davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-10
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4900.00}, {$1100.00}, {$5600.00}, {$150.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 


-- CLOSED ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$150.00} -This is not my account.
Consumer complaint received 2015-10-10
Product: Payday loan — 
Issue: Can't contact lender — 
Company: CASHCALL, INC. (CA)

I am currently being harassed by email from XXXX loan companies. CashCallXXXX. They are threatening to sue/ garnish my check. I only applied for a loan with CashCall, paid the loan. Then CashCall said I still owe them XXXX dollars. I filed a complaint, they said they wrote it off on my credit report. These orther XXXX I have never applied for a loan nor have I received anything from them. I tried emailing them letting them know these are fraudulent, but no reply. Next I tried calling them at these numbers ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX not reachable. PLEASE PLEASE PLEASE HELP ME. Thanks!
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 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 2015-08-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (IN)

I lived in XXXX XXXX apartments. I was served papers that I owed them {$920.00}. They took me to civil court and the judge dismissed their case as I showed that the apartment was vacant and I paid all amounts due. This can be found in XXXX County Court in XXXX, In XXXX under court case number XXXX. They have since turned over this amount that was paid to a collection agency that has hurt my credit and calls me continuously.
Consumer complaint received 2018-03-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (KS)

I am being aggressively contacted and threatened with legal action about a debt that I don't owe and that no one has even tried to validate. 

I received a letter from XXXX XXXX XXXX, dated XX/XX/XXXX, that incorrectly stated that my XXXX/XXXX XXXX account is in collections in the amount of {$500.00}. This is not true because I paid off the card on, and didn't use it after, XX/XX/XXXX. 

I responded with a request to validate the debt on XX/XX/XXXX. I never received a response to that request. 

XXXX XXXX XXXX sent me a letter dated XX/XX/XXXX, that said I owed {$500.00} and if they didn't hear from me by XX/XX/XXXX, they'd pursue legal action. I responded with a request to validate the debt on XX/XX/XXXX. 

On XX/XX/XXXX, I received a certified letter from XXXX XXXX XXXX, again stating that if they didn't hear from me by XX/XX/XXXX, they'd sue me. 

In addition to the aggressive attempts to collect on a debt that I don't owe ( and that has yet to be validated ), XXXX XXXX XXXX has been calling me excessively ( two to three times per day on the weekend, and at least once per day ). I requested that they put me on their Do Not Call List, only to have them call me again two hours later. 

You may wonder, " Why won't you speak to XXXX XXXX XXXX over the phone? ". Because I have read a lot about their shady business practices, so I will only communicate with them in writing. 

Here are the dates and times XXXX XXXX XXXX has called me : XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX ( this is when I told them to put me on their Do Not Call List ), XXXX XXXX, and XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX and XXXX XXXX This is a lot of harassment and attempts to aggressively pursue a debt that I don't even owe.
Consumer complaint received 2015-07-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: STERLING JEWELERS, INC. (FL)

I went to Jared Jewlers in XXXX Florida with my girlfriend to purchase a engagement ring. We choose a ring that she was extremely excited about. I traded in some diamonds which they gave me a {$2500.00} credit for and asked the Jewler XXXX to remove XXXX halo of the small diamonds and replace them with a halo of sapphires, he advised I would receive a {$200.00} credit for those diamonds. I put down {$3000.00} and was left with a balance of {$10000.00}, when I was reviewing the paperwork it said my payment would be interest free for 19 months at {$340.00} which was in my budget. I picked up the ring a week later and proposed to my now fianc. Approximately a month later I received a monthly bill for {$580.00}. I was shocked and thought there must have been an error. I called the credit card company and they explained that to get some sort of points credit XXXX had set up my credit card account based on {$6500.00} and later after I left the store called the credit card company back and added the additional {$4000.00} which increased my payment from {$340.00} to {$580.00}. I explained that I was told that my payment was going to be {$340.00} and not {$580.00}. I later went to the store and spoke to XXXX in person with my fianc. She was there when he told me that the payment was going to be {$340.00} monthly. XXXX demeanor was quite different, I got the sense that he had done this many times to many customers. I asked him if he could extend the term to make the payment affordable with in my budget and what he had told me it was going to be and what the paperwork said. He told me that there was nothing he could do to change the payment terms. I left and started researching Jared 's on the Internet, I discovered that many others customers of Jareds had similar experiences. It is not only illegal but also unethical to tell people there payment is one amount when it is actually another amount, especially when it is in writing. For an associate to quote one payment amount, put it in writing, and state that is the payment amount but later after the customer leaves the store to call the credit card company and add amounts to their credit card to later increase the payment. This is pure extortion, and against the law. I am hopeful this matter will be resolved amicably. In XX/XX/XXXX, I paid my first payment of {$400.00}, {$56.00} more than the amount that I had agreed to both verbally and in writing. I have received numerous collection calls since I made that payment informing me that I am delinquent and threatened that my credit score would be negatively impacted due to my delinquency. I look forward to hearing back in the near future how we can resolve this issue. Sincerely, XXXX
Consumer complaint received 2022-02-03
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: Experian Information Solutions Inc. (TX)

I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. Accounts Reason This collection is not my account. XXXX XXXX XXXX XXXXXXXX XXXX. I never missed a payment on this account, please correct. XXXX XXXX XXXX XXXX XXXX. This collection is not on my account XXXX XXXX  XXXX  XXXX. Understand that failure to investigate these accounts within a period of XXXX days will result in non-verification which requires that the above accounts be immediately removed from my credit file. I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. Thank you for your time and attention to this matter. I look forward to hearing from you soon.
Consumer complaint received 2022-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. Accounts Reason This collection is not my account. XXXX XXXXXXXX XXXX XXXX XXXX. I never missed a payment on this account, please correct. XXXX XXXX XXXX XXXX XXXX. This collection is not on my account NXXXX XXXX XXXX XXXX. Understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. Thank you for your time and attention to this matter. I look forward to hearing from you soon.
Consumer complaint received 2016-12-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (FL)

In XXXX of XXXX I lost my job and was not able to make student loan payments. My parents cosigned for the loan but their finances were nowhere near good enough to support the ludicrous {$1300.00} a month payment ( which at the time was double my rent ). After paying Navient for a deferment and regaining employment in XXXX of XXXX I discovered that the deferment did not prevent me from going into default and that Navient still expected me to pay the unsustainable loan amount. In XXXX of XXXX Navient reached out to me after I had been deliberately not paying the loan since XXXX because they refused to negotiate and finally offered to go onto a Reduced Rate plan. This was based on my parents ( as cosigner ) and my own debt-to-income ratios. The agreed upon payment was {$530.00}. This was a payment I could afford and the plan was good from XXXX of XXXX through XXXX of XXXX. They informed me that I would have to reapply for the Reduced Rate plan on a yearly basis. We just provided them with our financial information, which has not changed at all from the prior year, and it was suddenly determined that I no longer qualify and am now responsible for a {$900.00} a month payment - a $ XXXX/month increase! This is just yet another example of Navient 's terrible customer service and bait & switch tactics. No one in the company knows policy, they just make up the rules as they go along and faceless departments decide who is capable of paying what.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: MOHELA (CA)

Hello, I had my student debt forgiven back in XXXX and it still shows up on my credit report as calulated debt. I was told by MOHELA that it should be removed in 90 days that time has come and past. Can you please help me to have my credit report updated and the removal of my forgiven loans.
Consumer complaint received 2019-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (CA)

I HAVE RECENTLY DISCOVERED THAT MY PERSONAL INFORMATION HAS BEEN STOLED AND OPENED FRAUDULENT ACCOUNT WITH WELLS FARGO BANK. I AM A VICTIM OF IDENTITY THEFT AND I DID NOT AUTHORIZED ANYONE TO USE MY PERSONAL INFORMATION FOR ANY PURPOSES. I'VE FILED IDENTITY THEFT REPORT WITH FEDERAL TRADE COMMISSION AND SUBMITTED THAT DOCUMENT TO CREDIT BUREAUS AND WELLS FARGO BANK. CREDIT REPORTING AGENCIES REMOVED FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. BUT XXXX  REINSERTED FRAUDULENT ACCOUNT BACK TO MY CREDIT.
Consumer complaint received 2016-10-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION (WV)

I want to cancel the monthly automatic ACH from my BB & T bank account and switch it to another one ( our property manager ), but BB & T 's mortgage division 's answering service will not connect me to an agent and keeps telling me to call back. My account has been overdrawn 3 times now as a result.
Consumer complaint received 2024-05-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (CA)

I have ( 4 ) credit cards myself, and three auth. users. One person misplaced there card and in order to get a new one I am told 4 cards would need to be shipped only regular mail 10 days. 
I dont do much business with synchrony Bank XXXX and we use this card for my XXXX  bill and all supermarkets. I dont want to loose out on the 4 % rebate so the only choice is not to request a new card as when I asked if you could overnight, the response is you dont do that. I have been in the financial industry for over thirty years and we will share our cards until the expiration date and new cards are sent. 

I spoke with some people from XXXX, XXXX XXXX XXXXXXXX and they said that they have no problems sending cards overnight. Yes It does cost mailing fees. 

Can they just produce one for XXXX XXXX as a damaged card then all of the cards are not effected. I have XXXX child out of state at XXXX who uses this card so we are not closing the misplaced card that is probably in the house.
Consumer complaint received 2016-06-13
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My checks were stolen as well as documents with my signature. I reported my checks stolen to Bank of America. I even walked into a branch and received new checks and asked the bank not to allow any transactions on the closed account with only small pending transactions. I had a new account number created XX/XX/XXXX. 
On XXXX, the bank reversed charges, claiming that my signature was consistent with mine on file. Does the check fraud department do or do not know that signatures can be forged? The bank also makes an excuse how claim forms that were emailed to me were not received. I am sick and tired of Bank of America not covering claims. I am ready to go to a higher level of Law Enforcement that the Banks are not investigating claims correctly or not covering claims, which is fraud itself. I certainly hope that this agency does something about Fraud and this Bank for a change. I have another claim not covered XX/XX/XXXX that I want covered and reopened by this bank. 
I was also charged fees in another account which both accounts combined I never should have been charged.
Consumer complaint received 2024-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (WI)

Mohela is my student loan servicer. On XX/XX/year> I submitted an IDR app for the SAVE plan. Between XXXX I submitted PSLF apps XXXX All indicated they were processing. Also, at that time by account showed, correctly, my 11 student loans and their balances. 

On XX/XX/XXXX I received a letter in the mail that my IDR app was denied due to not receiving documentation with the application. It directed me to submit the documentation online. First of all, when I submitted the IDR app, my income tax was pulled from the government tax file and attached to the application -- as proof of my income. 

Second of all, when I went to go online to submit it, all of my account information is gone. No balances, no loans. Just the " smiley face '' that says " Your account is in good standing. '' And now all the documents submitted and referenced above ( except the denial ) are labeled as " Non-Mohela Brwr. '' When I log into Fed. Student Aid web page, again there is no information about my loans anymore. 

I understand that there is a time component to processing applications and documents. 
I understand there is a mass number of borrowers needing things processed right now. But is is difficult to even locate what that expected time frame might be. If they are experiencing such backlogs, why aren't they providing clearer information to let us know what is going on! 

I CAN NOT understand why there is no mechanism in place to let me know where it is in the process -- what is going on with my accounts. 

Why am I not receiving any communications? 

Based on what Fed. Student Aid and Mohela show when I am logged into my accounts on those pages, I have a {$0.00} balance. Why wouldn't I now assume that everything has been forgiven and I should alert the credit bureaus to remove the student loans from my account? 

Why did I not even get an auto-acknowledgement from Mohela when XXXX reached out for help and account information when logged into my account on their page? 

I tried calling Mohela, but hung up after two hours on hold without speaking to one person. And then, I only hung up because my phone battery died. How is that okay? 

All of this -- instead of helping me -- is holding me captive to Mohela and my student loans and keeping me from moving to other things in my life. ANY OTHER FINANCIAL institution would NEVER be able to treat customers they that us student loan borrowers are being treated.
Consumer complaint received 2015-08-26
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Debt Recovery Solutions, LLC (CA)

They state it 's a XXXX XXXX amount due. I contacted XXXX which is and has been my current provider for at least the last XXXX years and they show no outstanding debt. Nor any interruptions in service due to a lack of payment. When I ask specifically what they are collecting on they go to strong arm tacticts " just give me your credit card ... ''.
Consumer complaint received 2016-02-08
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

NISSAN MTR ACCEPTANCE, AFTER MANY DISPUTES FILED BY US, TO CORRECT HAS NOW REENTERED A CHARGED OFF DEBT VIA A COLLECTION CO. " XXXX FOR XXXX. THIS WAS XXXX XXXX TOTAL LOSS PAID BY XXXX AND THE GAP INSURANCE WE PAID FOR.2010 JUST SURFACED NOW. ALSO XXXX IS RUINING MY CREDIT THEY WERE PAID OFF BY XXXX DEALER IN XXXX WHEN WE TRADED IT IN. THEY ARE SAYING THEIR PAYOFF WAS NOT RIGHT, AND WE STILL OWE XXXX?. I WANT THESE NEGATIVES DELETD TILL RESOLVED. PLEASE HELP XXXX XXXX
Consumer complaint received 2015-10-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Brock & Scott, PLLC (MD)

BROCK & SCOTT , PLLC has filed a lawsuit in the court on adebt that is time-barred. Additionally, they filed a false case # in the land record.
Consumer complaint received 2024-02-25
Product: Credit reporting 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. (PA)

Would like free copy of my credit report pursuant to my right. 

Attached are copies of my drivers license and social security card. 

My mailing address is XXXX XXXX XXXX, XXXX PA XXXX. 

Please update address on my credit report,
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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I received a copy of my credit report and noticed some hard inquiries that I do not recognize. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2015-05-07
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: FIRST GUARANTY MORTGAGE CORP (NY)

FIRST GUARANTY MORTGAGE CORPORATION VERY DECEPTIVESince End of XXXX of 2015 I have been trying to streamline my loan based on the new Federal Goverment Program to cut down PMI and if posible get a better interest rate, but my Mortgage Servicer has stoned wall the process. I have had it to my neck with the bank. They would not reply my phone calls anymore and I have been prevented from going to another bank because the bank would not release my FHA number or provide me with the information if they would assign my mortgage tax ( XXXX ) to another bank. I just keep getting Good Faith Estimate every month for nothing just to keep tied up to their scheme. The bank operates with dishonesty and would not provide information needed. It does not take 3 months for a bank to streamline it 's own loan. My phone calls dont get returned at all. I wish I have a legal option against this bank for wasting my time and raising my hope of saving money.