davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

I attended XXXX XXXX XXXX XXXX CA during XX/XX/XXXX -XX/XX/XXXX. I remember signing for loans and creditors constantly change their name. High interest accrued daily and failed to provide students with repayment options. I was pulled out of class constantly to sign for loans and was told you have to sign right now or else we are going to drop you out of the program.
Consumer complaint received 2015-04-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I have requested XXXX Transunion and XXXX to delete old expired negative credit reports and records, also the {$940.00} charge against my file from XXXX mgt is not correct, it was never adjudicated in a court, or even billed to me prior to credit reporting from company XXXX. I have made several requests and am being ignored or accused of not supplying identification sufficiently, which I have furnished my XXXX drivers license, current utility bill, XXXX i.d card, etc. and am still not getting anywhere with the XXXX credit agencies. I am requesting that the XXXX companies remove these XXXX records from my file, thanks, XXXX XXXX
Consumer complaint received 2022-08-04
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. (SC)

on XX/XX/2022 i paid off my XXXXXXXX XXXX  & credit score went up XXXX XXXX, Then on XX/XX/2022 i paid off my XXXXXXXX XXXX XXXX card {$4400.00} & my credit score went down XXXX XXXX, This credit reporting agency is equifax. i was turned down for a credit increase because of it.equifax is a rotten crooked organization, they make money when your score is bad, I plan to sue
Consumer complaint received 2021-10-31
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: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

I received a modification from Rushmore on XX/XX/2021. I didn't pay the XXXX mortgage but called the modification department 4 or 5 times to ask if I needed to pay the XXXX Mortgage. I was told by each representative that I clearly didn't have to make a payment since my trial period would star in XXXX. I was also told that I wouldn't receive any credit reporting on my credit report until XXXX. I then received a letter from Rushmore on XX/XX/2021 that loan was being transferred to a new mortgage company XXXX as of XX/XX/2021. I paid the first trial period payment on XX/XX/2021, before the loan was transferred in accordance with the Trial Period agreement. Just this week after my loan has been transferred Rushmore reported me 60 days late on my credit report. I filed a dispute with XXXX and Rushmore refused to change the reporting even though I honored the Trial period and paid the first payment timely. At the time I was not behind on my mortgage when I received the modification. I would like this removed especially since it was told I didn't have to pay XXXX and my trial period started in XXXX.
Consumer complaint received 2016-12-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Diversified Consultants, Inc. (GA)

Receiving numerous calls to collect a debt. Never given the name of the agency phoning. States it 's an attempt to collect a debt for XXXX XXXX XXXX. Informed them not to phone as I this is n't my debt. I 've been a victim of identity theft twice. Have police report & court documents showing individuals charges & time served. They refuse to stop phoning. As a XXXX senior, this is causing health issues regarding my anxiety, causing panic attacks. Please have them stop harassing me. This is not my debt Thank You
Consumer complaint received 2021-11-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken ()

Commencing on XX/XX/2017, I fell victim to a multilayered scam operation orchestrated by a Private Investor named XXXX XXXX. The equivalent of 12.4 BTC ( XXXX GBP ) utilizing Kraken. I have done my own investigations and also found that the scammer used XXXX as a beneficiary of my cryptocurrencies.
Consumer complaint received 2017-08-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALCHRO INC. (FL)

On Wednesday, XXXX XXXX, 2017 I contacted XXXX XXXX XXXX XXXXXXXX to pay a past due bill of {$150.00} on my credit report. A bill I did n't know I had, but wanted to pay for. I was informed that the total amount due was {$200.00} that included a " Deletion fee of {$15.00} '' I paid the {$15.00} because I wanted to have the record deleted immediately. After I paid it, I was told they would delete the bill from my credit report on the first of the next month. Why did I pay the extra {$15.00}? Is n't it there responsibility to delete it once it 's paid? I emailed them and asked them to refund my {$15.00} and the response was this : Hello, you were advised it will be sent to all Three Credit Bureaus on the XXXX of the month to be removed from your credit report. The {$15.00} was the deletion fee to have it deleted from your credit. If you have any other questions or clarifications please contact me at # XXXX ext. XXXX. I have never had to pay to have something deleted from my credit report before.
Consumer complaint received 2021-11-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (WI)

They claim funds have been deposited in my bank account but there wasnt no funds I tried to call customer service but no one answered for hours then when they did they hand up right away this is a concern because they have my bank information and personal information
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (CA)

I have recently noticed upon running my credit to purchase a home for the first time that I have a 30 day late payment associated with my credit card account with Discover Financial Services XXXX. this was back in XX/XX/2018. What happened was months before that I have been paying my balances manually online, and in XXXX had decided to use their App auto-pay on my XXXX for convenience purpose since its how I pay my other cards anyways. The transition to auto-pay was not as smooth as it did not take my payment for that month and it is understandable since the app did not have my correct statement ending balance so it will not take my payment. I had called Discover customer services regarding this matter during XX/XX/2018 and it was a recorded call. In that conversation, I had told them what had happened and the reason why the payment was late. The customer representative at that time apologized for the inconvenience and had waived the late fee I had incurred. My payments were never late before and after this occurrence with any account I have under my name unless there was an error. 

I contacted Discover Financial Services XXXX and had asked them why they reported my payment being late for 30 days. I had thought that they would not report this matter because it was a system error on their end that resulted in my payment not being processed on time. I had explained to the agent what the conversation was during that time and what our resolution was but the customer representative had told me that she can not do anything but will tell her supervisor regarding the matter, I had closed my account with them because of this upsetting situation I have been a responsible account holder for years and was misled to believe that they had fixed and acknowledged that it was a system error but reported me to the credit bureau anyways.
Consumer complaint received 2015-09-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My information was stolen in the certegy incident. There 's also items which keep getting reinserted to my credit report whenever a new debt collector buys the out of STAT debt. No investigation was even undertaken because the credit reporting agency is also doing debt collection, which would seem to be illegal and a conflict of interest ... I was never given any lines of credit since age XXXX.
Consumer complaint received 2016-06-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

The monthly payment on my house increased all of the sudden a few years ago ; making it impossible for me to keep current because the monthly payment was too high. I tried to resolve the situation by trying to apply for a loan modification but I was always denied by the creditor. It seems that they rather have an empty house than give me a chance to pay my debt that I defaulted on. Lastly, I was doing a short sale on the property but the bank is not cooperating with me. They always have excuses on not letting me solve the issue on the house.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I sent a letter to the credit bureaus on XX/XX/22 requesting a reinvestigation into some questionable items on my credit report. The items still remain on my credit report as verified, but I was not provided the investigation results. Failure to provide the results and the details are a violation of the FCRA.
Consumer complaint received 2020-10-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC (CA)

{$250.00} a Disputed Debt with XXXX. XXXX  was guilty of Breech of Contract & is TRYING to use collection agencies in an attempt to extort the amount from me. I send a dispute letter to the collection agency & they choose to not only ignore it but to put it on my credit report. This is not only unethical but illegal!
Consumer complaint received 2021-11-26
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. (AL)

I am a victim of identity theft. And as a result, false and inaccurate information were posted on my credit report. The Federal Law requires you to delete ALL accounts and inquiries which resulted from Identity Theft within a maximum of 4 Business Days from the receipt of a Identity Theft Report in accordance to the Fair Credit Reporting Act Section 605 ( b ). 

I HAVE ATTACHED HERE THE REQUIRED Identity Theft Report IN COMPLIANCE TO THE FAIR CREDIT REPORTING ACT SECTION 605 ( b )
Consumer complaint received 2016-08-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: TD BANK US HOLDING COMPANY (NJ)

I have already submitted earlier today a complaint ( # XXXX & # XXXX ) regarding XXXX XXXX XXXX. I wanted to make sure to include the other company in which he spoke of TD Bank, however, did not release an amount. Initially he stated that the total sum included both companies XXXX and TD Bank, but when sending information per my request, it listed XXXX only for the full amount. I was misled by them verbally, and nothing has been sent regarding TD Bank in which he mentioned. I 'm believing that he intentionally withheld information so he can do a second judgment in which he will continue to harass me. I 'm not denying owing either company, however, I am disputing the amount of XXXX and I have no idea of the amount he will be claiming from TD Bank. I 'm attaching more supportive documents.
Consumer complaint received 2020-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

Portfolio Recovery is re-aging debt on my credit reports. After a filing disputes with several credit bureaus the company continues to report several account open dates as the dates they acquired the debts from the original creditors, therefore extending the purge from date on a derogatory account changing it to be more current than the date of the original default, resulting in the account hanging on my credit reports longer than allowed under the law. Per FCRA, any changing of the date of first delinquency, the date of default, or the purge from date on an account is illegal. I have attached all the documents they have sent further proving that the action they keep performing is illegally re-aging a debt.
Consumer complaint received 2015-04-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My credit report is showing I am in collections both for XXXX XXXX and XXXX to an address in XXXX MA. The problem is I have never been a subscriber to XXXX and I have never lived outside of XXXX, MA.
Consumer complaint received 2022-08-04
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. (MI)

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 credit score over 719XXXX has me at a score around 590. 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 three 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 severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Ive contacted the following creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And the all three credit bureaus : XXXX TransUnion XXXX To remove all late payments as I agreed to pay-to-delete and goodwill deletions with all creditors however I did not get it in writing and they are refusing to delete rom my credit. Please kindly advise.
Consumer complaint received 2016-04-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: EQUIFAX, INC. (KS)

I have submitted these requests for corrections to my credit reports, XXXX and Equifax , multiple times now and have yet to see any change. I have even spoken with the collection office and been told it is going to be fixed. I am tired of the run around from the creditor and the credit agencies, I just want it taken care of.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I tried to contact Experian several times for them to remove all these names and addresses that are inaccurate and they are not removing anything. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-07-02
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY (TX)

I went through a Chapter XXXX which included a Reaffirmation of my vehicle. I represented myself and understand what was included in the Reaffirmation. The Chapter XXXX started in XXXX XXXX and was discharged XXXX XXXX. The Reaffirmation included the total amount due to TD Auto and included a payment schedule that I am to follow to pay the total amount I owe. That schedule started on XXXX XXXX, XXXX for 62 months and I have n't missed a single payment. XX/XX/XXXX I was assessed a fee and now shown to be late. When I called TD Auto I was told I missed a payment in XXXX and I was being charged for it. I tried to explain I went through a Reaffirmation in Bankruptcy and did not miss a single payment so I could n't be late. TD Auto stuck to the belief that the Reaffirmation meant nothing as I filed a XXXX complaint that ended in a stalemate with TD Auto insisting I was late. The XXXX referred me here to take the next step as they have no power to take this further. The complaint number from the XXXX is " Complaint ID # XXXX TD Auto Finance ''. TD Auto claims I never contacted them to make the missed payment when in fact I went through a Chapter XXXX and corresponded with their lawyers, agreed to Reaffirm what I owe, attended the court hearing for the Reaffirmation and was granted the Reaffirmation I sought and agreed to pay and have made those payments.
Consumer complaint received 2015-03-25
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I went through the free annual credit report online and had no problem wwith XXXX and XXXX online reports when I tried XXXX they form wanted me to sign up for a account and needed my credit card information and other personal info not required. I talked to a XXXX who argued that I had to sign up for a free membership with a {$14.00} a month trial period he refused to transfer me to a supervisor and gave me the wrong number to request it by mail. I called XXXX who also refused to send the report as required by law every year! Someone hacked into my XXXX and got into my XXXX account and ordered {$2000.00} worth of XXXX and XXXX. I just wanted to know if someone had applied by asking trans union! They totally refused and were extremely rude and hung up on me!
Consumer complaint received 2021-05-18
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

This person tells that he calling to collect a debt of {$400.00} that I don't even recognize. He calls about ever three weeks. XXXX XXXX XXXX called today XXXX XXXX.I don't remember that dates that this person calls. I want these phone scams to stop it is very annoying. He ask me if I live at XXXX XXXX XXXX.
Consumer complaint received 2020-10-07
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. (FL)

I received an Email from XXXX that I have a collection On my credit when I Check my credit profile I seen the inaccurate Account on my files that I did not Authorize I had This issue in the past. I thought it was over, now I'm noticing someone is trying to open knew Accounts using my personal Information please put a block on my credit where if someone pulls my credit i would have to be notified.
Consumer complaint received 2016-08-01
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Receivables Performance Management, LLC (CA)

Receivables Performance Management ( RPM ) has misrepresented the facts in order to try and collect on an alleged debt. I had previously filed a complaint against RPM disputing the alleged debt and stating that I have never received a validation letter. RPM responded that I had spoken with them in XXXX 2016, which is a flagrant lie because I did not speak with them in XXXX 2016. They are lying which is a flagrant violation of the Fair Debt Collections Practices Act. I have asked for verification as to the XXXX 2016 phone call because I did not speak with them in XXXX 2016. I have disputed the debt and RPM has not provided me any documentation as to how they own or are authorized to collect on this alleged debt and validating that I would owe such a debt because I dont. In addition, RPM agents hung up on me twice on XXXX XXXX, 2016 when I called to dispute the alleged debt. RPM has repeatedly lied stating that they do n't have a record of the phone call which is a flagrant lie. RPM is engaging in serious violations of the Fair Debt Collections Practices Act with their abusive and deceitful debt collection practices. I do n't owe any alleged debt to them and am disputing the debt. I want the alleged debt removed from my credit report. They are constantly trying to fish for information when you ask them to verify the information which is another flagrant violation of the Fair Debt Collections Practices Act.