davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.

COLLECTION AGENCY : US DEPT ED ACCOUNT NUMBER : XXXX
Consumer complaint received 2021-11-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB (GA)

1. Agent with Klarna Customer Service Lovepreet intentionally repeatedly called me ma'am, despite already knowing that I am male and that my name is XXXX XXXX XXXX. She apologized and then continued calling me ma'am. I asked her to apologize a second time, and she said " I'm sorry ma'am. ''
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: DISCOVER BANK (MI)

on XX/XX/2020 i received an email from discover card telling my account is closed due to inactivity.The email shows a credit score of XXXX which is incorrect from XXXX.A XXXX report from XX/XX/2020 shows a credit score well over XXXXI dont know where discover is getting there score from buts its incorrect.
Consumer complaint received 2021-11-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (GA)

Call this company, we agreed on my paying {$400.00} to settle the debt. The representative refuse to provide documentation that stated he/she would remove all negative reporting. 

He felt that because our conversation was being recorded that this was sufficient, but we know business is business, if its not in writing it did not happen. 

I have been ready to satisfy this debt, what's the point of paying if they refuse to remove all negative reporting.
Consumer complaint received 2016-12-20
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America gave me a payoff balance to a credit card. I sent the check in full and asked to close the account. Bank of America did not close the account and charged me {$15.00}. They than reported it late for the next 120 days. At this point they closed it and removed the {$15.00} charge. This damaged my credit score tremendously and ability to obtain credit.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (CA)

As parent in a middle class family our children do not qualify for state or federal grants instead we had to take loans to pay for college " Parent Plus Loans ''. As a holder of parent plus loan the repayment fall to us as parent instead of to our children who actually got the degree. Because I am not employed in XXXX field where my son 's degree in XXXX is employed neither he or I can apply for assistance in repayment or forgiveness from employer or income based repayment on his income as the new college graduate. I also can not take advantage of IBR because both my husband and my income are combined to determine repayment amount and our son is no longer in the house which makes our household smaller. As parents we wanted to help our children access a good education and support his drive to get an education but instead our retirement planning and finances will be impacted for 20-25 years to come repaying our sons debt. Parent Plus Loans should be able to release parent cosigners and allow graduates to take over repayment of loan and take advantage of IBR or other financing options.
Consumer complaint received 2015-06-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC. (MI)

I paid debt with Midland credit company in 2013 in the amount of XXXX for a unpaid bill XXXX. Midland Credit will not reach out to XXXX to let them know the debt has been paid. XXXX still have me owing a bad debt
Consumer complaint received 2021-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2021 I deposited a Business Check in Ms. XXXX XXXX bank account, Account # ending XXXX in the amount of {$800.00}. The check was written out to her sister whose name is XXXX XXXX by mistake. JP Morgan Chase flogged the transaction as fraud and ask Ms. XXXX XXXX to close her account a open a new one. Chase refused to give the recipient the {$800.00} and also refused to return the funds back to my XXXX XXXX XXXX account. I have spoken to my bank which is XXXX XXXX XXXX and they said that Chase needs to contact them to return the funds. I have contacted JP Morgan Chase also, along with Ms. XXXX XXXX and to date, JP Morgan Chase still refused to return my {$800.00}. This matter have been going on for 45 days now and to date JP Morgan Chase wants to keep the {$800.00} and not the return the funds. I am requesting JP Morgan Chase to return the funds to my bank account immediately.
Consumer complaint received 2016-09-08
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I have a corporate bank account with Citibank. Citibank has sent me an email in which it is asking for my confidential information ( personal financial details, date of birth, country of citizenship ) to be submitted to Citibank via email. I have no issue with providing this information. However, Citibank should know that it is not safe to provide this information over email. Such information should be submitted only via a secure website. Citibank should not encourage consumers to send confidential information over email as it is widely known that this is not secure.
Consumer complaint received 2020-04-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (MI)

My loan servicer paid summer property taxes for someone else 's property in XXXX, XXXX in the amount of {$2900.00}. I began receiving late notices and I called the servicer ( United Wholesale Mortgage ). So then UWM paid the property taxes for my own property in XXXX, XXXX in the amount of {$2400.00}. They charged my escrow account for both real property taxes -- my own property and some other person 's property -- and then they charged me the late fee from the city clerk 's office, even though it was UWM 's own mistake that the taxes were paid late. When UMW did the escrow analysis, they charged me for XXXX summer taxes twice -- literally, they are charging my escrow account {$2400.00} two times in XXXX. My escrow payment doubled. They need to reimburse my account for the {$2900.00} that they paid for someone else 's real property taxes, they need to reimburse me the late fee, and they need to re-do my XXXX escrow analysis with only ONE summer tax. These people are XXXX
Consumer complaint received 2016-09-08
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

The creditor Bank of America has reported a Charge-Off for account XXXX to all three bureaus. The original high balance of {$57000.00} has been reported incorrectly. All payments were made and the entire balance was paid in full however Bank of America & XXXX XXXX, XXXX are reporting a CHARGE OFF instead of paid in full violating the FCRA. it seems the loan was paid directly to Bank of America and was passed over to collection XXXX XXXX XXXX but the creditor is still Bank of America who has reported illegally to XXXX, XXXX, and XXXX. The account was paid in full and NOT Charged off.
Consumer complaint received 2020-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CO)

This is a follow-up to complain XXXX. The previous inquiry is attached. I request that Citibank confirm or deny that during my ongoing credit and banking relationship that I have met the terms of each and every agreement relating to the Citibank cobranded Credit Cards associated with the XXXX XXXX AAdvantage program, and any promotions or bonuses that go along with it. I am specifically asking about the relationship with Citibank and myself, not XXXX XXXX or their Aadvantage mileage program. Please provide specific examples of where I violated the terms of the agreements made between Citibank and myself, if any.
Consumer complaint received 2020-04-21
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: EQUIFAX, INC. (IL)

Equifax requested that I send in verification documents to obtan my credit report. Documents sent in and I'm still unable to get the credit report due to the fraudulent address they have on file.
Consumer complaint received 2016-06-07
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: U.S. BANCORP (OR)

I was harassed repeatedly by this debt collector, even after I 'd formally requested contact to cease ( was considering bankruptcy ). I reconsidered and enrolled in college to allocate upward mobility and eventually alleviate my debts. A questionably documented suit ( for which I was never served papers ) against me was filed in XXXX but no action was taken ( obviously ) until seven days ago ( MORE than three years afterward ). " Judgement '' was awarded in favor of the debt collector and my bank XXXX XXXX XXXX XXXX Bank ) allowed my ENTIRE account balance-holding my livelihood to be seized. I had contacted the collector the same day my account was frozen and informed them the entire contents of my account was from Federal Student Aid and Federal Work Study, the debt collector/attorney response was obvious irritation at his lack of legal grounds. His responses were then short, informing me to contact my own attorney before the seizure commenced. He implied there would be no action from his firm to stop the what was already set in motion. I received the certified letter of garnishment two days AFTER my account was frozen. I JUST TODAY at the end of my " grace period '' received my bank 's process of the paperwork ( which contains no state seals whatsoever ) and their decision in the matter. Currently, I am in the middle XXXX and the time limit given to me for my resolution of the issue was impossible for my success. The process of allocating legal assistance as well as frantic damage control from the impending financial ruin ( homelessness, loss of continued education, ETC. ) that seizing my entire account 's contents has caused, unfortunately has exceeded the timeframe of a week. PLEASE keep in mind the process began midweek and those seven days included XXXX weekend and this past weekend-I literally had two business days. I am NOW currently unable to feed myself, purchase the means to continue my education, and facing eviction because my account 's balance, which has ( since XXXX ) 100 % federally funded ( XXXX XXXX XXXX Bank ) account is now negative. Federal student aid and Statewide grants are EXEMPTED from garnishment! I have US federal government issued documents and statements, XXXX XXXX XXXX Bank monthly statements, financial award letters, countless emails, and numerous documents ( including but certainly not limited to the IRS, XXXX accredited educational institutions ( A prominent XXXX college and the state university ), ETC. proving the validity of my statements of this illegal seizure. My rights and welfare has been grossly violated with this POORLY handled affair.
Consumer complaint received 2016-04-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pinnacle Credit Services, LLC (NE)

Pinnacle is false reporting saying that they are a financial corporation and that I have a loan with them ... .they are actually a collection agency and it 's a collection for XXXX XXXX. I have disputed this many of times with the bureaus and they verify as accurate ....
Consumer complaint received 2016-02-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (NJ)

The bankruptcy on my credit report is listed as a Chapter XXXX when a Chapter XXXX was filed on that date. I have asked for them to correct it through the investigation process and Experian either reports back to me that the information is " verified '' and/or refuses to investigate it. 

I have attached one of my Chapter XXXX documents that were filed on the date listed on my report as evidence of the type of filing. I have also attached a brief summary of the situation to confirm the resolution I am seeking.
Consumer complaint received 2016-08-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: HW Holding, Inc (TN)

Hunter warfield debt collection agency has continued to call me to collect a debt from an apartment I used to live in. When I have asked for written documentation to see a breakdown of my charges, the man on the phone became very nasty and told me that a payment had already been made on the account and that it was because of carpet being replaced when I moved out, I told him I still wanted it on paper to see the actual charges for myself he talked over me and very snidely told me " they would send it " and then proceeded to hang up on me without another word. When I have offered to pay them in the past for what I could when I could they outright refused saying the debt must be paid in full or in XXXX payments which I am not able to do, I was told " that was my problem and that I better figure out how to get the debt paid. ''
Consumer complaint received 2020-04-21
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. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$13000.00} XXXX XXXX {$5600.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX {$850.00}
Consumer complaint received 2020-04-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Palm Beach Credit Adjustors, Inc (FL)

I have filed a dispute with FOCUS FINANCIAL SERVICES in regards to two incorrect items on my credit report enlisted a bill for {$100.00} and {$500.00}. Send out numerous letters and its even well over 30 days and I hadnt received any investigation results.
Consumer complaint received 2020-04-21
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: Experian Information Solutions Inc. (WI)

I have noticed that there are ( 2 ) hard inquiries on my credit report that I did not make or authorize. The company was XXXX XXXX. I believe that was a XXXX XXXX XXXX XXXX XXXX  It was applied for on XX/XX/XXXX and also on XX/XX/XXXX. The address that shows up on the credit report is XXXX, DE XXXX XXXX XXXX XXXX XXXX. At the time of these inquiries I was incarcerated and I did not have access to the internet. I was unable to complete these applications as I was not released until XX/XX/XXXX. I am asking for your assistance with getting these inquiries removed from my credit report. Thank You.
Consumer complaint received 2020-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

I deposited my paycheck for {$3800.00} on XX/XX/XXXX via the Wells Fargo mobile app. {$200.00} was initially approved. I called on Monday the XXXX to find out why the rest of the paycheck was not available and was told it would be available in my account today, the XXXX. 

That did not happen, so I called back today. I escalated through management three times but kept getting told that, because my account is relatively new, they put a hold on my check until XX/XX/XXXX. They kept insisting there is nothing they can do. No one is able to approve the funds. 

I can't afford to live off the {$200.00} they made available. I have bills to pay and four mouths to feed, not to mention we are in the middle of a pandemic. 

There was NO indication they were going to put an 11 day hold on my paycheck when I made the deposit. I would not have made it had I known that was going to happen. This is financial ruin for me and my family during a pandemic when I have XXXX kids and a wife to feed.
Consumer complaint received 2016-05-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NC)

I applied to XXXX XXXX, in XXXX, NC on XXXX 2013. I took XXXX XXXX classes, which is a 2 yr program. Every semester the school would do our loans and all we did was come in and sign the paperwork. The school notified the students that we no longer received our loans through Sallie Mae, and would not provide us with any more information. When I asked for all my paperwork explaining the fees for the loans, I was ignored. I further looked into the situation and found out that I was being charged ROOM and Board, Gas fees and additional fees that did not pertain to me. I have my own residence, supplied my own gas, etc, but the fees were being deducted from my loans regardless. I just do n't see why they were taking that money from me if non of those were provided to me. I would like some kind of explanation on why charge me for something that is NOT being provided to me.
Consumer complaint received 2022-01-05
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. (PA)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 
inquires XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XX/XX/2021
Consumer complaint received 2019-08-08
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. (WA)

Previously on XX/XX/XXXX and XX/XX/XXXX I had submitted a request for a mortgage account to be reviewed and repaired based on some concerns that I had noticed. While a couple of errors have been repaired the account still largely remains inaccurate and the bureau has not offered any proof that they are in fact correct. 
I have specifically asked for proof from all three bureaus as to why the " date opened '' for TransUnion shows as XX/XX/XXXX but on XXXX and XXXX it shows as XX/XX/XXXX I have specifically asked why TransUnion and XXXX  show a " payment status '' as Late 120 Days, XXXX shows a " payment status '' as " Late 180 Days '' all on a closed account and XXXX  is even reporting an " ok '' payment history clear through today ; again on a closed account. 
I have specifically asked why TransUnion shows a " date last active '' of XX/XX/XXXX where XXXX shows it as XX/XX/XXXX, and XXXX  shows it as XX/XX/XXXX. Still no eveidence of accuracy or correction to the account at all on any of the bureau 's part. 
I have repeatedly asked why the " date of last payment '' is reporting as XX/XX/XXXX for TransUnion and XXXX  but XX/XX/XXXX for XXXX and again no response other that " verified as accurate '' or " updated '' with no corresponding proof. 
I also reached out to the mortgage company listed with the address that the bureaus provided and my certified mail was returned not deliverable.