davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-26
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: ALLY FINANCIAL INC. (GA)

I have noticed several inquires being processed by the name of XXXX XXXX XXXX in which is affecting my credit. I feel as if i am a victim of identity theft but i am still getting letters back stating that the inquiries are factual in which they are not. The inquiries are Ally Financial XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX of XXXX XXXX XXXX GA XXXX/XXXX/XXXX, XXXX XXXX submitted a inquiry on XXXX/XXXX/XXXX and i never authorized this they sent me an application with my information and my ssn did not match and they told me that it was me in which it was not. I am highly upset because credit is very important to me and with all of these security breeches how can i confirm anything when my identity has been stolen.
Consumer complaint received 2017-10-26
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: Credit Plus Inc (GA)

I have noticed several inquires being processed by the name of XXXX XXXX XXXX in which is affecting my credit. I feel as if i am a victim of identity theft but i am still getting letters back stating that the inquiries are factual in which they are not. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX of XXXX XXXX XXXX GA XXXX/XXXX/XXXX, XXXX XXXX submitted a inquiry on XXXX/XXXX/XXXX and i never authorized this they sent me an application with my information and my ssn did not match and they told me that it was me in which it was not. I am highly upset because credit is very important to me and with all of these security breeches how can i confirm anything when my identity has been stolen.
Consumer complaint received 2017-10-26
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (TN)

I had gotten XXXX XXXX satellite services on XXXX XXXX, XXXX, after being installed I had lots of problems receiving signal ; I called them to cancel my services on XXXX XXXX, XXXX. I cancelled because within a 3 month time period, I had to call them in reference to lost signal/no service, a total of XXXX or 7 times. Whenever I called a representative would walk me through detailed steps to correct the problem in which this did not work. I would be asked to check the satellite to be sure nothing was blocking it or nothing was on it, which I did go outside and check it out ... ... it was all okay. Around the middle part of XXXX XXXX, a technician came by to fix the problem, it worked only for awhile. The last week of XXXX XXXX, a technician came to the house to fix the problem, which it worked only for a little over a week ; so I called back and was told that a technician would have to come out and fix it, but it would be 3 days before one could get by here. I was tired of calling XXXX XXXX every month about no signal/lost service, so I requested them to cancel out my services and not charge me for services I was unable to use and let me out of the 2 year contract agreement. I was informed that it is required for a technician to come out at least 4 times before letting me out of the agreement. After doing some very serious thinking and talking with neighbors who also had gotten XXXX XXXX and they did not have any problems with their services working correctly ; I called to cancel because this was not right at all.
Consumer complaint received 2024-08-12
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bilt Technologies, Inc. (CA)

BILT offers rewards. 

But they don't post the, Have to repeatedly and time-consumingly work with customer support who don't read your responses but post form/irrelevant responses. 

This time they can't even comprehend the problem hence can not post the rewards earned over a few months now.
Consumer complaint received 2017-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have had a Fraud Alert on all three of my credit reports for some time now and an alert that I was to be called if anyone tries to open an account in my name. I have been fighting Fraud accounts for months now. XXXX allowed someone to open a credit account without contacting me as directed, then the account become past due and the reported this on my Trans Union credit report as 30 days past due. I asked for Trans Union to correct this and they submitted a dispute I guess and came back with the company validated the debt, that 's it, how they validate an account I do not know. What I do know is that I have never had an account with XXXX and they did not call me to verify I requested this account be opened. I am not sure what else to do, I have had my life turned upside down because my information was stolen and I am the one who has to fix all this, and a company can just say its valid with no proof.
Consumer complaint received 2017-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

My credit card was stolen on XX/XX/XXXX. Charges were made beginning at XXXX on XX/XX/XXXX. Over {$2200.00} on my chase credit card in 24hours. I never used this card before, it was my  emergency card, I used it only at the emergency XXXX clinic on XX/XX/XXXX. The vendors and my credit card company refused to give me any information about the IP address.. local law enforcement is too busy and refused to look in to my report. I would like to get the IP address of the fraudulent charger to prevent them from doing this again to anyone else. Why wo n't anyone listen to me?
Consumer complaint received 2017-10-25
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. (MO)

Basis for the dispute : On Experian Account # XXXX status is closed, but reports numerous lates and paid as agreed after reporting charged off with an open date of XXXX/XXXX/XXXX. XXXX showing last payment but reporting paid as agreed one month than late and or charged off next month ; On XXXX is reporting a different account open date of XXXX/XXXX/XXXX and payment history as not reported and closed as charged off with a date of last payment/activity XXXX/XXXX/XXXX
Consumer complaint received 2017-10-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

The mortgage was paid off in full on XXXX/XXXX/XXXX and Bank of America submitted the Deed of Release to XXXX XXXX, XXXX XXXX XXXX of Deeds. The instrument number that Bank of America submitted was voided due to missing an e-file certification page. Bank of America never resubmitted the release of deed. I am currently trying to sell the house and I am having issues trying to get this from Bank of America. I have contacted them over XXXX times and feel that nothing has been accomplished. I do not know what steps I need to take next in order to obtain this release of deeds from them. I am attaching the instrument number that Bank of America initially submitted that was voided.
Consumer complaint received 2017-10-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

In XXXX, XXXX, I entered a written dispute with ACCOUNT RESOLUTION SERVICES reference account number XXXX as contained on my consumer credit profile at XXXX, XXXX and XXXX XXXX. Specifically alleged, ACCOUNT RESOLUTION SERVICES was attempting to collect a debt for which did not belong to me. Moreover, said account appears twice on my consumer credit profile notwithstanding the allegation of a single debt owed. ACCOUNT RESOLUTION SERVICES failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with ACCOUNT RESOLUTION SERVICES an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. ACCOUNT RESOLUTION SERVICES failed to report said debt as disputed and failed to conduct an investigation into my allegations of antiquated credit reporting. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account. A review of records compiled by the state XXXX XXXX XXXX XXXX in Florida indicates that ACCOUNT RESOLUTION SERVICES is not currently licensed to conduct business pursuant to section XXXX, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX, XXXX and XXXX XXXX is an unfair and deceptive trade practice. Several phone calls to ACCOUNT RESOLUTION SERVICES have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim that the account did not belong to me. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my XXXX, XXXX and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of false reporting.
Consumer complaint received 2017-10-25
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. (IL)

I applied for a loan consolidation and for my repayment plan to be changed to XXXX on XXXX/XXXX/XXXX. I was never notified about anything except being asked to show proof of my income on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, which I provided. I called on XXXX/XXXX/XXXX to check the status of my consolidation and was told it was stopped because my loans were deferred because I was in school. For 1. I am not in school so my loans should not be deferred and I should be able to make payments on them. Second, when I filled out the loan consolidation application I requested that my loans be consolidated even if they were deferred and that I start making payments on them immediately. I check that box for this. I am now told today XXXX/XXXX/XXXX that I my student loan consolidation was stopped without notifying me and now it will be not be done by the end of the year to received the interest deduction for taxes.
Consumer complaint received 2017-10-25
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: Exeter Finance, LLC. (NC)

To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX  credit file dated XX/XX/2016. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this complaint to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter
Consumer complaint received 2017-10-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

Afternoon, I was placed on a program due to my income probably about 8 months ago. I also had to submit information like my bank statements and work statement information. I was then requested again in XXXX to do the same thing. My account was also in delinquency and I was told once I get on this program and make payment my account would no longer be deliquient and it would show up as paid on my credit report. A couple of days ago I received a call saying that my accounts were delinquent and this is after I made the required payments. I also received a call stating I was denied from the program today. This is a total crock of stuff after all of the on time payments I made I am still being penalized and delinquent this is not a good business practice at all. I would like to resolve this situation or go into default or be transferred to a different servicers because this is ridiculous and very unprofessional. I spoke with XXXX XXXX when she told me I was denied. I am also on a income rebased payment with the federal government and I have loads of student loans there so I dont understand the denial either since the XXXX has my tax returns.
Consumer complaint received 2016-06-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (NC)

I took out a loan with CitiFinancial XXXX 2001 for {$25000.00} for home repairs. 
I only borrowed {$25000.00} and was supposed to pay back {$5500.00}. Somewhere in the making of this loan. {$30000.00} was tacked on to my loan of which is not mine. I have called CitiFinancial for years and sent letters etc. Trying to find out what happened. 
I can not get anywhere with them. I have already paid over {$100000.00} back to them for a loan of only {$25000.00}. I need to know if somewhere some how you can investigate ths loan. I was scammed. I make monthly payments still. I am always behind due to having to rent a place to live because that property is in need of more repairs. 
The property is only valued at {$40000.00}. I have done everything humanly possible to find out why and what happened. I feel like they need to close this loan and investigate. 
I borrowed {$25000.00} in 2001. 
I am still paying monthly payments. 
I have paid back over {$100000.00} on a property valued at {$40000.00}
Consumer complaint received 2017-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

We have been in touch with XXXX XXXX directly and also through your system. 

We have XXXX # XXXX for payment on XXXX/XXXX/XXXX for {$720.00}. 
Letter of Receipt from bank saying they received the payment with our correct full routing number and correct last XXXX of our bank account. We have a documented conversation with supervisor XXXX XXXX as well as her employee # XXXX. 
XXXX XXXX explained to us that XXXX XXXX had NOT Processed the payment, no fault of ours and that no late fees or late notice would be filed - XXXX XXXX bank error We have Conformation # XXXX for payment on XXXX XXXX, XXXX Letter of receipt from XXXX XXXX saying they received payment with correct full routing number and correct last XXXX of our account number. Note from speaking with representative telling my husband that XXXX XXXX just did not process. 

We were contacted by XXXX XXXX saying they would look into it, They told me they listened to recording and have no proof that we did not give them a wrong number? With all of our payments we depend on Conformation numbers to say we have made our payment, then to get a letter to say the same. Only to have the bank XXXX out of taking off this MIS-Reporting because they state the date THEY PROCESSED, which is after they noticed THEIR mistake. 

This is WRONG reporting on both My credit report and my husbands. 
We need CFPB to protect us here, as we are dealing with a KNOWN PREDATORY BANK. They really hurt our credit and it is NOT OKAY. 

Please Help Us, XXXX & XXXX XXXX
Consumer complaint received 2017-10-25
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. (IL)

I already filed Fraud Report over year and half ago these bureaus XXXX and Experian I know for fact were aware and yet still reporting false account XXXX XXXX that was not opened by myself or anyone to my permission.. This needs to be properly removed as XXXX was only one to correct
Consumer complaint received 2017-10-25
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (NV)

To whom may I concern. 

Around XXXX 2015 I got behind in my mortgage payment do to a laid off work. I was trying to have my lender to help me with the late payment witch they did, but it was one late payment, they did refinance the loan and put the payment to the loan. and it was a first tryout for Three months until the process was done.. 

But my problem with the lender is they keep reporting late every month for the time of the process begin until the new loan started, now I carry almost six late moths in my credit report, I cant get them to change that information, they just wont do anything else I have no other options but just keep with anger and frustration with my lender company with is PennyMac ... 

is hard to get a reasonable loans with options of higher interest rates, thanks to that. 
I wander if is anything the I can do to have my lender stop reporting inaccurate information, or if the information is accurate if so, how can I fix that in my credit report.
Consumer complaint received 2017-10-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (TX)

On XXXX XXXX, XXXX at XXXX am I was contacted by a person saying they were calling from Comenity bank from a blocked number. I believe she said her name was XXXX. I had to ask 3 times what company was calling. She just kept calling me by name. She never verified that I was who she thought I was. She then discussed my personal information about the debt not even bothering to identify me. She also did not disclose that the call was either monitored or recorded if it was. I ended the call. I was called 4+ times that day after I had made contact with her that morning. These people call me sometimes in excess of 16 times a day. I have also received messages that I felt threatened by. Since these people are saying that they are the original creditor is there anything I can do to stop this harrassment?
Consumer complaint received 2017-09-09
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. (KY)

In or around XX/XX/XXXX, the credit reporting agency Equifax was the target of a massive data breach. As a result, the data of approximately 143 million Americans was improperly allowed to be accessed by malicious 3rd parties. 

Upon being notified of this breach by various media reports on XX/XX/XXXX I checked to see if I was impacted on the website provided by Equifax. According to their system I was indeed subject to that breach. I immediately placed a fraud alert in my account. Additionally I attempted to place a security freeze on my credit only to find that this would cost me {$80.00} between my spouse and myself in order to cover all 4 credit reporting agencies, a fee that I consider burdensome considering that it was Equifax that allowed their system to be breached and I as a consumer did not elect to use the services of this company. 

I have reached out to Equifax to no avail.
Consumer complaint received 2017-10-25
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: TENET HEALTHCARE CORPORATION (PA)

Affidavit of Demand by XXXX XXXX XXXX XXXX OF XXXX COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of 18 and am a resident of the XXXX of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 

3. Date : XXXX/XXXX/XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : Creditor Name : XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX I am sending you a Letter of Demand Under Section 604 of the Fair Credit Reporting Act. I see you put an inquiry on my credit report. Please provide me Permissible Purpose of your inquiry. Please provide me proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FRCA section 623. Please provide me Written Authorization, the original contract copies of my signature that I initiated this Inquiry. I have been a victim of identity Theft. Please see my 10-page attachment ( Your Duties Under the Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

FTC Identity Theft Report Number : XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX