davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-23
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. (NC)

XX/XX/XXXX US DEPT OF EDUCATION states I owe XXXX, XXXX. Thus amount is what I owe for attending UNIVERSITY OF XXXX start year XX/XX/XXXX. 

Please know that I XXXX XXXX was in the XXXX grade attending XXXX XXXX at XXXX XXXX XXXX XXXX Located in XXXX NC XXXX they contact info is ( XXXX ) XXXX. I have been trying to speak with this company numerous of times. They can not provide documentation to identify me. Section 611 ( c ) 15 U.S. Code 1681i University XXXX XXXX XXXX : Deceptive Advertising for Graduate Employment. In late XXXX, the University of XXXX was hit with a record-breaking {$190.00} XXXX lawsuit settlement by the U.S. Federal Trade Commission XXXX This is public records. I never attended that school. I was in the tenth grade at XXXX XXXX XXXX XXXX XXXX That year I was suppose to be going to this university. I never lived at the resident that was associated with the school documentation. I have been calling the school trying to get all documentation. They stated I couldn't due to the fact I couldn't pass the test questions. I am asking for a removal off my credit. Due to the inaccurate information that was used with this school.
Consumer complaint received 2022-01-07
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. (FL)

I have had negative items on my report for months now and for some reason they have not been validated and they have not been updated on my report they have no been verified with supporting documents and I have not been notified please delete these items they are truly affecting my credit score and my chances of doing things that are needed
Consumer complaint received 2022-01-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I HAVE BEEN A VICTIM OF IDENTITY THEFT. A BANK OF AMERICA CARD WAS OPENED UNDER MY NAME BUT IT DOES NOT BELONG TO ME. I HAVE DISPUTED THIS ACCOUNT SEVERAL TIMES AND UNFORTUNATELY NOTHING IS BEING DONE. WHEN I CALL CUSTOMER SERVICE AN ACCOUNT UNDER MY NAME IS NOT EVEN LOCATED I AM TOLD ITS AN AUTHORIZED ACCOUNT. THIS ACCOUNT IS NOT MINE AND I HAVE SENT ALL DOCUMENTS NEEDED TO PROVE THIS DOES NOT BELONG TO ME.
Consumer complaint received 2020-08-28
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. (AR)

In XX/XX/XXXX I decided to buy a home. I went to a place called affordable housing. In affordable housing they started off by asking what my credit score was and I had no idea at the time. They recommend I got my credit report pulled and we go from there. As we reviewed my report I notice a numerous of things that were not mine. Can you please remove these items from my report. XX/XX/XXXX/XX/XX/XXXX XXXX {$2500.00} XXXX XXXX {$2200.00} XXXX XXXX {$2000.00} XXXX XXXX {$5500.00} XX/XX/XXXX/XX/XX/XXXX XXXX {$3500.00} XXXX XXXX XXXX {$80.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$77.00} XX/XX/XXXX/XX/XX/XXXX XXXX {$900.00}
Consumer complaint received 2020-08-28
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. (AR)

In XX/XX/2019 I decided to buy a home. I went to a place called affordable housing. In affordable housing they started off by asking what my credit score was and I had no idea at the time. They recommend I got my credit report pulled and we go from there. As we reviewed my report I notice a numerous of things that were not mine. Can you please remove these items from my report. XX/XX/XXXX/XX/XX/XXXX XXXX {$2500.00} XXXX XXXX {$2200.00} XXXX XXXX {$2000.00} XXXX XXXX {$5500.00} XX/XX/XXXX/XX/XX/XXXX XXXX {$3500.00} XXXX XXXX XXXX {$80.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$77.00} XX/XX/XXXX/XX/XX/XXXX XXXX {$900.00}
Consumer complaint received 2023-06-24
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. (LA)

See Attached Dispute Docs detailing blatant consumer rights violations, The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law. I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. Ive studied constitutional consumer protection laws extensively along with cIvil/federal court procedures such that of Dixon-Rollins v. Experian Information Solutions
Consumer complaint received 2022-01-14
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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

On XX/XX/2022 I applied for an mortgage loan with a major bank. I authorized to pulled my credit reports. The bank told me that my mortgages aren't on my credit reports. I have my current credit reports. I explained I had these mortgages for years. On XX/XX/2022 I contacted my two mortgage companies by fax : 1.Community Loans Servicing, LLC advising monthly amounts {$1700.00} not being reported and 2.XXXX XXXX  amounts {$1500.00} not being reported. I have the letters that was faxed.
Consumer complaint received 2020-08-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (CA)

On XX/XX/2020 I applied for a loan modification as the payments have become onerous for my wife and I. Today ( XX/XX/2020 ) I was offered a modification. However the trial payment plan that was offered actually had my monthly payments increase significantly to roughly 50 % of my monthly income. My monthly payments were {$5700.00} ( PITI ). They are now saying I should pay an additional {$3100.00} bringing my payments to over {$8800.00}. 

Additionally the current interest rate is very high compared to the rates being offered now. My interest rate is 6.375 %
Consumer complaint received 2022-01-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc. (GA)

I have been receiving threatening calls about a debt I have no knowledge of. Repeatedly they have called me and when I ask who they are they refuse to tell me and are very rude, most times they hang up. I eventually managed to speak with someone told them to mail me the information as I did not feel comfortable giving out my personal information over the phone blocked the number and later received a knock on my door from my local sheriff 's dept with a court order suing me for the debt from said collector XXXX XXXX. I am away on business and receive a phone call from my sick mother stating they have called her and threatened her as well. They then proceeded to tell her all my personal business without my consent or knowledge. I called once again and reminded them at this point I'm in litigation with them and there was no reason for them to continue to harass me or any of my family about a debt they can not even provide a statement of. Apparently this debt is over 5 years old and was bought by another debt collector from a business that is closed down. I offered on a few attempts to try and make arrangements to pay whatever I owed as long as I was mailed a statement or itemized bill. I've never received anything and even made arrangements to try to take care of this matter. They are bullying and non compliant about negotiating with me. I am in the process of being taken to court by these people due to their lack of communication and providing necessary information. I want to countersue them for harassment due to my mother 's health declining since their repeated calls which I have documented. Please let me know what I can do as this is not ethical or right for them to do this to people.
Consumer complaint received 2022-10-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (NV)

To whom it may concern, I have sent XXXX XXXX XXXX by certified XXXX on XX/XX/2022 requesting validation of account by law proof of said account that I owe XXXX or had any legal obligation to pay them. 

It's now been over 30 days the required time limits for this account and I have not been provided with any proof by this company on paper bearing my signature that I legally owe them.
Consumer complaint received 2021-08-28
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)

To whom it may concern, I was looking at my credit report on XX/XX/2021 and noticed there was some inquiries i have never authorized which if fraud and I have no knowledge of and never signed anything for any of the following. The ones in question are XXXX/XXXX  Inquiry from XX/XX/2021, XXXX/XXXXInquiry from XX/XX/2021, XXXX XXXX, XXXX  XXXXInquiry from XX/XX/2021 & XXXX , XXXX/XXXXInquiry from XX/XX/2021. I would like these all removed from all credit reports as this was not authorized by me and to my understanding of the fair credit reporting act I have the right to make my credit accurate thank you for your help.
Consumer complaint received 2024-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (NC)

A debt collector company by the name of online information services saying that I owed them {$800.00} something XXXX  I do not know who they are I do not owe them any money can you please remove it off of my account.
Consumer complaint received 2022-09-24
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NJ)

I tried to open up a savings account at Chase Bank in XXXX, NJ on XX/XX/2022 with a personal check from XXXX XXXX  in the amount of {$1000.00} of which their personal banker agreed to accept and place into a savings account at Chase Bank. He told me that the bank would need to accept my application for the savings account but he didn't know when that would occur, but that I could view my account over the internet, and he did say that the personal check would take a few days to clear. I then filled out the necessary paperwork and provided him my driver 's license and social security number. A few days later I checked on my Chase App on my phone and the funds were in my account then I proceeded to close another account with XXXX XXXXXXXX XXXX and I received a XXXX XXXX for {$4500.00} instead of a Bank Check and on XX/XX/2022 which I also deposited into the same savings account at Chase Bank. This time I was told that due to reasons unknown to me or to the teller at Chase bank that the bank needed to hold the check until XX/XX/2022? So I agreed to wait, I then tried to access my savings account on the internet to see if this check was deposited on XX/XX/2022 and XX/XX/2022, but I couldn't find the deposit. So I reached back out to the bank and left my information to call me back about the disposition of my account. I was then contacted on XX/XX/2022 by the same personal banker who stated that my account was closed by the bank. I was told that information provided showed " suspicious behavior '' with my social security number and so the bank closed the account. I asked what they meant by " suspicious behavior '' and I was told that someone else 's name was on my social security number, but that they wouldn't disclose who this person had been or what was the issue. So they closed my account. I asked when am I going to receive my {$5500.00} dollars that was deposited into their bank? I was told that at some point the bank would mail me a check for the amount, but that I was told that I can't visit the bank to retrieve these funds owed personally. I'm concerned that both checks should have cleared by now and they should allow me to get my funding back and let me know who or what was the reason for closing my account. It just seems very suspicious behavior. I came to Chase Bank in good faith and I feel that the bank is not being transparent or giving me back my funds that they are holding XXXX? If there is fraudulent concern I would hope that they would contact the authorities instead of sweeping things under the rug, so I can go to another bank or back to my previous bank. I just feel like they are stalling for some reason? I'm worried that other consumers who maybe like me are dealing with similar concerns.
Consumer complaint received 2020-08-27
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. (AR)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX  XXXX {$6800.00} XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX {$150.00} XXXX XXXX XXXX XXXXXXXX {$700.00} XXXX XXXX {$4200.00} XXXX XXXX XXXX  XXXX {$320.00} XXXX  XXXX XXXX {$3800.00} XXXX  XXXX {$920.00} XXXX XXXXXXXX {$1200.00} XXXX   XXXX {$610.00} XXXX XXXX {$460.00} XXXX XXXX XXXX {$1000.00} CHAPTER XXXX BANKRUPTCY FILED XXXX {$0.00} CHAPTER XXXX BANKRUTCY DISCHARGED XXXX {$0.00} XXXX XXXX {$2900.00} XXXX XXXX {$610.00} XXXX  XXXX {$34000.00} XXXX   XXXX {$28000.00} XXXX XXXX XXXX {$27000.00} XXXX  XXXX {$0.00} XXXX   XXXX {$610.00} XXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00}
Consumer complaint received 2022-05-23
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)

FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} Status Collection account. {$1400.00} past due as of XXXX XXXX. 
XXXX, XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4800.00} Status Collection account. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$360.00} Status Account charged off. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Apartment complex XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Apartment complex XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Resident type XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Resident type Single family XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations : not my names XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

I have already sent multiple requests this XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX  XXXX Date Opened : XX/XX/2018 XXXX XXXX : {$9500.00}
Consumer complaint received 2022-04-21
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (TX)

XX/XX/2022 I noticed that my credit score that I had been working diligently to get back into a great shape, took a hit when Navient reported my federal student loan as 90-days delinquent. This dropped my score close to XXXX points. 

( Financial literacy isn't taught in schools, and coming from a first generation family raised by my widowed mother this is something I am having to learn for myself. I understand that ignorance is no excuse, but I hope that you can take that information and help in any way possible. ) I called Navient that same day and was told they were not aware of any presidential pause extension. I was told to write a letter requesting it be removed. I wrote a letter right away explained that student loans were under a President Biden 's federal student loan pause. 
( As of right now the extension is until XX/XX/2022 ) I wrote the letter, explained that I thought that along with all the other student loans it was paused. Per the Navient rep FFELP loans don't qualify which wasn't something I was aware of and as soon as she explained this particular loan was excluded. 
I also made the payment showing outstanding, and set this up on automatic deducting payments going forward. 

I would appreciate any any all help to remove this derogatory remark from my credit report. 

Thank you Kindly, XXXX XXXX
Consumer complaint received 2024-10-08
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rosebud Economic Development Corporation (OH)

Tis debt is from 3rd party. Have paid {$400.00} to one party and then I get call from cross recovery that they are going to serve me to sue me. Also not getting any paperwork at all for this debt, when I asked for sale purchase that it was mine just ignored me. I asked to have the {$400.00} from other debt collector XXXX XXXX XXXX they would not accept, but payments were going to same collection place XXXX XXXX XXXX i feel i have not been fully or correctly served
Consumer complaint received 2020-05-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (CA)

My mother was an American Express card member and she passed away the end of XXXX. My husband called American Express the first week of XXXX to inform them of her death and offered a death certificate but they declined. The very next day, we were bombarded with phone calls from American Express wanting to know her estate details. Soon after that we were bombarded with calls from their debt collector XXXX XXXX XXXX trying to collect on behalf of her estate. Every day we have had someone calling and each time we have explained that she was in a XXXX home and there is no estate and no lawyer handling her estate. We did not even have a funeral, no time to grieve and American Express along with XXXX are calling every day and went as far as to send mail to my husbands distant family regarding the matter when they didnt even know my mother! Just because we share the same last name you do not know the actual relationship. So Pursuant to my rights and my familys rights under the Fair Debt Collection Practices Right, I want American Express to send actual documentation that shows that I or any of my family members owe my mothers credit card debt. Provide in writing the date that we incurred the debt and our signatures and anything else that shows we are obligated to pay this debt. One of the last calls I received on Thursday XX/XX/XXXX at XXXX from an American Express Employee calling from phone number area code XXXX XXXX XXXX XXXX XXXX, she was so ridiculous in her attempts to collect information about myself while she shared my mothers debt information to me including how much she owed, etc. No consideration whatsoever & completely insensitive! Here we are in the middle of a pandemic and every single day of it we have had debt collector calls about my mothers American Express debt. Where is it legal to harass family members of deceased persons for their debt and to randomly send correspondences to people they have not confirmed are actual family members of the deceased? It has been 2 months of nonstop calls and now letters from Amex/XXXX XXXX XXXX are being sent to distant relatives homes. This has to stop. No one should have to deal with this. There is no estate, no executor, no lawyer! I am also filing a complaint with the Federal Trade Commission for the unfair business practices and stressful tactics used because I want all communication to my cell phone, my husbands cell phone and written correspondences to unknown family to cease.