davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I have a Home Equity Line of Credit with a {$0.00} balance at Huntington Bank. On XX/XX/2020, a representative from Huntington Bank ( named XXXX ) called and stated that my account would be closed. He stated that a form would be sent to me, which would need to be completed to keep the account open. The form was emailed to me but I did not complete the form. For the next 48 hours, I received multiple calls from aggressive sales people claiming to be from Huntington. 

On XX/XX/XXXX, I called Huntington customer service directly to discuss the situation. The representative informed that someone had attempted to open a home mortgage on my account and that my existing account was not scheduled to be closed. The representative also stated that the application for a new loan would be cancelled and that their security team would get back to me to discuss the situation. Thereafter, a letter was mailed and received on XX/XX/XXXX, which showed that a credit inquiry was conducted and sent to XXXX. This was done without my authorization. No one from Huntington has contacted me since these events.
Consumer complaint received 2020-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (NJ)

i called to dispute XXXXXXXX XXXX made on XXXX with slate card my whole aprty got sick and no one has responded to us. I called chase and she starts asking me what happened how did you get food do you still have the food things i have never been asked before. i am a good customer here and just want my money back please help me no one responds from restaurant. this request has nothing to do with the fact someone used my card last weekend.
Consumer complaint received 2020-01-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IL)

XXXX XXXX under alleged Home Depot Card : XXXX XXXX XXXX XXXX, closed in XX/XX/2019 after merchandise was paid in full received today their account statement with additional fee charges. Several times I authorized my husband XXXX XXXX to represent me and spoke with Home Financial Services. There has not been any willingness to correct the error since months ago. The finances charges were disputed since day one. But greed has persisted on their part. 
Complaint Number XXXX, filed with consumer.ftc.gov is my complaint and attest all the facts that have transpired. Home Depot Credit Services and Home Depot have alleged that they do not have any connection and that the fees are automatic. So they keep harassing me with account statements after fees where disputed from the day that we received their first statement. 
Due to their attitude my husband account with Home Depot XXXX XXXX XXXX XXXX was also requested to be closed.. Home Depot now have alleged to compliant XXXX that they do not recognize me as a previous customer. Dishonesty is evident and they have tried to hide the evidence But they playing with the accounts numbers to say that they have to respect customer privacy, an spurious defense. 
In XX/XX/XXXX per XXXX request, at XXXX received an e-mail where I personally authorized my husband to represent me. 
Our mail address XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX still receiving their mails which they say that do not share with my husband. So again I am authorizing my husband XXXX XXXX ( XXXX ... XXXX ) to receive future financial information and to also indicate what they have already done and haver shared financial information with him orally and in writing. So this is another excuse. 

XXXX XXXX XXXX Signed
Consumer complaint received 2020-01-30
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. (NJ)

XX/XX/XXXX, ( XXXX  XXXX ) {$690.00} .. Submitted Identity theft dispute to credit agency XX/XX/XXXX, $ ( XXXX XXXX ) XXXX ... Submitted Identity theft dispute to credit agency XX/XX/XXXX $ ( XXXX XXXX ) XXXX Submitted Identity theft dispute to credit agency XX/XX/XXXX $ ( XXXX XXXX XXXX  ) XXXX Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX XXXX ) {$20000.00} Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX XXXX ) {$410.00} Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX ) {$970.00} Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX XXXX ) {$4000.00} Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX XXXX ) {$180.00} Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX XXXX XXXX ) {$240.00} Submitted Identity theft dispute to credit agency
Consumer complaint received 2020-01-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Linebarger Goggan Blair & Sampson LLP (NY)

Linebarger Goggan Blair & Sampson LLP, representing the XXXX Department of Revenue, sent me a letter that impersonated an official " notice of judgment '' in the title, and threatened " wage and bank account garnishment, and filing a lien against your home and other property ''. It is not in fact a judgment ordered by a judge, but in smaller print says that " they will soon be making a determination as to whether you are a candidate for further collection efforts ''. This is over a single parking ticket in XXXX from XX/XX/XXXX, originally for {$60.00} for sweet sweeping. In XXXX, the street cleaning occurs twice a month and there are temporary orange signs that are placed on the street. There was not a single sign posted on the side of the street I parked on. Further, the picture they sent in the parking ticket showed that there was no orange sign on the adjacent tree or anywhere else. I took pictures of the signs I did see, on the other side which indicated a different day, and contested the ticket. They denied it and doubled the fine. As a XXXX XXXX I had to drive back to New York for the semester and couldn't contest the ticket a third time because I could not physically go to the XXXX court house. I have paid every other XXXX parking ticket but was upset that the system is so unjust and figured I would pay it if I moved back to XXXX. The lawyers started sending me several letters in the last year that threaten wage garnishment. I called them to ask if that was possible without first going to court where I would explain my case, stating that there is no proof on the city 's end that there were temporary signs up. The operators at LGB & S didn't seem to understand what wage garnishment was. I asked if I could speak to a supervisor or actual lawyer at the firm and they told me no. This letter is incredibly misleading and very scary. What is motivating me to file this complaint is that their client is the city of XXXX, which continues to harass and bully people ( especially people with less money, in which a single ticket like this is a great burden ) after their administrative hearings which themselves are incredibly unjust.
Consumer complaint received 2020-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

XXXX XXXX # XXXX and XXXX XXXX # XXXX are double reporting on my credit report. These accounts are not only in violation but are also settled in full and have been paid off already. There is no reason for these to still be on my credit and they need to be removed off of my file immediately.
Consumer complaint received 2020-01-30
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)

EXPERIAN, XXXX AND XXXX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS/INQUIRIES ON MY CREDIT FILE. BELOW ARE THE LISTED FRAUDULENT ACCOUNTS OPENED AND LISTED IN MY CREDIT PROFILE : XXXX XXXX XXXX XXXX : Account Number -- XXXX -- -- Date Opened -- -- XX/XX/XXXX XXXX XXXX XXXX XXXX : Account Number -- XXXX -- -- Date Opened -- -- XX/XX/XXXX XXXX XXXX XXXX : Account Number -- XXXX -- -Date Opened -- -- XX/XX/XXXX XXXX XXXX XXXX XXXX : Account Number -- XXXX -- -- -Date Opened -- -XX/XX/XXXX
Consumer complaint received 2020-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX # XXXX and XXXX XXXX # XXXX are double reporting on my credit report. These accounts are not only in violation but are also settled in full and have been paid off already. There is no reason for these to still be on my credit and they need to be removed off of my file immediately.
Consumer complaint received 2020-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Knight Adjustment Bureau (UT)

XXXX XXXX # XXXX and Knight Adjustment #  XXXX are double reporting on my credit report. These accounts are not only in violation but are also settled in full and have been paid off already. There is no reason for these to still be on my credit and they need to be removed off of my file immediately.
Consumer complaint received 2020-01-30
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. (NJ)

XXXX XXXX XXXX Response to complaint XXXX XXXX XXXX XXXX has decided to close and delete an account in response to a complaint that was filed. However, they have erroneously stated that it takes 60 days minimum for the credit bureaus to update their records and have this reflected on my credit report. I would like this account removed immediately from my credit report.
Consumer complaint received 2020-06-29
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: EQUIFAX, INC. (TX)

XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX BANKDispute DEPT OF XXXX XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXX filed ftc violations on all above
Consumer complaint received 2020-01-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (VA)

Credit Control Corp is trying to collect on debt that does not belong to me. 

XXXX XXXX is trying to collect on debt that does not belong to me. 

XXXX, XXXX is trying to collect on debt that does not belong to me.
Consumer complaint received 2020-01-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: D2 Management LLC (PA)

I receive 4 phone calls on XX/XX/XXXX from Phone number XXXX stating that I have debt of XXXX on 3 accounts ( 2 accounts are from XXXX ) as I stated was discharged in bankruptcy in XXXX and then they stated I had a debt from XXXX and used email address XXXX ( and refernce XXXX XXXX ) at a XXXX XXXX ( XXXX ) in ohio. I asked for written notification and offered my address but they wouldn't take it.
Consumer complaint received 2020-01-30
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. (GA)

XXXX, XXXX AND EQUIFAX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS/INQUIRIES ON MY CREDIT FILE. BELOW ARE THE LISTED FRAUDULENT ACCOUNTS OPENED AND LISTED IN MY CREDIT PROFILE : XXXX XXXX XXXX XXXX  : Account Number -- XXXX -- -- Date Opened -- -- XX/XX/XXXX XXXX XXXX XXXX XXXX : Account Number -- XXXX -- -- Date Opened -- -- XX/XX/XXXX XXXX XXXX XXXX : Account Number -- XXXX -- -Date Opened -- -- XX/XX/XXXX XXXX XXXX XXXX XXXX  : Account Number -- XXXX -- -- -Date Opened -- -XX/XX/XXXX
Consumer complaint received 2020-01-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BARCLAYS BANK DELAWARE (MA)

I keep getting phone call from this company called XXXX XXXX XXXX. They call incessantly and leave treating messages such as : We will be contacting your employer to garnishing your wages ; we are in the process of garnishing your tax refund, we are going to take possession of your vehicle and such. 
I called them back asking them not to call me anymore and every communication should be done via official mail. They keep calling me using different phone numbers and threatening me. They are trying to collect an old debt which is past the statue of limitations.
Consumer complaint received 2020-06-29
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rent Recovery Solutions (TN)

We moved out of XXXX  XXXX  XXXX XXXX in XX/XX/2020 - shortly thereafter, my husband started receiving phone calls from Rent Recovery Solutions stating that they were attempting to collect a debt on behalf of XXXX. However, I have spoken to the property manager several times and she repeatedly tells me that we have a zero balance and owe them nothing. We were mailed a final letter also stating that we owe them XXXX dollars and a refund check was included from the deposit we initially made. Why would we have gotten a refund if we still owed them money? That doesn't make any sense at all. The property manager has told me that she would take care of the issue of Rent Recovery Solutions contacting us, but unfortunately that has not been resolved.
Consumer complaint received 2020-01-30
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. (TX)

I contacted all three bureaus Experian, XXXX, and XXXX  about XXXX XXXX still reporting on Charge off account that they have sold to XXXX XXXX XXXX, but each month they are reporting I'm late.
Consumer complaint received 2020-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

Loancare services the mortgage on my investment property. Last year I was {$1000.00} short on my escrow. I want to plan and budget in the event there is a major shortage this year so that my mortgage payments are not jeapordized. I have never been late nor have I ever missed a payment. My plans are to continue being a responsible homeowner. 

On XX/XX/2020, at XXXX XXXX Central time, I called Loancare ( XXXX ) in an attempt to get an approximate amount of my escrow balance. XXXX answered the phone. I stated my request. He said that my escow hadn't been reviewed so he had no way of calculating what it might be. I know this isn't true because moments before I talked to representatives from XXXX XXXX and XXXX. Both banks gave me the information despite that fact that my annual review hadn't been done. I shared this information with XXXX. He insisted that he could not provide a figure. I asked to speak to a supervisor. He placed me on hold. After about an hour on hold, I hung up and called back. XXXX answered the phone. I posed the same question about my escrow balance. I told her of the issue I had with XXXX. I told her that once she addressed my issue I wanted to speak to a supervisor. All of a sudden, she said she could not hear me. The line went silent. She never addressed my issue nor was my call forwarded to a supervisor. 

I simply want professional, non-vindictive, courteous customer service. It's all about meeting my financial obligations to my loan in a manner that ensures the loan is kept current.
Consumer complaint received 2020-06-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (WV)

On XX/XX/XXXX I received an IBR approval letter from Navient for my two FFELP loans taking my payment to {$0.00}. The letter illustrates the plan start date as XX/XX/XXXX and the end date as XX/XX/XXXX. 
All of a sudden, when logging into Navient a few weeks ago, it showed now my payment went from XXXX to {$310.00}, with no notification at all from Navient - I just happened to accidentally stumble across it. 
I have called Navient three times and have spoken to three different Customer Service reps, each giving me a different answer. 
I've been told to do nothing - that it was pushed thru again and that it would clear off in 24-48 hours to  one telling me that they weren't going to honor the contract and that I'd have to re-apply. It took me weeks to apply last time so they are just trying to make it impossible for me, knowing the process would exceed the now new due date that they slid in. I am not going to re-apply as I'm already approved and have it in writing. 
I will attach the letter I kept illustrating this approval on their end.
Consumer complaint received 2020-06-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (MI)

The company includes XXXX  and CREDIT MANAGEMENT, I was living in XXXX XXXX XXXX mi with XXXX  services. I called many times to complain about internet not working on area after a few months I canceled my internet due to lack of connectivity the XXXX  representative wouldnt even work with me but was extremely rude and she said theres nothing that I can do its just going to go to collections I said why would I pay for service that I can not use? she said that is not my problem. I mailed back XXXX  and didnt get any notice after that of me owing. Until it was in my credit report. Also if you look at the months from the time I started service and the first collections date is inaccurate how would I go into collections the month after I had service turned on? As for credit management the amount of phone calls and the way they speak to people is wrong you can not shame me into paying for something I do not owe
Consumer complaint received 2020-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (NJ)

An original letter dated XX/XX/2019 requesting the inaccurate entry being reported under, I have recently been informed that there is negative information reported by XXXX XXXX - XXXX Court New Jersey Docket # XXXX in the file you maintain under my social Security number. Upon reviewing a copy of my credit report, I see an entry : Barclays Bank Delaware. # XXXX {$500.00} XXXX XXXX XXXX # XXXX. {$380.00} XXXX XXXX  XXXX credit # XXXX {$1200.00} XXXX # XXXX Please feel free if you should need any additional information. I can be reach via e-mail : XXXX or mail XXXX XXXX XXXX XXXX, NJ. XXXX. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-01-30
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 have been a victim of identity theft. I've been receiving bills in the mail for a couple of years now and just never payed much attention to them. My credit report recently got pulled and I wish I would of found out sooner of the outrageous amount of accounts that have been open under my social security number. Please remove all these accounts from my report. 

XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX {$420.00} XXXX   XXXX XXXX {$420.00}
Consumer complaint received 2020-01-30
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. (NC)

Experian and XXXX are reporting a charge-off balance amount of {$3300.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The balance reporting is incorrect. This account balance needs to report {$0.00}. This inaccurate reporting is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to update and/or remove this however, I have not been successful.
Consumer complaint received 2020-01-30
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)

I have been a victim of identity theft. I've been receiving bills in the mail for a couple of years now and just never payed much attention to them. My credit report recently got pulled and I wish I would of found out sooner of the outrageous amount of accounts that have been open under my social security number. Please remove all these accounts from my report. 

XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX {$420.00} XXXX  XXXX XXXX {$420.00}
Consumer complaint received 2020-01-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I was in the Wells Fargo Home Mortgage forebearance plan since losing employment in early 2019. 

Starting in XX/XX/2019, I have been in contact with Wells Fargo Home Mortgage once I found new employment. 

I submitted all documents to Wells Fargo Home Mortgage that were needed for the modification of my mortgage to avoid foreclosure and to pay the late balance. 

I provided WFHM with 1 ) pay stubs, 2 ) WFHM Modification Application, 3 ) Bank Statements showing direct deposit, 4 ) Notarized Signed Affidavits of Employment, 5 ) Employment Verification.

I submitted the required documents several times to WFHM via ; Fax and Upload on the WFHM - HomeTrack website.

After my last document upload, WFHM now is requesting additional verification. I believe I am being targeted and discriminated against by WFHM, because they are continuing to ask for additional information.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company (DE)

I always make my payments on time. It shows that I am 30 days late in XX/XX/year>. I am under an automatic draft and not certain as to how this occurred and is an error on my part. However, I understand according to federal law 15 U.S. code 1681a ( 2 ) ( Ai ), does not include transactions or experiences between the consumer and the company. 15 U.S. code 1666b ( a ) credit may not report late. I'm asking that this late payment be removed from any credit report as a gesture of goodwill. Thank you!