davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (NY)

To whom it may concern, My name XXXX XXXX. My husband has a repayment agreement with CitiBank to repay a loan I took This was forced on him because I filed for bankruptcy and he was forced to agree to repay the loan with a fixed interest rate of 7 % and a fixed payment amount. I have been making payments because he has almost no income, and payments have been made on time and for the correct amounts, but for the second time, CitiBank is trying to scam my account by reversing the payments I make to them, despite the fact that the payments are first accepted and the account which payment is made from always has the sufficient amount to make the payment. 
This issue has come up once again, I made a payment over the phone on XX/XX/XXXX, on a Checking Plus line of credit, # XXXX, which my husband has a repayment agreement with CitiBank at a rate of 7 %. I was told that the payment will be processed on XX/XX/XXXX. On XX/XX/XXXX, I called to ask if the payment was processed. I tried to make a payment for the second time and I was told that everything was fine and the payment was processed. 

However, XX/XX/XXXX, I received a bill stating that no payment had been made. I called immediately to fix it and made an ADDITIONAL payment of {$100.00}, calling the Citibank number XXXX. Representative XXXX, said everything is fine and the account is in good standing. 

Today, XX/XX/XXXX, I received a letter from CitiBank that they can not find anything about my account and that I should contact the bankruptcy department. I called today, and spoke with representative XXXX. I gave them my social security, my account number, my address, but representative XXXX refused to speak with me unless I give him the exact date that my account was opened. I do not recall this date because it was so long ago, and I do not understand why this is needed when I had already provided A ) An account number B ) Social Security Number C ) Address D ) My full name All possible information was provided. I do not understand why CitiBank is unable to access my information without the date the account was opened. I strongly suspect that this is made to defraud me and prevent me from making payments or discussing my issues with CitiBank. There is no other reasonable explanation.
Consumer complaint received 2019-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: COMMUNITY FINANCIAL SYSTEM, INC. (PA)

Home appraised at {$200000.00} we purchased it for {$160000.00}. We have made bi weekly payments starting XX/XX/2019. The PMI still has not been removed. We are well within the range where PMI should not be taken out of our mortgage.
Consumer complaint received 2019-10-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (MD)

For the past several months, I have been disputing this inaccuracies that are Listed in my credit report I have written three letters to the credit bureaus ( Experian and XXXX ) in which I requested these inaccuracies be removed. Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies is as : XXXX, ACC # XXXX. I also contact XXXX for the balance I had pay them before which was {$460.00} different than the one they reporting??? I also call Experian on XX/XX/2019 and talk to XXXX about disputing it and she failed to submit my complaint ( please have experian address the failure she did have all my credentials, no excuses they can find her and address it.
Consumer complaint received 2020-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Social Finance, Inc. (IL)

In XXXX of XXXX my father-in-law suffered a XXXX XXXX and my wife had to stop working for 4 months to care for him. As a result, our monthly income was decreased. I contacted my credit card companies and loan companies and asked what payment assistance they can give. My credit was impeccable. No missed payments in 20+ years. Every company assisted in allowing me to defer payments or allowed me to pay a lower payment or interest only. Nothing negative was reported on my credit. 

However, when I spoke to Sofi Lending Corp in XXXX of XXXX, they said they would allow me to skip 3 payments and it would be added on to the end of the loan. I spoke to a XXXX XXXX XXXX at Sofi (  email address : XXXX ). I received an email with a link to the secure message. The message has since been removed from the Sofi document center. But I have a copy of the email. Everything was agreed to verbally ( as was with XXXX, XXXX, and XXXX XXXX XXXX, all of them were extremely accommodating during the medical crisis ) I skipped the first payment as instructed and then I was receiving past due phone calls. Each time I spoke to them, they said their system wasn't updated as I explained the agreement. Each time they said they updated my file to show the deferment. But they kept calling for the next few months and I as adamant that my credit not be affected. They assured me it would not. I started making regular monthly payments in XXXX of XXXX and made the monthly payment on time each and every month. However, when I applied for an auto loan in XXXX, my credit score was greatly decreased due to multiple missed payments on my Sofi account. I contacted Sofi MULTIPLE times and they keep telling me all they show is the account was consistently past due. THIS IS INCORRECT. I contacted the credit bureaus, all 3, they said Sofi is claiming the information is correct. 
I need to have my credit information updated to show that NO PAYMENTS WERE EVER PAST DUE TO SOFI LENDING CORP .
Consumer complaint received 2019-10-24
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Insight Management Partners, LLC (AZ)

This company has repeatedly called and left messages for someone THAT IS NOT ME. 

They called XX/XX/2019 at XXXX. 

And then XX/XX/2019 at XXXX! 

I already explained to them that this number DOES NOT belong to the person they are trying to reach and they continue to call, leave very threatening sounding voicemails, and at inappropriate times. 

Their voicemail states that I should contact them or have my legal representation contact them, and that " it is in my best interest to do so very soon '' -- but said like it's a threat to whoever they're looking for.
Consumer complaint received 2023-01-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (OH)

I'm trying to dispute a charge made on XX/XX/2023 for {$350.00} with PayPal, but PayPal 's dispute and customer support section is inaccessible and reports an error. There doesn't appear to be a way to reach PayPal to dispute the charge or talk to someone.
Consumer complaint received 2022-11-07
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. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-10-24
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-10-24
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

I have asked them repeatedly to stop calling and to correspond with me through mail. Was told I owed a debt and I had to pay it, and it's not their fault I can't my my bills on time. Was asked how much I make a month because there's no reason I can't pay them.
Consumer complaint received 2019-12-12
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)

I would like to request the suppression of the following items from my credit report, which are the resultof my falling victim to identity theft. This information does not relate to [transactions that I havemade/accounts that I have opened], as the attached supporting documentation can attest. As such, itshould be blocked from appearing on my credit report pursuant to section 605B of the Fair CreditReporting Act.
Consumer complaint received 2022-10-10
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)

In accordance with the Fair Credit Repoerting Act XXXX Account # : XXXX  XXXX BANK NA ACCT # XXXX XXXX XXXX ACCT # XXXX SELF XXXX BA ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX/ ACCT # XXXX XXXX  XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX JEWELERS ACCT XXXX XXXX XXXX XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX ACCT XXXX XXXXXXXX XXXX COLLECTION SERV ACCT # XXXX XXXX XXXX ACCT # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-03
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: Experian Information Solutions Inc. (CA)

I have filed disputes In regards to the INNACURATE items on my credit report. It has been well over 30 days, and I haven't received any investigation results.
Consumer complaint received 2023-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC (TX)

Good afternoon, I have a XXXX loan from XXXX XXXX XXXX that is currently managed by ECSI. I XXXX with my XXXX in XXXX of XXXX, and immediately went to XXXX school at XXXX University ( staring in XX/XX/XXXX ), where I then graduated in XXXX of XXXX. My XXXX loan was thus in deferment for all of graduate school and 9 months after my graduation, meaning the first payment should have been due in XXXX of XXXX. 

I received a bill from ECSI for XXXX of XXXX, 3 months early. I contacted them directly and pointed out the error. They insisted it was not an error, and that my time as a student at XXXX " does not count ''. Not only is that not what all the documentation I have says, it is worth noting that this doesn't even match ECSI 's own records ; it does not show interest beginning to accumulate while I was in graduate school, so this was internally inconsistent, too. 
When I pointed the representative to a website explaining the terms of XXXX loans, her response was to claim that XXXX loans are " not Federal Student Aid ''. You will find these quotes in the attached document. 

When I was unable to reach any resolution with ECSI, I spoke with XXXX XXXX at XXXX, who was able to confirm that ECSI was in error. I received an email from her on XX/XX/XXXX confirming that my information had been updated with ECSI and the error had been corrected, and that the 9 month grace period had been applied, so I expected a bill in XXXX. 

Today, I received a bill in the mail from ECSI showing that I have XXXX months of past due bills : XXXX for XXXX, and XXXX for XXXX, plus a {$5.00} charge. This is the first bill I have received from them. I just spoke to yet another ECSI agent who is trying to tell me that the initial deferment period is 6 months. 

This bill is wrong, and I have already spent hours getting it corrected, only to have them send it again, late, with overdue fees. This is negligent at best, and at worst, exploitative. 

I am attaching a transcript of the XX/XX/XXXX conversation as well as the email from XXXX, and then the follow-up conversation from today ( XX/XX/XXXX ).
Consumer complaint received 2021-04-04
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

I have a commercial mortgage with Santander bank for 3 units buildings in XXXX, New York. I refinanced my mortgage with Santander Bank in XXXX in the amount of $ XXXX. At that time, my loan officer was XXXX XXXX from Santander bank. I was never late earlier, and currently, I owed the bank around $ XXXX. Because of COVID1 9, I had a hard time paying my mortgage payment ; hence I applied three months forbearing plan for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Around XX/XX/XXXX, I have received a call from XXXX XXXX 's personal cellphone ; he said that he doesn't work with Santander bank anymore ; he warned me that I need to do refinance my mortgage immediately with his own investor ; otherwise, the bank will take over my building within few months. Simultaneously, I got a call from the individual appraisal, who informed me that XXXX XXXX from Santander bank sent him to do the appraisal of my building. When I called XXXX XXXX mentioned that we bought the note of our mortgage. He is the only person we can talk to regarding our mortgage with Santander bank ; He also mentioned that even though I pay my 3 months past due payment of {$8500.00}, it will not be enough ; hence, he will still be going to take over the building. XXXX XXXX gave me only one option : to pay him close to $ XXXX, which included a Yield maintenance fee of $ XXXX, an Appraisal fee of $ XXXX, and private insurance of {$4700.00} even though I provided him the evidence of my current insurance of this building. In the meantime, a formal employee, XXXX XXXX called me and scared me again. When I asked XXXX XXXX, who is XXXX XXXX? XXXX XXXX told me that he is an executive officer of Santander bank has all the powers on my loan. I have received notice from Santander bank and XXXX XXXX 's attorney that I have to immediately pay my whole mortgage amount of $ XXXX + $ XXXX.
Consumer complaint received 2022-11-07
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: Experian Information Solutions Inc. (TX)

I AM XXXX XXXX I HAVE SENT MULTIPLE LETTERS TO THE BUREAUS BUT I DO NOT RECEIVE A RESPONSE. SOMEONE TOLD ME THAT THEY ARE SHREDDING LETTERS THAT THEY THINK IS FROM A THIRD PARTY. HOW CAN THEY DETERMINT THAT? I AM THE ONE SENDING MY LETTERS AND THEY ARE VIOLATING MY RIGHTS.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have not supplied under the doctrine of estoppel By the silence of Engelhardt v Gravens ( mo ) 281 SW715.719| presume that no proof of the alleged debt. no therefore any such debt in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX Balance {$25000.00}, XXXXXXXX XXXX XXXX  Balance {$1200.00}, XXXX XXXX XXXX XXXX balance {$1000.00}, XXXX XXXX {$650.00}XXXX XXXX XXXX balance {$9200.00}, XXXXXXXX XXXX XXXX {$12000.00}, XXXX XXXX balance {$33000.00}, XXXX Dept of Ed balance {$11000.00}.
Consumer complaint received 2019-10-24
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)

Hello, I had this problem before literally about 7 years ago. I provided Experian proof of payments of medical bills and even spoke to collection agency. And they refused to take these things off of my credit report. 

Once again I have been fighting to clear my credit for 3 months now. An Experian refuses to remove anything. They have been doing this to me for the last 10 years holding errors and incorrect information on my account that is not mine or that should have been removed. I have been disputing for the last 3 months. Nothing has changed and no response from them either. 

I will need to have these errors removed off my account or I will have to seek legal action. 

XXXX
Consumer complaint received 2021-02-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (GA)

I applied for a mortgage refinance with AmeriSave Mortgage on XX/XX/20. 

3 1/2 months later we still have not closed on our new loan. They provide virtually no answers other than " we have escalated your file '' and now have stopped responding to emails and phones call in the last week. This was after already asking for a manager to contact me. 

I have provided documents as soon as they were asked for and there hasn't been any reasons given for the delay. I feel like I have been scammed out of a {$500.00} application fee plus a new flood insurance policy that I purchased for the refi.
Consumer complaint received 2022-06-23
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. (LA)

In accordance with the Fair Credit Reporting Act. The following account is violating my rights. 
- XXXX XXXX {$9600.00} 15 U.S.C . 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY INSTRUCTIONS
Consumer complaint received 2019-10-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

So I received my credit profile 's from XXXX  & XXXX which both include 2 collection account 's placed with LVNV. I sent them a debt validation letter which I never received a response. So last week I contacted them via phone, explaining how I requested proof of the debt. They informed me it was a cease & desist on the account to speak with me I need to allow them to remove it. So I proceed & explained how I would like proof this is a valid debt if not I would file a police report at my local police station, regarding these accounts. Credit one the orginal creditor deleted their reporting I do not understand the issue with the collection agency. 
lvnv Funding Llc Opened XX/XX/XXXX {$920.00} Original creditor : XXXX XXXX Lvnv Funding Llc Opened XX/XX/XXXX {$830.00} Original creditor : XXXX XXXX XXXX N A Dear Sir / Madam, I have recently disputed a derogatory mark for collections on my credit report from LVNV Funding, LLC. I have never received any form of Initial communication stating I was the consumer and without my knowledge or any form of initial communication this debt was also added to my credit report. The notice was not received in the allotted time given by the FDCPA for me to dispute or validate this alleged debt. For this reason I have no information on account number or file numbers. I am disputing the validity of this entire debt. I am requesting validation of this account per the Fair Debt Collection Practices Act Sec. 809. I would like to acquire the following information for the purpose of validation : Documentation from the original creditor of the following ; Original date of default or non-payment of the debt The last valid payment to/toward the above creditor Name and address The original balance The date of transfer from the original creditor to the debt collector The date ; in which LVNV Funding, LLC made initial contact with me about my debt. ( The initial phone call and written notice. ) FDCPA Sec. 809. ( a ) Notice of debt ; contents The current balance of debt. This is not an acceptance nor acknowledgment of this debt. Note that these are the rights given to me by the Fair Debt Collection Practices Act which allow me to dispute and validate my debts. If LVNV Funding LLC can not provide the following evidence within 30 days of receipt, all consumer reporting agencies must be notified to delete this trade line and cease collections of this debt Sec. 809. ( b ) Thank you
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I reach out to Experian Credit bureau about an incorrect, inaccurate, and fraudulent bankruptcy in XXXX I received an email from them showing my report which it stated to contact their third party vendor XXXX XXXX. So Contacted XXXX XXXX In XXXX I was told that they had removed the 2 chapter XXXX Bankruptcy in XXXX of 2020. So I call Experian on XX/XX/XXXX and spoke with a Supervisor who stated to send in the document from XXXX XXXX show that the bankruptcy has been removed. I uploaded the document on XX/XX/XXXX an and called back on XX/XX/XXXX I was told by a XXXX who answered that that document Doesn't mean anything. I then call XXXX XXXX and tell them what Experian said and they tell me that all I have to do is show Experian that document and they should remove it. My problem is that On the report sent by Experian it clearly stat that they get their information from XXXX XXXX and once XXXX XXXX removed it, it should have been removed from their system as well. I want those 2 chapter XXXX bankruptcy removed immediately as Experian is lying and refusing to removed these items that were removed from there source which is XXXX XXXX  as a consumer this is not right. See documents.