davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-07
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SOUTHSTATE CORPORATION (FL)

On XX/XX/2021 I have discovered an adverse reporting on my bureau with experian for a collection with a bank I have not had a relationship with. I have a collection on my account for {$30000.00}. I have disputed the matter with the credit bureau. I have also called the bank directly to find out what this was about and what their procedure to remove the claim was. Centerstate bank was completely unwilling to share practices on how to go about stopping the claim, including sending a police report filed for identity fraud. I have made the point if this was a valid collection, why was a letter, not one, was ever sent to us. It's as if this debt appeared out of nowhere. I'm not 100 % sure why Centerstate bank does not help us out or why procedures to dispute this are not handled. We are ready to formally proceed with whatever need to be does to prove this debt is not mine. 

Centerstate bank mentioned this was a mortgage for XXXX XXXX XXXX, XXXX, fl XXXX. A property we own and finance with XXXX XXXX XXXX. The mortgage ( balance around $ 58k ) is current and paid timely. This mortgage is also under my husband 's name, XXXX XXXX. Once again, how is there a mortgage for $ XXXX for a property that was never even under my name, with a bank we've never done business or signed a contract with? And once again, they are completely unwilling to work with us to fix this matter. 

The associate i've spoken spoken to at Centerstate bank was called XXXX in their winter park branch. She said she would 'call me back '. Her tone was telling that I would never get a call back from them. The phone number I dialed was XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (CA)

My mortgage was recently transferred from XXXX mortgage to Truist, I was informed over the phone that Truist does not allow recurring payments to be setup from external bank accounts. They told me they only allow recurring payments from Truist bank accounts. 

On their website, when I try to setup an recurring payment from an external bank account - that functionality has been disabled.
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (ME)

I have several consumer loans I am making payments on that XXXX  refuses to report. According to the FCRA, if a consumer report is inaccurate or incomplete, it must be corrected and made complete. I have reached out to XXXX  on several occasions, to no avail. My inaccurate consumer report is credit score is tarnishing my personal reputation and causing me mental anguish.
Consumer complaint received 2022-10-12
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AZ)

XXXX XXXX is not the problem XXXXExperian is the issue** I contact XXXX  an explain I caught XXXX XX/XX/XXXX went back for check up and was admitted in the hospital due to problem with my XXXX and extremally XXXX XXXX XXXX. I was in the hospital for XXXX  days. They said no problem I need to contact the credit bureau which I did on XX/XX/XXXX to dispute XXXX XXXX day delq. on my credit report report # XXXX got an update on XX/XX/XXXX nothing changed. Call Experian on XX/XX/XXXX to find out why it didn't update, the representative at EXPERIAN told me XXXX  stated it was not a valid reason, I need to contact XXXX. On XX/XX/XXXX I contact a manager at XXXX  who advise me EXPERIAN NEVER CONTACT THEM. WHY would EXPERIAN HAVE A REPRESENTATIVE LIE WHEN THEY NEVER CONTACT THE COMPANY OR DID A PROPER INVESTIGATION. AFTER EXPLAINING TO THE MANAGER SHE REVIEW MY ACCT NEVER 30DAYS  LATE IN FACT THIS IS MY 2ND LOAN WITHOUT A BAD PAY HISTORY. XXXX STATED THEY HAD NO PROBLEM REMOVING THE 30DAY DELQ BUT THE CREDIT BUREAUS HAVE TO DO IT. SHE WAS WILLING TO SEND ME A LETTER TO CONFIRM. WHICH THEY DID.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2022-12-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MD)

I had a house at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and I had XXXX behind on some payments Wells Fargo wasnt understanding and gave me some problems I was receiving calls all during the evening it was alot of harassment calls
Consumer complaint received 2019-11-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc. (FL)

Good Night, I purchased furniture at XXXX XXXX XXXX, they offer me a Credit Card from Comenity Capital Bank, they offer me 12 month financial without 0 % interest, they only said that then will be charge 29.74 %, I finish paying but somehow I get behind on the last payment which I complete few weeks later, they are charging me extra money and they didn't stop, they said I have to pay the interest of the full loan even that I have done the old payment which are like XXXX form the original XXXX because that's on the contract, I spoke to them and I explain that I never receive that information, for me is unfair, I signed into digital screen and didn't receive any verbal no written information about this, only they said that It will be 29 %, they said that there is nothing that they can do and in order to stop doing more charges I have to pay the full amount. they usa a sister to remind you when to pay but actually they remind you when you are already past due. I need to first get in to a fair solution and then close the account with this bank I have never had problem before with any kind of credit. I also going to send the only documentation that I receive when I open the credit card. Thanks a lot Have a good night
Consumer complaint received 2022-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

n accordance with the Form 1099-C requirements XXXX account XXXX has been illegally reported on my consumer report ; Form 1099-C must be filed regardless of whether the debtor is required *to report the debt as income*. ( and is therefore not a debt but income ) However the debtor has reported this account as debt but remarked and/or reported the account ( for months ) as charged off ( i.e. 1099-C filed ).
Consumer complaint received 2020-12-16
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: TRUIST FINANCIAL CORPORATION (ID)

I have 5 inquiries that are not mine, nor did I approve them and they appear to all be fraud. 
* XXXX XXXX XX/XX/2020 *Lighstream XX/XX/2020 *XXXX XX/XX/2020 *XXXX XXXX XXXX XX/XX/2020 *XXXX XX/XX/2020
Consumer complaint received 2019-11-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (SC)

While my payments were being deducted from my bank account the first of every month SLS doubled my contractual payment to correct errors of SLS. 
I have not missed any payments but SLS took my XX/XX/XXXX payment and did not give me credit for it causing my account to remain delinquent for over a year ruining my credit. Why to cover illegal inaccurate spreads of escrow shortage of funds in their possession. SLS ' failed to file insurance claims to correct their errors which and refused to honor my request that a Stay be placed on any/all account activity until SLS corrected said errors in handle my escrow. Said failure has resulted in one and a half years both financial and emotional abuse due to errors of SLS and failure refusal to correct them in a timely manner, which must end now, in XXXX of XXXX. 

SLS doubled my monthly payment to correct errors of miss calculating my escrow, refunding excess escrow, reducing my monthly payment {$660.00} for 10 months, everyone knows 10 x {$660.00} is {$66000.00}, but SLS insisted I had a {$19000.00} escrow shortage and refused to produce escrow bills paid to demonstrate said claimed shortage. To prevent my home from going to foreclosure due to said increase/unaffordable payment I suggested the funds be taken from my principal account instead. For the next 100 days SLS slowed removed over {$9000.00} from my principal account to reduce said shortage down to over {$10000.00}. SLS changed my payment in XXXX, XXXX, XXXX and XXXX of XXXX for said illegal changes in payments and took my XXXX payment without me missing a payment causing my account to be one month delinquent for over a year ruining my credit. 
Since SLS discovered said errors in XXXX of XXXX they have been destroying our lives both financially and emotionally and it must end now,
Consumer complaint received 2021-10-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: EQUIFAX, INC. ()

Vehicle was repossessed I haven't received no notices by law of vehicle when sold how much it was sold for by law 9-506. EFFECT OF ERRORS OR OMISSIONS.

9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL
Consumer complaint received 2019-11-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (CA)

I was in forbearance and recently it has been changed by Great Lakes with out notifications. The name on the loan does not belong to me and I asked several times to verify and validate the loan that it belongs to me. Great Lakes has false information and continue to change things including the name of the school and location. I am confused and do not understand why they are doing this to people and they are very rude when trying to handle this issue. Can you please assist? 
Great Lakes XXXX XXXX XXXX XXXX, WI XXXX
Consumer complaint received 2022-03-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I have had this loan for the past couple years with no issues on payments being received or bills reaching me. My loan is near pay off and I have had several issues with checks I have sent in not reaching the bank and never being cashed, bills not being sent to me and fee 's being assessed for each of these issues. The bank admitted billing issues at the beginning of the 2022 year and indicated that bills were not going out correctly. I have called multiple times to dispute the bills not arriving to me as well as my checks that have never been received. They have had no problem charging me late fee 's but have not addressed any of my issues. I feel this is a blatant attempt to drive up their profits by getting extra fees from customers, especially at the tail end of the loan period when they will expire.
Consumer complaint received 2021-09-01
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. (PA)

Hi I am XXXX XXXX with SSN # XXXX. On XX/XX/2021 i sent you a letter regarding inaccurate info on my report but its been a month now, i still get no response from you, i know fcra requires you to respond w/in 30 days but it seems your not taking it seriously for i am sure you recieved my letters. now If you check my report thoroughly you will see a lot of inaccuracies there so I please fix your errors because its affecting me a lot. I will be waiting for your response.
Consumer complaint received 2021-09-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (TX)

In XXXX I contacted National Credit Systems , Inc . I explained to them that my information was incorrect and that I had already taken care of this through the original client. It seems that they had the incorrect information regarding my insurance. I was on XXXX XXXX and XXXX at the time services were rendered. I also asked for original documents to be sent to me regarding this matter. I was told they would be mailed out and I was told they would give me a call back after investigating. I have yet to receive the documents and I have yet to receive a call back! 
I contacted National Credit Systems again today XXXX regarding this matter once again only to be told that the will send me an itemized bill of the charges. 
Well I should have been sent that before this was ever placed on my credit! I should have received that when I called two months ago and requested it! 
I am needing the company to delete this ASAP.
Consumer complaint received 2021-09-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Direct Recovery Services, LLC (GA)

I received a robo call from a company I have never heard of. 
Here is the voicemail " Federal law designate this matter as a confidential notice for wrong name. If this is not wrong name please hang up now. If this is wrong name please continue listening to this message you not listen to this message where others can hear as it contains confidential information. There will now be a three second pause. Hello. Unfortunately we've received a notice on your file. It is now Wednesday XX/XX/XXXX and your file has reached our office. Due to your failure to respond we do need to know what was done intentionally or was it was an oversight. I think if you communicate. We are open until XXXX XXXX  today. The phone number is XXXX .... '' In the voicemail mail the automated voice changed 4 times. They also listed an account number and to go to a website to make a payment. 
I do not have any outstanding debts to start with. I have not recieved any notification of this debt besides the phone call. This company should not be calling and after research I found this company is a scam. 
I have been on the Do Not Call registry since XX/XX/2003.
Consumer complaint received 2021-10-17
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

There are inquiries on my XXXX credit report which do not belong to me and I did not provide authorization to pull my credit report. 

XX/XX/2021 with XXXX XXXX XXXX XXXX not mine or I did not apply for and requesting it either be removed or provide proof I applied for this card. Included with the proof I am requesting by which method was the application i.e. online, via phone or in person, if online please provide the ip address. XXXXThere was a line of credit opened which I had immediately closed. 

XX/XX/2021 A Capital One inquiry is not mine or I did not apply for and requesting it either be removed or provide proof I applied for this card. Included with the proof I am requesting by which method was the application i.e. online, via phone or in person, if
Consumer complaint received 2021-09-01
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. (TX)

I have an entry on my credit file with Equifax for a delinquent account with an unpaid balance of {$310.00} reported by XXXX XXXX XXXX XXXX ( account number XXXX ) which doesn't belong to me. I sent a dispute letter on XX/XX/2021 challenging the accuracy, compliance and reportability of this entry. Equifax and XXXX XXXX XXXX XXXX has failed to provide me with copies of any documentation associated with this account, bearing my signature within the 30 days allotted to complete an investigation plus the extended 15-day period.
Consumer complaint received 2019-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I needed to remove a credit freeze on my credit report with TransUnion on XX/XX/XXXX or XXXX XXXX ( don't remember exact date ). I contacted them by phone. And, they asked me a bunch of questions to identify me including : 1 ) Name and address ; 2 ) Birthdate ; 3 ) Social Security number. 

Next, they asked me if I had a PIN. I never had a PIN with TransUnion. And, I said so. Then, they asked me a couple of security questions. And, here were two of those security questions : a ) In XXXX on this specific date ( i.e. XX/XX/XXXX XXXX, you applied for a credit card limit. What was its limit : i ) 0 - {$1000.00} ; ii ) {$1000.00} to {$1500.00} ; iii ) {$1500.00} - {$2000.00} ; ... v ) {$3000.00} and over.

b ) In XXXX on this specific date ... remaining of the question structure was identical to a ). 

When asking those questions TransUnion did not provide any information on the name of the creditor that I had applied for credit ( bank, dept. store, etc. ) After the very first question, I told the  TransUnion rep how could she expects me to remember such an event dating back over 4 years ago? She simply answered " well that is how our systems are set up. '' I answered, that this was really absurd and unprofessional. 

After the second question, I was now baffled that she would ask me the same type of question expecting me to recollect a mundane event in greater detail with virtually no information provided about the event ... and an event that occurred nearly 20 years ago. I told her that such practice was just not right and that I was going to file a complaint about it with the CFPB. 

Based on the above, after this lengthy and torturous phone call I was unable to remove my credit lock with TransUnion. Even though I did not incur any direct damages, I really want the CFPB to force TransUnion to change their system of security-questions that as described is completely absurd. No normal person could pass these types of test.
Consumer complaint received 2018-10-17
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (MN)

On XX/XX/2018 Navient attempting to collect a student loan debt. I am listed as an information contact on my husband 's student loan. Navient used the whole day to contact members of my family who have nothing to do with the loan. They called at least 4 family members that I know of and possibly more. This was very upsetting to them and it was an invasion of my privacy. When I called in to tell Navient to never contact members of my family again I was met with pauses and aggression. All they could tell me was it " probably '' won't happen again and the people would have to contact them to get their names put on a do not call list. When I told them the law and how they were not allowed to give 3rd parties any information that would indicate that the call was about collecting a debt and that they weren't allowed to call them more than once, they told me they didn't break any laws. They identified themselves as Navient on the voicemails ( 2 of which I still have as well as a recording of the conversations today ). I asked them to give me an example of what else Navient would be trying to contact someone about other than to try to collect a debt and they were unable to even give me one example. They also told me in order to get names put on a do not call list you must own the phone. I do own two of the phones, but they never went through the process of putting the numbers on a do not call list. I was also told that there wasn't a do not call list by a supervisor. I spoke to 3 people and no one there could tell me what the law was regarding calls to a 3rd party. They just threatened to end the call when they didn't have an answer. My family felt confused and harassed by being called about a matter regarding  someone they have nothing to do with. My family wishes to never be called about this matter again in the future or they will continue to take actions like this or more serious measures. My husband JUST made a payment to Navient on XX/XX/XXXX, so he's not even 2 months behind and these phone calls were harassing.
Consumer complaint received 2019-11-10
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: Experian Information Solutions Inc. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.
Consumer complaint received 2021-10-18
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: Professional Finance Company, Inc. (CO)

I had a medical bill recently go to collections. I agreed to pay the debt on my next pay day and I just found out that they are flagging my credit report weekly and harassing me which is illegal. The company is called Professional Finance in XXXX, CO and I have a screen shot from my credit report showing the weekly flagging.