davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CRESCO CAPITAL INC. (CA)

XXXX XXXX is placed in my credit report and within there data base for the trucking industry there's been a report filed as an incident/accident however neither took place. Incident nor accident and if need be I might get a lawyer to pull the phone call from the day of that " incident ''. Another thing my credit hasn't been reported correctly paid off some things and was informed if I do so my scope would go up 23-25 pts for each however it went up by 5-6 points. I placed a freeze on all information and I would like to proceed with investigation of fraud.
Consumer complaint received 2020-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC (CA)

XXXX XXXX XXXX reports incorrect derogatory information on my credit reports with payment status as collection/chargeoff. This account was settled by BMW which is the primary creditor. Therefore XXXX XXXX XXXX has no legal standing in this matter. The offices of XXXX XXXX XXXX along with a court appointed mediator settled this case. The final resolution CASE DISMISSED!
Consumer complaint received 2022-12-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (NJ)

XX/XX/2022 : A payment of {$300.00} was made. 
XX/XX/2022 : A payment of {$290.00} was made XX/XX/2022 : A payment of XXXX was made XX/XX/2022 : A payment of {$280.00} was made XX/XX/2022 : A payment of {$280.00} was made XX/XX/2022 : No payment was made ( Paid previous month ) XX/XX/2022 : A payment of {$530.00} was made Above are the payments made to the private loan service : Sallie Mae My problem is that my loan keeps going up each month and there has been NO LETTERS, NO EMAILS, NO PHONE CALLS About this change, I've called the company multiple times ; Begging them to work with me and enroll me in reduced payments. 
There answer was simple : I have " exhausted '' all of my options and the only option I have now is to pay everything in full. 
This is absolutely killing me financially, mentally and emotionally. 
This loan has caused so many set backs and issues that it has started to effect my life in the worst way possible. 
PLEASE HELP ME
Consumer complaint received 2020-08-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I visited the Florida Hospital on XX/XX/XXXX. After my visit, the hospital sent me an invoice statement showing that I owed a {$0.00} balance. 

Weeks following, a company called HRRG started calling and harassing me nearly every day. I told them that I do not know what debt they speak of that they claim I owed. The hospital says I do not owe them anything. 

They have continued to call me for the past two years, harassing my life every single day, although I have told them to stop calling me. They even made up an account number, making it seem like I have a legitimate debt when I do not. They created this account number out of thin air. 

I researched their company and found out they call and scam people. They are not a legitimate business. They steal people 's medical information. This claim has been made by countless people who have left reviews about their company, the same way I have been treated by them. They call people and claim that these people owe them money when they do not, and try to scare people into paying them money that does not belong to them. 

They changed their name from HRRG XXXX Healthcare XXXX Recovery Group XXXX to XXXX XXXX Account XXXX XXXX XXXX around XXXX. They are still continuing to call and harass me every single day. 

A woman who called from their company even told me she's not going to stop calling me although I told her to stop calling and that I do not owe them money. 

This is taking a toll on my life, as they are calling my phone every single day from different phone numbers, sometimes even multiple times a day. 

Please look into this company. They are a fraud. They are not legitimate and they are going to continue to call and keep on scamming people if something is not done to stop them. They have already been able to change their name and identity as a business. Something needs to be done to stop these thieves from illegally calling and stealing people 's money! Someone needs to be held accountable.
Consumer complaint received 2020-08-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (VA)

On XXXX I received a debit card from SunTrust. I have never been to a SunTrust or opened an account online. However, I do bank with BB & T, who was bought out by SunTrust so I assumed that as why I got the card. I went to the website listed on the card to activate the card. I was asked for and provided the card information and my SSN. When I wasn't given an option to set a pin number I called the number on the card and was told that it was fraudulent and I needed to submit a claim.
Consumer complaint received 2020-08-29
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (KY)

I filed a dispute for Unauthorized Transactions # XXXX I had card # XXXX however that card was stolen. The reason I had to file the dispute in the amount of {$730.00}. I have another card ending in # XXXX. 

My provisional credit was granted on XX/XX/2020 per letter from Direct Express in the amount of {$730.00}. 

AS of today XX/XX/2020 : The provisional credit has NOT yet posted to my card ending in # XXXX. I have tried to contact Direct Express to NO AVAIL. I'm currently on hold going on 50 mins NO ONE is answering to assist me. Per the letter from Direct Express dated on XX/XX/2020 : I suppose to have FULL ACCESS TO THE FUNDS! FULL ACCESS TO THE PROVISIONAL CREDIT OF {$730.00}. 

However, the Provisional Credit has NOT yet posted to my card ending in # XXXX. I DO NOT HAVE card ending in # XXXX anymore. # XXXX was stolen from me this is why I had to file the dispute. 

REMEDY : I WOULD LIKE MY provisional credit posted to my card account ending in # XXXX. Per the Direct Express letter dated XX/XX/2020 I suppose to have access to the Provisional Credit in the amount of {$730.00}
Consumer complaint received 2020-08-29
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$39000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- PERSONAL ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$39000.00} -This is not my account.
Consumer complaint received 2020-06-04
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. (IL)

I informed the company that this account was not opened by me and that it was a result of identity theft. I was told that if this was a result of identity theft to file a police report. so I did so I have a complete identity theft package. to clear this matter from my credit report. I would like the credit reporting agency block all information associated this act of thief. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Account open by Identity theft Account : XXXX XXXX XXXX  Credit card, date open XXXX, credit limit XXXX  Inquiries made by unknown Identity theft Company-XXXX  date XXXX Company- XXXX  XXXX XXXX XXXX Company XXXX XXXX XXXX  XXXX Company-XXXX XXXX XXXX date XXXX Company- XXXX XXXX XXXX Date- XXXX Company-XXXX Financial Date- XXXX Company- XXXX XXXX Date- XXXX Company- XXXX XXXX Date XXXX & XXXX ( 2 Inquiries ) Company- XXXX XXXX Date- XXXX Company-XXXX XXXX Date- XXXX Company- XXXX XXXX XXXX Date- XXXX
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (AZ)

Account legally paid in full for less than the full balance and is still be reported as a recent Charge off ( CO ) in error. Charge offs are being reported in XXXX, last activity goes back to XXXX, 5+ years old. This account is hurting my ability to purchase a house.
Consumer complaint received 2020-08-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CMG MORTGAGE, INC (MO)

I have taken on serious financial hardship since the start of the corona virus that has permanently shifted my options for work. In order to avoid foreclosure on my home I have started renting my space on XXXX XXXX  full time in order to avoid defaulting on my mortgage. When my financial straights first began occurring an individual from CMG Mortgage told me about the option of doing a permanent loan modification which had the ability to radically reduce my monthly payments and make my living circumstances more manageable. I submitted all my documentation to begin this process in the month of XX/XX/2020. During this process CMG has lost my paperwork on two separate occasions. They never reported to me an update that the paperwork was lost or incomplete. I had to call to check in and found out on my own. My calls were dropped by work at home employees on over two dozen occasions after 1+ hour wait times on the phone. I have been put into forbearance without my approval on 3 separate occasions now since this process has started without any request on my end. I didn't even realize I was on forbearance until I have called in to check on my loan modification. The last submission I did for my loan modification was two week ago. This was made because underwriting at CMG decided my circumstances didn't seem permanent enough to approve me for a LM. I adjusted my hardship letters to better reflect my circumstances and finally was approved for the loan modification today. The kicker is that I was only approved for a now temporary modification of 30 days. Given the nightmare costumer service I was receiving I began recording phone conversations with the representatives I was speaking with in the loss mitigation department. I have recording of multiple employees telling me that this modification would be a permanent adjustment to my loan 's interest rate reflected on the current principal balance on my loan. This company has put such dramatic strains on my well being that I almost see no other option but to file a lawsuit in some capacity if something is not done. I was told a supervisor would be contacting me within 24-48 hour but I have been told on multiple occasions that this would occur and it never has. I am at my wits end and am not sure what action I can take in order to protect myself at this point. This mortgage company should be ashamed of themselves.
Consumer complaint received 2020-08-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Mortgage Lender : Wells Fargo Mortgage Issue : Incorrect loan payoff amount upon paying off mortgage loan on XX/XX/2020. 

History : I prepaid my XX/XX/XXXX mortgage payment of {$2700.00} ( {$1500.00} in interest ) on XX/XX/2020. 
In an effort to reduce my mortgage principal and therefore save money on interest, I also paid on the principal amount of the loan ( {$140000.00} on XX/XX/2020 and {$6000.00} and on XX/XX/2020 ). 
The lender ( Wells Fargo ) failed to consider in their payoff computations this reduction in principal for the month of XXXX when determining the amount of payoff for XX/XX/2020. 
Because I prepaid my XX/XX/XXXX mortgage payment on XX/XX/2020, I am warranted an interest credit for the month of XXXX of more than {$350.00} since there was a reduction in principal during the month of XXXX. 

No Resolution : From XX/XX/2020 to date the lender ( Wells Fargo ) has not provided a resolution to this matter after speaking with at least 10 mortgage representatives and visiting a Wells Fargo Branch. Bank mortgage representatives have little knowledge in determining a loan payoff and only offer as evidence computer generated programs to support their case. Unfortunately, this issue can not be merely resolved by this process.
Consumer complaint received 2020-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (NY)

I obtained a loan for a new car in XX/XX/XXXX. I strongly believe this was a predatory/subprime loan. I defaulted in XX/XX/XXXX. During a collection call in or around XXXX XXXX I explained that I was awarded a settlement and was awaiting a check at which time I would pay all back balances. I also explained that things were backed up due to Covid and judicial and insurance offices being closed. 
I received my bill that month and my account status states it is past due as expected, it now reflects current. It has never reflected written off. On XX/XX/XXXX I went online to make a payment and the system would not permit me to. I called Santander Consumer USA to troubleshoot the issue. Only at the time was I informed that my account had been written off. I was told my account had been written off on XX/XX/XXXX and the only options I had were to keep the written off car and continue paying or do a voluntary surrender of the vehicle. My car has never been repossesed. I am and have always been in possesion of the vehicle. 
On or about XX/XX/XXXX I called Santander Consumer USA 's collection department and was told there was no record of my account being in collections. In following days through back and forth with customer service I learned that my payment was accepted on XX/XX/XXXX but they also reported me to the credit bureaus on that very same day. 
I have been trying to seek remedy with Santander Consumer USA and have this write off removed from my credit as a write off is done implying that the lender does not not ever expect to recover funds from borrower. They have collected all funds and again the only reason the 180 day rule for the write off was able to expire was due to COVID situations that were completely out of my control. 
I spoke to XXXX employee number XXXX on XX/XX/XXXX and he stated Santander Consumer USA is absolutely not going to remove the write off from my credit report.
Consumer complaint received 2022-07-18
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-11-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (GA)

This debt has passed the statute of limitations and is not on my report, but this company has contacted me via email and threatened to sue me for a debt that I believe is no longer valid. I live in California and I believe this debt no longer applies. But this company emailed me and threatened to sue me.
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AZ)

The account shows the payments were late. The payments were never late. They also failed to verify the investigation within the 30 days. They did not provide me with any proof of their process.
Consumer complaint received 2021-09-17
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. (TX)

i need your help in a serious matter involving my credit report. After reviewing my credit, I have realized that you are reporting damaging information to my name. 
Please review the following Account XXXX : XXXX XXXX Account # : XXXX You are reporting this account as late, delete for inaccurate reporting attached is a letter from XXXX XXXX proving the late payment is inaccurate
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies on my credit report section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. I have some unauthorized inquiries and some addresses on my credit report I would like removed. Inquiries : ( XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX ) Addresses : ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.