davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

On XX/XX/XXXX, XXXX was disputed on TRANSUNION CREDIT SERVICES. THE WEEK OF XX/XX/XXXX XXXX XX/XX/XXXX, Transunion deleted information due to lack of verification. On XX/XX/XXXX, XXXX was reinserted without any prior notification. On XX/XX/XXXX, XXXX accepted the debt validation letter that was sent. XXXX has not sent any validation notices to show proof. It was requested to provide 1. the original account-level documentation reflecting all purchases, payments, or other actual uses of the account ; 2. a document signed by XXXX XXXX evidencing the opening of the account forming the basis for the debt ; 3. the name of the creditor at the time of charge-off, including the name under which the creditor did business with our client ; 4. the last four digits of the account number associated with the debt at the time our clients last monthly account statement, or, if not available, at the time of charge-off ; the charge- off balance ; 5. XXXX method of calculating any amount claimed in excess of the charge-off balance ; 6. a copy of the statement where XXXX offered to provide our client ( within 30 days of a written request ) with copies of a document signed evidencing the opening of the account forming the basis for the debt ; and the original account-level documentation reflecting a purchase, payment, or other actual use of the account. XXXX was given another 15 days ( goodwill attempt ) to  validate debt was sent on XX/XX/XXXX. Have yet to send the above required documentation and have yet to delete/ block account account number XXXX from XXXX   on TRANSUNION credit services
Consumer complaint received 2020-02-11
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. (AR)

My identity has been compromised. I found out because I received so many calls from debt collectors about unpaid medical bills. I was so confused. I pulled my credit report and saw items on my report that I have never seen. These accounts are not mine. Please remove them from my report.
Consumer complaint received 2020-01-18
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Mercedes Benz Financial Services (VA)

Mercedes has intermittingly refused to take credit card or bank checking acct payments over the phone, without forwarding to a 3rd party ( XXXX XXXX ) for routine, bi-annual tax bills on a leased vehicle. When this occurs, a large cash advance fee is charged by the card because of the way it's submitted. Large Checking acct fees are usually charged by Mercedes but they're sometimes waived depending on the rep. The bills state what this may be allowed under State law but they won't say what law. This issue has been reoccurring for many yrs. Now they simple refuse to tell me what law they're referring. When I've pd by check, they often confuse this pymt with my regular monthly auto debit pymt for my lease. This is frustrating. You've tried to help back in 2016, now they're starting again. Please advise. Thank you.
Consumer complaint received 2020-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (AL)

XX/XX/XXXX this debt was reissued 3 different times to my credit report AFTER it had been deleted by using another company name and reason for collection. It also has been split into two collection agencies STARTED AS XXXX XXXX XXXX in XXXX, then AFI  in XXXX, then as another XXXX in XXXX. This is NOT my debt. I NEVER missed a payment with XXXX XXXX XXXX and had a combined billing with tv, home phone, internet and cellular service. Ive tried for two years to get whatever this is removed from my report and it been reinvestigated over and over and over successful then reapplied.
Consumer complaint received 2020-01-18
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. (NY)

THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE.
Consumer complaint received 2020-01-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NY)

LVNV funding have no record of this debt or validity of said debt it just appears on my credit report. Have put in a dispute with XXXX  via phone as I have paid any debts with any validity to them. I do not believe this is an actual debt owed by me. XXXX   XXXX
Consumer complaint received 2020-02-11
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. (CA)

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-01-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (WI)

at the beginning the payment was too high the payment was at XXXX a month me and my dad we do make that amount but it would take every thing we have also I have been tiring to remove my sister of the loan the XXXX co said it could if the loan was current but that is a problem we are both working part time and on social security the bank told me to have her give paystubs and other documents of hers but she will not sign she feels should not have to because is not living in that home please let me know if you can help me the loan was with a different bank at the beginning and was transferred over when the other bank had the loan they said I did have to use her name if she was not contributing or not living in the house but the new bank said I still do is there any way to still go and by pass her off thanks XXXX XXXX
Consumer complaint received 2020-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

I have a PayPal Extras Mastercard for a few years now. Unfortunately my current charges do not appear on my online account when I log into my Paypal.com account. I have contacted their customer service twice, one time by online Chat to no avail ; and, also by telephone to try and resolve this issue. Both times that I have contacted their customer service representatives I am told that there is a problem with their system, a glitch in the system ; however, this has been happening for months now. 
The person that I spoke with online Chat is XXXX ; and, by telephone was XXXX. 
I am concerned that without viewing my current activity online, I can not keep track of current balance, nor any fraudulent charges to my account. I try to monitor my credit card accounts to catch any fraudulent charges, or identify theft issues, before they become major problems. Unfortunately there are only three purchases/transactions listed online on my account under " Activities '' and those are old purchases. 
Can I get assistance with them keeping current with their online accounts to post all current activities. The last purchase that I made which appeared on my most recent statement of XX/XX/2020, is for XXXX  XXXX XXXX XXXX on XX/XX/2020 in the amount of {$100.00}. I am not disputing any charges on my statement ; however of all the 16 charges ; only three appeared online under " Current Activities. '' Help, please. Thank you very much. 
*XXXX  XXXX XXXX , card holder.
Consumer complaint received 2020-01-18
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. (NY)

THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE
Consumer complaint received 2020-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RGS Financial, Inc. (NV)

This is the second time XXXX has sent this collection account to my credit report. It was just previously removed. This is NOT my account! I currently have XXXX! I've said this a million times now. Nothing exist proving this is my account or that I opened this account, which his why it was deleted the first time. I pay my bills, and never had a collection. Please fix this immediately or I will sue! I thought I left this nonsense in 2019.
Consumer complaint received 2020-01-18
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. (NY)

THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE
Consumer complaint received 2020-01-18
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. (GA)

During the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and to this present day ; I have submitted several dispute letters in regards to UNVERIFIABLE public records reporting on my credit report. However, three of the items listed as public records on my credit report, were previously disputed via CFPB in XXXX of XXXX. Those items were UNVERIFIABLE due to myself being a Identity Theft victim. Those items are currently reappearing on my credit is an violation of the FCRA 611 15 U.S.C. 1681 ; and can face a penalty of {$1000.00} in civil court. 

I am a victim of identity theft. The information listed on the attached Report, which appears on my credit report, is the result of identity theft. 

I have enclosed my FTC Identity Theft Report, proof of my identity and a copy of my credit report showing the fraudulent items. Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act and notify all furnishers of this information. I appreciate your prompt attention to this matter and await your reply.
Consumer complaint received 2020-02-11
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: Experian Information Solutions Inc. (CA)

The bankruptcy being reported can be removed. It has been 10 years. The bankruptcy court said it is up to the credit reporting agency to decide whether to remove it or not. As my credit over the last 10 years has been impeccable, I requested all of the agencies remove the bankruptcy. Experian refuses to remove it for no other reason than it is at their discretion. Well, this is unfair discretion! XXXX XXXX had no problem removing it! 
It should be removed due to the time its been on - 10 years! - not because of any inaccuracy. They refuse. This is unfair at best ; discriminatory at worst!
Consumer complaint received 2020-01-18
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. (CO)

My Perkins loan from XXXX University  was paid in full on XX/XX/XXXX. On XX/XX/XXXX, I received a credit monitoring alert that my Perkins loan was 30 days past due, delinquent, and being reported to a collections agency. Obviously, this made no sense, as the loan was paid in full, and I had received documentation from XXXX University, and their servicer XXXX XXXX XXXX ( XXXX ), that the loan was paid in full. I immediately contacted XXXX, and as far as they could see, everything on their end looked fine ; they told me that they had reported the loan paid in full to credit agencies in XX/XX/XXXX. An investigation on their end by an account specialist revealed the same conclusion. I contacted XXXX University 's student loan office about this, and was met with immediate hostility. I was told it would not be discussed with me over the phone, they would investigate on their own, and to send them an email with screen shots. I never heard back, and called daily to check in. Each call was again met with hostility and responses of " I don't know '' or " We have to wait for XXXX to call us back '' - there was no urgency in correcting this matter. After a week and a half I finally got a manager on the phone, who looked at my account with me and could not explain what had happened. She literally said " I can't give you a reason why this happened, because I have no idea, I've never seen anything like this before. '' She told me she'd send me a letter on XXXX University  student loan office letterhead attesting that this was an error, and would attest to this when my dispute with TransUnion reached XXXX. I had to call back several times and wait a few more days to finally receive said letter. I finally received the letter on XX/XX/XXXX. No one from XXXX University has an explanation for me about how or why this happened ; certainly no one had any urgency in helping me correct the hit to my credit report that resulted in my score going down 56 points. I have filed a dispute with TransUnion, and am now filing this, to cover all of my bases.
Consumer complaint received 2019-05-22
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. (DC)

I am writing to complain about a dispute submitted to the 3 major CRA 's on XX/XX/XXXX in regards to accounts fraudulently opened in my name. I am a victim of identity theft and did not open these accounts. I also am a victim of the XXXX XXXX XXXX 2008 data breach. State issued Drivers License were compromised and my social security was also compromised. I am not responsible for any charges made to these identified accounts or inquiries that were made by the thief, as the accounts were opened fraudulently.
Consumer complaint received 2019-04-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

I have tried to make large payments on the account beyond the payment plan. When I do, and mark it for principal only, they ignore that and apply only a portion to principal and the rest to interest. 

I called twice and each time they basically said " tough luck, '' that's how they process it. They flatly refuse to apply all extra payments to principal only. 

But the problem is, if I am making a XXXX or XXXX payment in order to pay off the loan faster, they're charging me incorrect interest - more than they are entitled to under the terms of the loan. 

They're taking out interest on a loan that will take another thirty years to pay off, instead of a loan that takes less time to pay off, because I am paying it off faster. In other words, they are collecting more interest than they should. 

They refuse to apply the additional principal-only payments to principal only. They always apply some of that payment to interest based on the loan taking another thirty years to pay off, even though if they applied my additional principal-only payments, the loan would take less than thirty years to pay off. This is the equivalent of a mortgage company refusing to apply principal-only pre-payments on a thirty year mortgage and always taking a % of those payments for interest calculated on a thirty-year loan, regardless of how fast the loan is actually paid off. 

I have been paying down the loan for twenty years already!
Consumer complaint received 2020-02-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (MI)

There was a debt that showed up on my credit report that was not mine from 2014. It was from Citibank/Best Buy. It was for {$570.00}. It was listed as a charge off. I contacted them numerous times disputing the information and providing verification of my identity. They still would not correct it. 

I am in the process of a mortgage and was advised by my loan officer to just pay the amount. I did, even though it isn't my debt or even listed in my name. Not only will they not remove the debt, but they also won't even show it as being paid. This debt was originally not a Citibank debt but was inherited when Citibank bought Best Buys credit account.
Consumer complaint received 2020-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (OH)

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I HAVE SOMES ADDRESSES ON MY CREDIT REPORT THAT ARE NOT MINE. SOMEONE WAS USING MY NAME AND INFO FOR ACCOUNT THAT DO NOT BELONG TO ME. PLEASE DELETE THE FOLLOWING ADRESSES : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX
Consumer complaint received 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I Have Freezes On My Credit Report And So Many Different types of people And Places Looking Up My Credit Reports And Every Time I Applie For Any Type Of Credit Whether It Be Credit For A Car A Credit Card A Mortgage Its Got So Bad That I Can't Even Request Some Of My Own Credit Reports And To Of My Reports Say I Don't Have A SSN And The Other One Says I'm Dead I'm And It Makes No sense Because I'm Pretty Sure My Phone Calls Are Be Redirect I Can't Be Identified And When They Do Pull Up My Reports I'm Pretty Sure I'm Be discriminated against Because It Says On One Of My Reports That I Requested A Summary Be Put Up About Me That I Have A XXXX So Now The Cards That I Did Have Got Close By Grantor I Have Been Trying To Get A Home But There Pulling My Reports And Saying It Cant Be Optain I Feel Like I Stuck In A War Zone I Can't Get A Single Soul To Help Me When I Know Its So Much I'm Entitled To But I'm Tired Of This I'm A XXXX Year Old Man Living With My Mom With No Car No money no Credit And No One 's Even Giving Me A Chance. Not Even The SSI Payments I Been Waiting A Year To Get The And The Judge That I Have A Civil Suit With Have Not One Time Set A Court Date The Case Is Just Sitting When My Human Rights Was Violated Its Got To The Point I Honestly Feel Like I Have Not A Hand To Be Giving No Matter How Many Phone Calls I Make How Much Time I Spend Trying To Do Everything the right Way This Life Thing Is Seriously Just Getting Harder And Harder With No Help Because I'm A Individual Nobody
Consumer complaint received 2019-05-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: GMFS, LLC (LA)

Since I purchased my home in 2012, I have paid PMI. The value of my home has increased significantly and I am now currently around 67 % LTV which would qualify me to have my PMI removed. I called my mortgage company to get this started and the person on the other end of the phone told me he was sending me a packet in the mail to sign and return to get the reappraisal started. After not receiving it, i called and was then told that they can not remove the PMI. After much research, I CAN remove the PMI with a reappraisal but my mortgage company will not do this.
Consumer complaint received 2020-01-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have been working with XXXX for the past two years to get a home loan with Bank of America. My closing was schedule for XX/XX/XXXX. On XX/XX/XXXX my file to updated and showed, " XXXX pending compliance and verbal verification of employment. '' Two days later, underwriting was suspended and additional conditions was placed on my file. All additional information was provided and closing was then extended to XX/XX/XXXX. My XXXX counselor and closing attorney has tried with no success since XX/XX/XXXX to contact someone in the underwriting department of BOA and no one is responding. I have already wired my closing funds to the attorney. Due to the explainable delay, I was forced to give up my apartment and place my belongings in storage.My son and I am now living in car just to achieve the American Dream. I have XXXX and my health is being seriously impacted by this as well. Moving my stuff to the storage unit cost me {$820.00}, which means I will be charged another {$820.00} to move my stuff from there. I was told by another agent that works with XXXX that she has clients that were cleared to closed since XX/XX/2019 and Bank of America still has no sent the paperwork to the closing attorney. 
I would really hope that Bank of America is not intentionally stall the XXXX loans. I just want to close on this house and get on with my life. I am afraid that the seller might terminate the contact and walk away with my earnest money. PLEASE HELP ME!!!!!
Consumer complaint received 2020-02-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

I disputed an account with XXXX and the collector on XX/XX/2019 but they keep verifying it. MIDLAND FUNDING LLC attempts to collect {$3700.00} on the account that they can not provide enough proof that they have the right to collect. I wrote them asking to validate the debt but they keep sending me a computer printout which does not make any sense. They keep trying to collect and keep reporting the account without being able to verify it. They hurt my credit and I can not qualify for any loan.