davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2022 i was transfer from XXXX XXXX to this company XXXX XXXX since XX/XX/2022 when I started this complain that as I found today havent been resolve, I have lost my job due to the incorrect reporting on my account to the credit agencies, I was denied plenty credit application including the refinance I was trying to do with another companies in order to get rid of this horrible company, the not only report my account status incorrect but they shown that I owe them money when they had all the money that was transfer from XXXX XXXX Still I paid them all as of today and they agreed to send the information to the agencies in order to fix my credit with the truth and the same day I pay the last month I was holding g in order for them to fix this. They reported to the agencies that I was late 90 days when that was completely a lie. I am tired of fighting with this company for over 9 months in order to fix this and they only laugh on my to the point that in XX/XX/XXXX I lost my job because all the bad things they reported incorrectly to my account. I have spoken to 49 agents, 12 supervisor, 7 back-up team members and 2 customer care manager and only supervisor XXXX was the only one that was able to start a real dispute with all the departments involved on this. The same that was in communication with XXXX from the credit department who offered me to pay the month of XXXX which I was holding it in other to force them to fix the issue and he was going to send a letter to the agencies in order to fix my credit. Turns out m, they reported 90 days late the same day and as of today no- financial company, field that I work in, they want to hire me because my credit is a mess and low due to this disaster they made in my life. I am recurring to you in faith that I have the solution in order to clean my name and recover my credit score since they put me in the low level ever. Please help me out. If you need to contact me. Please call me at XXXX
Consumer complaint received 2015-04-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (VA)

This number, XXXX, keeps calling my husband without leaving a message. They claim to be looking for me. They said they were Southwest Capital calling about a debt but provided no other information. If you call the number it is an automated voice, and the only option is to give them your credit card to pay a debt. 

I checked my credit and am very aware of my financial statuses, I do not have any debt outside of my known loans.
Consumer complaint received 2019-03-16
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

YOUR COMPLAINT I am disputing the debt owed to Select Portfolio Servicing for Acct # XXXX under the name of XXXX XXXX. XXXX XXXX XXXX my loan on behalf of XXXX XXXX XXXX XXXX XXXX, as Indenture Trustee, for the benefit of the holders of the XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. I dispute the legitimacy of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.I have asked Select Portfolio multiple times for correct information on this trust and only receive a reponse back about who owns the trust. I need actual information on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to prove to me that this trust still actually exists. According to my research and in talking with reps from XXXX XXXX as well as XXXX XXXX, i can't get anybody to show me recent records of this trust. In my mind it doesn't exist and I dispute the legality of Select Portfolio Servicing actually collecting on it. I would imagine sind the are representing XXXX XXXX in collecting for this trust that they would know all about it and be able to show me evidence so that I could get this mortgage back on track with a peice of mind that my money is going where it should. If you look at my earlier complaints and the response I have gotten from Select Portfolio you will see they refuse to give me the exact information I am asking for. 
The foreclosure date of XX/XX/XXXX should be cancelled and they should give me what I need to get things moving forward.
Consumer complaint received 2016-10-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Financial Data Systems (NC)

The collection accounts were included in Chapter XXXX Bankruptcy. Financial Data Systems ( FDS ), the collection agency, received notice. The original creditor is to be paid by the bankruptcy trustee as listed on the Schedule F of my bankruptcy documents. FDS refuses to mark the accounts as " included in bankruptcy ''. Rather they keep the accounts marked as " medical '' implying that they are actively collecting on the accounts. I have made multiple inquires to XXXX, the only credit reporting agency that continues to list the accounts. They also will not correct the accounts. I view this as the debts still being collected on by the FDS until they are marked correctly so that future creditors will know I am not in active collections or until the accounts are removed all together.
Consumer complaint received 2015-09-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: SLM CORPORATION (MN)

Myself, and XXXX children have loans with Sallie Mae, payment was made and taken out of my account but Sallie Mae calling to say payment not made, try to verify where payment was posted and they now say I am not who I say I am because they either have XXXX or XXXX both names that I go by so # XXXX will not talk to me and they have flagged my account that I am not who I say I am. but are harassing that payment not made, they wo n't even talk to me to get the confirmation number from the bank.
Consumer complaint received 2016-11-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (NJ)

I feel like I was discriminated by TD bank in XXXX XXXX NJ on XXXX. First of all I was told that I will pay no servicing fee for holding my account at TD bank as long as I hold a minimum of {$100.00} balance. I contacted TD bank and told them that it 's not fair that I have been paying approximately {$15.00} per month when in fact I had the minimum balance required. They told me they could only refund one month of servicing fees and that it is my problem, and they do n't have to pay me back. They also told me that I will not have to pay any servicing fees for my saving account which I have been paying about {$4.00} per month for a couple of years. I applied for a personal loan at TD bank a couple of weeks ago and I feel I was discriminated by the bank due to my national origin which is XXXX and due to my XXXX faith. I have a heavy XXXX accent, and I felt like I was mistreated. I was declined for a unsecured personal loan for the amount of {$10000.00}. However I contacted XXXX personal loan a couple of weeks later and I was approved for a {$10000.00} unsecured personal loan. 
I know that the bank has taken advantage of my situation by not crediting any of the fees and declining a loan that I should have been approved for because other lender would probably approve the loan.
Consumer complaint received 2016-01-11
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: NCC Business Services, Inc. (FL)

A letter was sent to NCC Business Services on XXXX XXXX, 2015, via fax number that is provided on their website. After over a month of not receiving a response to my request, a letter was again sent out to them on XXXX XXXX, 2015, in which as of today, I have yet to receive a response to. At this time they have failed to validate the debt but since XX/XX/XXXX, they continue to report this to the credit bureaus ( all XXXX ) which I have documented proof from all XXXX credit bureaus, and they have failed to mark the account as consumer disputes this account. I contacted their office on today and spoke with XXXX XXXX, who identified himself as a supervisor as I asked to speak with the compliance officer or office manager after speaking with XXXX XXXX. According to XXXX XXXX, they never received the XX/XX/XXXX letter but received the XX/XX/XXXX letter. I advised him that it was sent to the fax number listed there on their website. He was very rude as I told him at no point did they mark the account as in dispute with the credit bureau. He stated he would try to get something over to the bureau to do so now, I advised him that it was too late as this would also be reporting inaccurate information as the initial dispute was 3 months ago. He refused to provide me with a contact name or allow me to speak with the officer manager as he stated he was " The Manager :.
Consumer complaint received 2019-03-16
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. (IL)

Experian has intentionally deflated my FICO score because I closed my monthly premium service the other 2 major agencies have my score in the780s XXXX and transunion but Experian has my core at XXXX Experian has 3 hard inquiry 's 2 are inquiry 's pertain to the same mortgage origination from XXXX for the same mortgage ; the other is unauthorized from XXXX to buy said mortgage from XXXX I should have1 hard inquiry have3
Consumer complaint received 2015-06-11
Product: Prepaid card — Government benefit payment card
Issue: Unauthorized transactions/trans. issues — 
Company: Comerica (CA)

During a recent audit of my account, I discovered that my account had charges totaling {$1700.00}. However, Comerica/Direct Express says I have done {$2100.00} in charges. I have done the math, have the printout and request your intervention in this matter. I have already complained to them without result.
Consumer complaint received 2023-02-25
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: W&A Intermediate Co., LLC (VA)

Choice Recovery is currently reporting an inaccurate account on my consumer report attempting to collect an invalid balance of {$280.00}. Ive disputed this account Via certified mail and requested debt validation ( see attached file ). Pursuant to 15 USC 1692g, Choice Recovery failed to send me a notice of debt/debt validation and is illegally using my consumer report to advertise a debt in attempt to collect the alleged debt being reported. I have no obligation to pay Choice Recovery and Im demanding them to remove the collection account from my consumer report.
Consumer complaint received 2019-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion Credit WITHOUT my permission put a FRAUD alert on the TRANSUNION CREDIT AGENCY. I requested removal of report -- -- - I did not authorize any FRAUD report. Please remove.
Consumer complaint received 2019-03-18
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: EQUIFAX, INC. (AZ)

I have been in communication with this agency via telephone, online, and certified US mail to attempt to get an ongoing issue resolved that has been an issue now for over a year. There are multiple inaccuracies and duplicate inaccuracies listed on my personal credit report with this agency that I have requested to be corrected and removed on multiple occasions. The only feedback that I ever receive is that a dispute will be issued on my behalf to investigate the complaint. 
I have requested specific details of any investigation that states that I am liable, I have asked for the person ( s ) name and contact information who may have confirmed the inaccuracies with no response or documentation being provided. 
These multiple inaccuracies and duplication have impacted my overall credit score and my personal lifestyle in a negative manner, causing me to lost job opportunities, pay higher interest rates on credit items, and have caused me the inability to secure stable residency due to these inaccuracies and duplication 's. 

NOTE : I have attached a copy of the complete form for XXXX, because as usual, I have to go through extensive measures just to access my Equifax credit report and I was told that I am not able to access it on line without a valid explanation. 

To have to continue through this extensive step each and every time, is a huge inconvenience to me especially when I am complaining about inaccuracies that these credit reporting agencies are listing onto my personal consumer credit file in error. 

All 3 credit reporting agencies make it very difficult to get in contact with them over the telephone, and when communicating online, there is never a satisfactory resolution. When you communicate through US Certified Mail, you never get the requested information regarding details of the investigations, you only get a single page showing which items have been deleted and which item still remain which makes consumers have to start over from scratch which further delays the correction/removal process, impacting the financial abilities of the consumer. All because items are just randomly being placed onto consumer profiles without any obligation to verify the information before impacting the consumer in a negative manner.
Consumer complaint received 2019-03-18
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. (AZ)

I have been in communication with this agency via telephone, online, and certified US mail to attempt to get an ongoing issue resolved that has been an issue now for over a year. There are multiple inaccuracies and duplicate inaccuracies listed on my personal credit report with this agency that I have requested to be corrected and removed on multiple occasions. The only feedback that I ever receive is that a dispute will be issued on my behalf to investigate the complaint.

I have requested specific details of any investigation that states that I am liable, I have asked for the person ( s ) name and contact information who may have confirmed the inaccuracies with no response or documentation being provided.

These multiple inaccuracies and duplication have impacted my overall credit score and my personal lifestyle in a negative manner, causing me to lost job opportunities, pay higher interest rates on credit items, and have caused me the inability to secure stable residency due to these inaccuracies and duplication 's.

NOTE : I have attached a copy of the complete form for XXXX, because as usual, I have to go through extensive measures just to access my XXXX credit report and I was told that I am not able to access it on line without a valid explanation.

To have to continue through this extensive step each and every time, is a huge inconvenience to me especially when I am complaining about inaccuracies that these credit reporting agencies are listing onto my personal consumer credit file in error.

All 3 credit reporting agencies make it very difficult to get in contact with them over the telephone, and when communicating online, there is never a satisfactory resolution. When you communicate through US Certified Mail, you never get the requested information regarding details of the investigations, you only get a single page showing which items have been deleted and which item still remain which makes consumers have to start over from scratch which further delays the correction/removal process, impacting the financial abilities of the consumer. All because items are just randomly being placed onto consumer profiles without any obligation to verify the information before impacting the consumer in a negative manner.
Consumer complaint received 2019-03-18
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: SUNTRUST BANKS, INC. (NC)

Since XXXX Ihave been trying to find out Who set up certificates of deposits in my name and joint with other persons When I went into suntrust bank on numerous occasions I was told my monies had a hold on them I found out that there certificate of deposits set up by some person but they were locked in and I couldn't access my monies. As per branch manager at XXXX XXXX in XXXX XXXX .va I have called and sent letters for them to track these monies I have over a XXXX dollars in settlement monies. Thru XXXX XXXX and XXXX XXXX  stolen lost and unaccounted for. I have had identity since XXXX & XXXX reported to all credit agencies and registered with the FTC. And confirmed in XX/XX/XXXX by the office of the comptroller for currencies USA Over 20 fraudulent credit requests from XXXX at XXXX XXXX XXXX XXXX XXXX claims fraud on a hard XXXX credit request in XXXX and a XXXX XXXX claim in XXXX with my name fraudulently involved by employee XXXX at XXXX XXXX in new York .the fraud prof goes on and on Also in approx XX/XX/XXXX there were settlement checks issued. To me under XXXX XXXX XXXX from their suntrust bank in XXXX va from XXXX XXXX XXXX XXXX XXXX in XXXX va for {$58000.00} approx And partial payment of approx {$3300.00} approx And {$76000.00} approx As per emails from XXXX XXXXat XXXX and XXXX the one was issued in XXXX and the others no record if issuing from suntrust with no record I have never cashed or deposited any of the checks Suntrust refuses to locate the settlement checks and certificates of deposits as per their XX/XX/XXXX & XXXX letters
Consumer complaint received 2019-03-18
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: Bread Financial Holdings, Inc. (MD)

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2019-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (KY)

Nationstar Mortgage LLC, dba Mr. Cooper, XXXX XXXX XXXX XXXX, XXXX TX XXXX sent me an incorrect form XXXX for tax year 2018. Box 5 Mip states {$540.00} which is incorrect It should be {$1100.00} which is confirmed in my escrow statement. Customer service agreed with me. 
I received the form XXXX on XXXX and I called Nationwide on XXXX Cooper sent me RESPA notice of 45 days to respond. It is now past 45 days and I want action as I need to file tax returns. Cooper has slowed walked my request.
Consumer complaint received 2019-03-18
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Windham Professionals, Inc. (SC)

A collection agency by the name of Windham Professional has popped up on my credit report for a student loan debt. I have NEVER heard of this collection agency and they have never even contacted me regarding this alleged debt. 

According to the FDCRA a collection agency is supposed to notify a consumer of an alleged debt and give me an opportunity to dispute the validity of the debt. If this collection agency had complied with the law then they would have known that this debt has been paid to a law firm and was taking monthly from my account. Windham Professional is also reporting an alleged inaccurate amount. I personally contacted the  law firm and was told personally to file this complaint because Windham Professional is illegal trying to collect on a debt that they knowingly does not own and can not verify, and they did not give me proper notification to dispute the validity before placing it on my report. I also have found that this collection agency has numerous complaints for this very same thing. I also will not hesitate to sue this collection agency for defamation and ruining my credit rating.
Consumer complaint received 2015-08-19
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I used www.annualcreditreport.com to request a free credit report from TransUnion on XX/XX/2015. Due to internet issues, I never saw my report nor had a chance to save that report. When I finally connected XXXX minutes later, I received this message, " You have already received your free Personal Credit Report from TransUnion ; therefore, you are not eligible to receive an additional TransUnion report at this time. " Does the law not require that I can " request and **obtain** all the information about [ me ] in the files of a consumer reporting agency? '' I do not want an updated report, but access to the report I allegedly " received '' on XX/XX/2015. As the consumer reporting agencies already maintain a record of my most recent date of " file disclosure, '' it is nearly costless to them to allow me to obtain my XX/XX/2015 report until I am eligible to " receive '' an updated report. Does the FCRA law allow these agencies to seal my " free disclosure file '' for one year due to a failed online attempt at " disclosure ''? I would like CFPB to help enforce substantive " disclosure '' or the " right to obtain a copy '' -- can you help me?
Consumer complaint received 2016-01-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I disputed XXXX XXXX from my TransUnion credit report I believe XX/XX/2015 and the item was deleted. I am now checking my report report from XXXX XXXX and this creditor is reporting back on TransUnion once again.
Consumer complaint received 2015-04-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Genesis Lending (CA)

I attended XXXX XXXX in the XXXX XXXX XXXX. When I signed up they told me I had to obtain a private loan to help cover the expenses the federal loan would not cover. I asked how about the grants, they advised the grants do n't always kick in but if they did they would refund the money to the Genesis Lending company. I signed up hesitantly because something did n't sound right. When I completed the program I asked about the accounting on my account because I know I obtain grants but the Genesis loan was never reimbursed and I bought books on my own so I wanted to see the refund on the money I did n't use. I got an excuse of I had to speak with the financial director but of course she was n't available. Unbeknowst to the person working on my account I saw on her screen that my grant was returned instead of my loan. I asked her again for a copy but was told only the director could give me that information. I was unable to receive the information on MY account which I wanted to verify how corrupt they are.