficulities in making my payments because my husband is working less hours for the next two months. I did not qualify for a deference. Navient refused to allow a forebearance unless I paid a {$150.00} forbearance fee. Therefore, I am unable to forebear my loans for two months because I would have to pay a {$150.00} fee.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Good Morning to all parties involved, According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) ( i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with [ XXXX XXXX XXXX  associated with XXXX for the month of XX/XX/year>, XX/XX/year> & XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year> ] be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! Please see the attached screenshot to view the late payments and inaccuracies that I am disputing. Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner.
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

My Mortgage company ( SLS ) XXXX XXXX XXXX incorrectly reported to the credit bureaus that I was late on my payments 8 times in a row ( @ XXXX to XX/XX/XXXX ). this is not the case. I called on at least XXXX occasions from XXXX to XXXX of XXXX. I was then told to write a letter, which I did, and they did move forward to remove the false reporting from XXXX credit agencies but they will not remove the false reporting from Experian. I have been unable to move forward with refinancing another home because of this and the time for me to do so is dwindling down. I have called an additional XXXX times and although they acknowledge that all of my calls and my issue is documented, they refuse to move forward with resolving this issue by contacting Experian to remove this false report with no explanation as to why they are disadvantaging me in this way.
Consumer complaint received 2020-09-10
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: Experian Information Solutions Inc. (WI)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-09-10
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: EQUIFAX, INC. (WI)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I paid my bill yet it is saying overdue and dropped my credit score XXXX points. Now i am unable to get a credit card I need to purchase my books for school. My cosigner, XXXX XXXX, also had a huge drop in his score. But we paid the bill already. I am also in the grace period of the loan so I dont understand how i could be late if there is nothing due at this time.
Consumer complaint received 2022-02-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (AZ)

Updated information. In regards to Discovers responses and continued attempts to hinder my ability to validated my obligation to an alleged debt. I would first like to say thanks for the correspondence that was sent to me, unfortunately a billing statement is just that a statement and not proof of my obligation to an alleged debt. Secondly Discover has expressed in numerous responses that they have validated my obligation to the alleged debt. A debt collector those not have the authority or power to validate a consumers obligation to an alleged debt pursuant to 15 USC 1692g, only I the consumer or a judgement from a court can validate my obligation to an alleged debt pursuant to 15 USC 1692g ( b ). There are 5 points that congress clear states must be provided to a consumer by a debt collector so that the consumer can adequately validate their obligation to an alleged debt, pursuant to 15 USC 1692g. Discover has not fulfilled their obligation to provide the proper information required for me to validate my obligation to the alleged debt. This after numerous attempts by me both by US mail and through the CFPB clearly expressing what is required pursuant to the FDCPA and applicable Federal laws. Discover and their representative Chef Executive officer XX/XX/XXXX has shown an unwillingness to adhere to the federal statue set forth by congress in the Fair Debt Collection Act and has taken it upon themselves to put company rules and policy over federal laws. Discover has reported this unvalidated debt to multiple credit reporting agencies as a negative delinquent account further causing grievous harm to my public reputation. Discover says that they have no more evidence to send validating my obligation to the alleged debt beside a card member agreement and old billing statements, if this is the case Discover must cease and desist all collection attempts of the alleged debt if they are not able to provide the evidence needed to adequately validate my obligation to the alleged debt pursuant to 15 USC 1692g. I need the name and address of the original creditor to the debt is owed.
Consumer complaint received 2015-06-09
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (IL)

THIS IS NOT A DUPLICATE.  For the XXXX time in less than XXXX days Chase has processed a large item first so that they can then charge XXXX overdraft fees on small items.   A total of XXXX overdraft fees for $XXXX each totalling $XXXX was charged to my account.  Additionally the reverse positve pay that is on for my account is no longer working and does not give me the chance to review the checks before they pay.
Consumer complaint received 2016-01-06
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO. (NY)

I went to a Chase bank located in XXXX XXXX NY on XXXX XXXX XXXX and the rep asked me if I had a chase credit card. She advised me of a 0 % credit card for 18 months that I would qualify for. It is the Chase freedome card. I applied on the spot and got a large credit. What the rep did not disclose was that Chase does not offer you the option to pay greater than the minium amount via automated bill pay. You get XXXX options either pay the minium amount or pay the full amount. This is defrauding the consumer as it forces you into a balloon payment at the end if you can only pay the required minimum payment. I called Chase they confirmed that they only offer minimum payment via auto pay or you can go in monthly and pay greater than the minimum amount. This is not standard payment policy because if you have a credit card with Chase that has an interest rate charge you can pay more than the minimum payment via auto pay. Chase in this case is offering 0 % credit cards but not allowing you to pay greater than the minimum in an automated fasion. This is not disclosed at the time of offer or is it disclosed on the statements either. Please advise whether Chase has the right to change its payment options on different products and if so, are they not supposed to disclose this information?
Consumer complaint received 2022-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I requested a modification, and it was ignored. 
I requested another modification and I was told I was missing a document but was not told what document was missing. 
I did a third modification which was finally closed on XXXX XXXXXXXX XXXX. The modification took almost six months. I made the payments on the modification as stated, but I was not being credited for the payments on my statements. 
Just 5 months after I closed my modification I was informed that there was an extra {$71000.00} they forgot to include in the modification and now I had to pay it right away. My payments were returned to me. However, no one at the call center saw the same numbers and only accepted payments of the old amount. 
I do not understand how they all of a sudden the mortgage company, who determined the amount owed, found an extra {$71000.00} for me to pay. 
Why was my payment not being credited to my monthly amounts, and instead being credited to old amounts so it did not look like I was making payments? How could I be reported to the credit bureau when I was making payments.
Consumer complaint received 2022-07-20
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: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting Act, XXXX, account # XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Consumer complaint received 2016-10-13
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (PA)

I received a call on my home phone on XXXX/XXXX/2016 from a foreign sounding woman claiming to be from Midland Credit Management, stating that they were debt collection agency and that I had an account with them, originating from a XXXX XXXX Bank and that I had a balance of over $ XXXX and had a payment arrangement that I was NOT honoring. I told the woman I had no idea what she was speaking of and this was the first time I was hearing of this. She knew my information and continuously tried to get me to confirm it but I refused. I checked my credit report right away and seen no such thing. I ended up hanging up on this woman so I could look into the matter. I then looked up the company and called their toll free number. A foreign sounding man answered and repeated the same process with who they were and they collect debts. This time I did give my social security number but absolutely nothing came up. Then I gave them my address and after being put on hold, this man began coming up with a bunch of different accounts that I was in the dark about and asking how I was going to take care of these. I did not agree that they were mine and hung up as his tone got very nasty with me. I do n't know who these people are, their website seems legit, but I do n't appreciate receiving harassing phone calls for debts that are NOT mine. I was also forced to keep providing and MCM account number, which I do NOT have and have no reference to anything of the sort.
Consumer complaint received 2022-07-20
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-12-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: 1st Franklin Financial Corporation (GA)

XXXX for XXXX and XXXX. I am XXXX months behind. I can not use their online payment because they lock you out to come to the office which is very inconvenient at the time because I work and due to XXXX effecting my family at this time its been more stressful with bills and holidays. They constantly call back to back leave nasty messages and keep stating they will file a suit against me. I been paying these people for almost 3 years and its ridiculous how their customer service has gotten. Its takes at least a call with a message or even an email because people do go through a lot. Once I get the chance to pay off I no longer want no dealing with this company 1st Franklin Financial XXXX GA is not very courteous to family at all.
Consumer complaint received 2023-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CO)

I have received multiple offers ( via email and online via my Citi Account ) to take advantage of Citi 's Flexpay 0 % APR promotion with XXXX in the month of XXXX but am unable to do so. I have called multiple times and spoken with many customer service representatives to get this resolved to no avail. The timeline of my contact with Citi is as follows : - Called on XX/XX/XXXX ( first day of the promotion ) and spoke with several representatives who opened a ticket to escalate the issue. They said it will be resolved in no more than 5 business days, and they also filed a complaint and said someone would reach out to " make it right '' - Called on XX/XX/XXXX since the issue was still not fixed after the 5 day period. Was told they were still working on the issue and to wait another day or two. 

- Called on XX/XX/XXXX. Spoke with a XXXX Account representative who said there is also nothing he can do and that I needed to simply wait until the technical team got to the issue and looked into it. He said there was no way to further escalate this and they " might be backed up. '' At this point it seems very likely this will not be fixed in XXXX I will miss this entire promotional offer. My wife and I just moved and needed to buy a lot of things to get our new house ready so I was counting on using this offer, and now I can not. I am appalled by how slowly this is being fixed and am extremely upset that we planned some of our financial decisions around a promotion which was falsely advertised to me. Citi has done nothing to attempt to make this right and make up for a mistake that is clearly on their end, and I will be seriously reevaluating my financial relationship with this company going forward.
Consumer complaint received 2016-08-09
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (NY)

I applied and was approved for an amex platinum card that included a sign up bonus of XXXX miles once I spent XXXX within 3 months. I have spent the {$3000.00} ( more like XXXX actually ) and the miles were credited to my account. But Amex is not allowing me to use the miles for some reason. The terms and conditions were clear that I could use the miles after they were credited to my account. I am trying to book a flight that would otherwise cost me about {$10000.00}. If I do not book soon the ticket will be booked and I will have to use $ s to buy the ticket and not miles. This is not fair.