davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (IA)

As a co-signer on my son 's student loans with Navient, I want the flexibility to make payments that are applied directly to principal that do n't interfere with how the regular monthly payments are received and processed. Ideally, I would like to set up an autopayment from my bank account ( monthly ) applied XXXX % as a principal reduction that will not interfere with my son 's autopayment of Interest and Principal payments. The payment options they offer are too limited. The manner in which payments are handled results in prepayment penalties ( extra interest and fees because you ca n't reduce principal ).
Consumer complaint received 2017-01-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have disputed my XXXX account with TransUnion to no avail the XX/XX/XXXX late still appears on my report. I could not dispute the account online and no one from the company could tell me as to why. I have attempted to provide the letter from the XXXX which denoted they were going to remove the late. If TransUnion did and investigation on XX/XX/XXXX file # XXXX then the information would 've accurately been reported. I contacted the call center in which another file # XXXX was provided for me to attach a copy of the letter and fax the information into TransUnion. I attempted on several occasions to remit the information but the fax # XXXX is constantly busy.
Consumer complaint received 2016-06-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

A collections company, XXXX, CA XXXX posted false information on the credit reporting agencies, e, g. TransUnion, that I had not paid a towing charge- a non-payment- for what they claimed was my automobile, in an attempt to extort me into paying a bill that had nothing to do with me. It was never a car of mine. 

I took the car 's VIN and plate number to the CA DMV on XXXX/XXXX/16 to see if the motor vehicle department had some kind of bookkeeping error. They ran the plate and VIN and told me that I had NEVER had any ownership of the car. Well I knew that, but it meant that the collection company was deliberately filing a false report against me. 

I also requested on XXXX/XXXX/16 for the XXXX Police Department to run the car plate and VIN and they also affirmed I had NEVER owned the car in question. So both the police and DMV agree this was never my car, and I was not responsible for any tow for it. 

I realize the towing company may have hold of an erroneous report resulting from errors in original processing the VIN of this car. When the accident occurred that required a tow, that erroneous report caused my insurance agent, XXXX XXXX, to be called. They, and the insurance company of the other car, both investigated and determined it was not my car. 

Moreover XXXX XXXX, of the XXXX police department, also looked into the investigation file and agreed I was not the car owner. XXXX XXXX told me to have them call him and he would clear it up. 

But when I attempt to tell the tow company and collection agency to just check with XXXX XXXX of the XXXX PD they both just get nasty and insulting over the phone. 

I am recuperating from recent and XXXX and this continual battle with these vicious people has sapped my limited strength to an extent that I have to ask my XXXX to delay my return to work by 2 months, which wage loss will cost me over {$XXXX} Moreover their false claim on my credit report, which existed before without a blemish, will greatly reduce my employment chances, since they routinely run credit reports as part of the background checks I must undergo. So this collection agency 's false claim has already greatly hurt my life and career. 

If they were pursuing collections legitimately they would have contacted me beforehand, and we could have cleared this up. Or they could have simply run, or re-run, the car 's plate and VIN to see their error. 

But they did not, and are insulting and abusive when I call to clear this up. From their nasty behavior I conclude they know they are pursuing this false claim deliberately, and I want them prosecuted to the fullest extent of the law.
Consumer complaint received 2022-10-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TN)

i have a issue with paypal system. 

my paypal account was blocked becouse i received {$10.00} dollar. 

Now, the system has place a permanent limitation on my account. 

XXXX Limitation ID XXXX Will paypal review my account again and tell me what they need for help me to resolve my issue.
Consumer complaint received 2016-12-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Someone opened a XXXX account under my name and now I have this negative account on my credit report. Disputed with the collections department but kept getting " verified ''. So frustrated because I tried to get this matter corrected but I am getting nowhere with the credit bureaus XXXX, Transunion and XXXX. I feel like giving up.
Consumer complaint received 2022-12-15
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: World Acceptance Corporation (AL)

In accordance with the fair credit Reporting act, World Acceptance Corporation has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2016-12-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

TransUnion is showing an account that was settled in full as a charge off. This is impacting my ability to get a mortgage. This originally showed on all the credit bureaus but they made the change after the first request with supporting documentation. TransUnion has been contacted three times via XXXX XXXX, with no changes.
Consumer complaint received 2022-10-03
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: LEXISNEXIS (NC)

I contacted LexisNexis for a method of validation of bankruptcy. LexisNexis is reporting to XXXX and XXXX that I have a bankruptcy. According to the FCRA they have 15 days to respond to me the consumer. They are to provide me with a discription of the procedures used to determine the accuracy and completeness of the information listed on my consumer report. They are required to follow reasonable procedure to assure maximum possible accuracy. They are in noncompliance of the FCRA regulations.
Consumer complaint received 2022-10-03
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: SYNCHRONY FINANCIAL (MA)

Accordance with the Fair Credit Reporting act XXXX  Account # XXXX, and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-08-15
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 have XXXX inquiries dated XXXX XXXX, 2017 from XXXX XXXX XXXX. I did not authorize this or sign anything to have my credit pulled.
Consumer complaint received 2021-11-26
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: Santander Consumer USA Holdings Inc. (FL)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2017-01-24
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION (NC)

I graduated from college in 2015 and I took out private loans through Sallie Mae throughout my four years. I was XXXX and my parents cosigned with me. I have been paying more loans for a little over a year now. In that time I have paid over {$6500.00} just in interest rates. I am currently paying {$670.00} a month just for my private loans this does not include my federal loan of {$180.00} per month. I have called multiple times to Sallie Mae to refinance or consolidate or receive income based payments. I was told we do not offer any of those things. I have also have tried to refinance through a bank which I was denied for because of my debt-to income ratio. I currently work at a job where I make {$XXXX} an hour. This is the only job I could get out of college in my field at an entry level position. I am currently struggling to live because of my student loans. Paying {$850.00} a month is not acceptable. I have barely paid anything to the principle because my interest rates range from 8.5-9.875 %. I have payments of {$0.00} going toward the principle. Please help me!
Consumer complaint received 2016-06-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Feldman & Stern, LLC (CA)

Feldman & Stern, XXXX XXXX, XXXX contacted me to collect an amount claimed to be due to XXXX, XXXX XXXX, XXXX for {$99.00} for amount due when my membership was cancelled. I gave written notice to cancel in XXXX 2014 and never received a request for payment until this call. Was told if I could n't provide registered mail receipt immediately that I would be sued for the money. Requested I make payment by check over the phone. I refused and was told I had to send a money order via over night mail. Until I get more information from the business I do not intend to make any payment. No amount is due based on actions I took. It could be bad practices by this health club and/or an illegitimate debt collector.
Consumer complaint received 2016-07-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AutoNation Enterprises Incorporated (CA)

CIG financial is reporting inaccurate information to the XXXX credit bureaus. I have contacted XXXX multiple times and provided banking information showing how I was never 30 days late. The documentation that they showed me even shows that I was not late. They refuse to respond. I have disputed that information with all XXXX bureaus. XXXX is just taking their word and can not show evidence of me being late.
Consumer complaint received 2016-11-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Palm Beach Credit Adjustors, Inc (NY)

My son went to the XXXX in Florida bc i could n't take him to a walk in clinic. I verified with my insurance company which i still have. I gave the hospital all documents to support this issue. XXXX has already removed this from my credit report..
Consumer complaint received 2021-11-26
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. (NH)

CREDIT BUREAUS ARE IN THEIR VIOLATION OF LAW FOR NOT CONDUCTING AN INVESTIGATION REGARDING ON THE FRAUDULENT AND MISLEADING ACCOUINTS REPORTED FROM MY CREDIT REPORT.
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX S.S. XXXX I AM HAVING A TON OF ISSUES TRYING TO GET MY CREDIT REPORT AND CREDIT SCORES. I CAN NOT GET INTO THE XXXX I CAN NOT GET INTO XXXX I AM TRYING TO BUY A HOUSE AND MY LEASE IS UP. I HAVE ATTACHED MY ID AND SS CARD
Consumer complaint received 2021-11-26
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. (GA)

Choose according to account type. These can be combined My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2018-05-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (KY)

This complaint is in regards to a collection account appearing on my credit report from XXXX XXXX. This company has no legal right to report this " collection '' account on my reports because this account is still owned and serviced by XXXX, the original servicer. I have contacted XXXX and they have confirmed to me in writing that they still own and actively service this account and that I may payments directly to them. I have no contract with XXXX XXXX and so they are violating my rights and credit reporting laws by reporting a collection in their name to my credit report. This account still remains with XXXX and was not sold to Convergent as confirmed by XXXX themselves. I have attached a transcript of my conversation with a XXXX representative with them confirming as such. 

This collection account should be deleted immediately from my credit report.
Consumer complaint received 2021-11-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (IA)

I reported this bank once already. And how their app had a setting to allow overdraft. And that the default seeing is TO ALLOW overdrafts on a DEBIT CARD. which I feel is intentional fraud with the {$50.00} overdraft fee and the {$15.00} maintenance fee. So I changed the settings to STOP OVERDRAFTS. AND yet US BANK authorized 2 transactions that there was not enough money in the account to complete. And in believe it was a incredibly small amount over. I think under {$1.00}. BUT THEY HAVE MY ACCOUNT AT A NEGATIVE - {$83.00} for overdraft and maintenance fees. Even after I reset the default overdraft setting.
Consumer complaint received 2021-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I have started disputing inquiries with Experian since XX/XX/2021. These inquiries are not valid because they are for business credit which I did not authorize to have placed on my personal credit report! I wasn't even told it would be. When I sent in my disputes in XXXX, I never got an answer from Experian so I sent another dispute on XX/XX/XXXX. When they didnt respond AGAIN, I sent another letter on XX/XX/XXXX and this one was sent through certified mail, which they received and I have included that delivery confirmation.
Consumer complaint received 2018-05-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (MA)

I made transfer to myself by mistake on XX/XX/XXXX in the amount of {$72.00}. I then call in on XX/XX/XXXX once I realize the mistake and the fund has not been return to me.On XX/XX/XXXX Western Union responded to my complaint saying send the a copy of my bank statement that I provided them on XX/XX/XXXX and re email it in XX/XX/XXXX do to the fact that I did not hear back from them. So I call back on XX/XX/XXXX the customer service rep stated that it was received on XX/XX/XXXX and if it wasn't refunded by XX/XX/XXXX. To give a call back that I didn't and another customer service rep said that it has not been work on give them today it been well over two months.
Consumer complaint received 2020-10-08
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. (FL)

XX/XX/20 I submitted Identity Theft documents to XXXX, Experian & XXXX about several fraudulent applications and accounts in my name. There are still mutltiple fraud accounts which remain on my XXXX  & Experian report even though I have notified them of Identity Theft in my name.
Consumer complaint received 2016-07-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (MN)

I have been receiving harassing and threatening telephone calls and numerous death threats from Enhanced Recovery Company representatives for a debt that do n't belong to me, I do n't owe and is the result from identity theft. The debt is from XXXX for {$530.00}. The debt is fraudulent. I am a victim of identity theft.
Consumer complaint received 2021-11-26
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. (WA)

I contacted Transunion XXXX of XX/XX/2021 to have these inquiries removed they refused to removed them and I am concerned Ttansunion has our credit information open to foreign workers in others countries that when you can you can't understand them. Please see attached document
Consumer complaint received 2018-05-30
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)

I have been trying to get several things resolved on my credit report so I did request all three bureaus to look into several accounts. There was an account with XXXX XXXX -XXXX that I questioned because they did not even show the complete payment history. I requested all information and they did not provide they only only reported a charge off date. Indicating it was not researched.
Consumer complaint received 2018-05-30
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. (FL)

I have been trying to get several things resolved on my credit report so I did request all three bureaus to look into several accounts. There was an account with XXXX XXXX -XXXX that I questioned because they did not even show the complete payment history. I requested all information and they did not provide they only only reported a charge off date. Indicating it was not researched.
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Account : XXXX XXXX XXXX/XXXX XXXX XXXXXXXX  # XXXX I have not been late on the account and request Method of verification for late payments. Per the Care Act and payments made on the account should not have been registered as Late. 

Please correct payment history.
Consumer complaint received 2015-08-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

I have a Judgement reporting on my credit report that is completely inaccurate. I have sent the credit bureaus multiple letters asking them to verify the accuracy and they claim they contacted the court however I sent the court a letter as well and they claim they do not verify anything with any credit reporting agency. The credit bureaus are falsifying their investigation results and lying to the consumers
Consumer complaint received 2016-09-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

Thank you for taking the time to read this letter, and I hope your day is going well. I 'm writing because I noticed that my most recent credit reports from XXXX, Experian, and XXXX contains multiple collection items on my credit reports from XXXX even though they are over 7 years old and actually scheduled to be removed in XX/XX/XXXX. If you noticed from the attached file the reporting dates are different and inaccurate this alleged account is from when I was in college which was over 13 years ago considering I started college in XX/XX/XXXX and graduated in XX/XX/XXXX. So considering the time frame either way the items are between 9-13 years old which is passed the 7 year mark.
Consumer complaint received 2020-10-08
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. (CA)

I disputed Collection Account XXXX XXXX XXXX XXXX   ACCOUNT # XXXX with the three Credit Bureaus ( XXXX, XXXX, Transunion ) and with XXXX XXXX XXXX XXXX, stating this collection is not reflecting the correct purge date. I went in debt with the original creditor XXXX XXXX  ( please see attachment ) in XXXX, XXXX XXXX XXXX XXXX re-aged the date to date opened XX/XX/XXXX with removal date XXXX, XXXX. This removal date is inaccurate, please have this account removed from my Credit report. The original creditor filed a judgment on XX/XX/XXXX. The credit bureaus nor the collection agency XXXX XXXX XXXX XXXX will not remove this inaccuracy from my credit reports. This is why I am filing a claim with Consumer Finance XXXX XXXX XXXX XXXX mailing address : XXXX XXXX XXXX XXXX XXXX, MDXXXX