davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (AZ)

This is a complaint from XXXX XXXX against National Credit Systems for National Credit 's failure to provide requested information for the debt alleged. National Credit Systems has been reporting two open accounts on consumers credit report that client does not recognize. On XX/XX/XXXX, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d.  Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. On XX/XX/XXXX, National Credit Systems responded providing only original statements with no verification that they own the debt or that it was transferred to them. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Consumer complaint received 2017-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX XXXX, XXXX in response to the Equifax hack I attempted to put a security freeze at all XXXX credit reporting services. When i tried to do that online at Transunion they said I had to create an account or sign in. I tried to create an account but the computer said I already had an account. This is possibly from about 15 years ago when i tried to fix an error on my report. 

I have no idea what the password or username would be so I tried to retrieve them. The the computer gave me the message that it could n't get the account info and was unable to complete the request. 

I finally had some time today XXXX XXXX XXXX, XXXX XXXX to try again. I called XXXX, waited on hold and was finally connected. The person told me I had to call XXXX XXXX at XXXX. I called and was placed on hold. The person told me I had to call the XXXX XXXX XXXX XXXX at XXXX I called that number and the robot gave me options none of which was to talk to a live person and none of the options was for what I needed. It was all robots. 

I called XXXX again, was placed on hold and they again told me I had to call the XXXX number. When I told them I was unable to talk to a live person they said I had to call that number. I talked to a supervisor and he said he had no information about that department and could not help me but I had to call that number to resolve my problem. 

Unbelievable/ frustrating! I gave up and am writing this. 

I had the same problem with the XXXX other credit reporting companies. I could get into their websites because they said I had an existing account but could not tell me the XXXX or XXXX.
Consumer complaint received 2017-11-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

I am a victim of Hurricane Harvey that happened XXXX-17 in XXXX, Texas. The insurance company sent of check in the amount of approx. {$37000.00} to repair my home and the contractor estimate is approx {$53000.00}. The Carrington mortgage servies company will not release the funds to have the company start on my home. The insurance is taking care of the difference. Please advise in correcting this matter. My home is not livable and I can not continue to pay for rent and mortgage in two places. Also if I am to pay for insurance through my escrow why would the Carrington mortgage servicers company put something that I am paying for in their name and is that legal. Today is XXXXX-17 and my home is still a disaster. I have called numerous times to at least get clarity of when the funds would be dispersed for my home repairs. The staff is unpleasant and unhelpful. I am tired and frustrated with no help. Thanks in Advance XXXX XXXX, XXXX  XXXX
Consumer complaint received 2024-10-30
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: SOFI TECHNOLOGIES, INC. (NV)

Sofi denied loan # XXXX due to " Does not offer credit on the terms requested '' They stated that they are not able to refinance student loans when the borrower is " in school '' however nowhere on their guidelines, terms, website, or FAQ does it have this listed at all, otherwise I would not have bothered to apply. In addition to this, no other reasoning for the denial was provided, and the funny thing is that they allowed me to refinance earlier this year, for the exact same loan, while I am " still in school ''. According to them, this is " an oversight '', however to me, it seems like discriminatory or false lending terms under the pretense of promising a lower rate.
Consumer complaint received 2017-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

Hello ; I have been at odds for the last two years with all three credit reporting groups ; XXXX ; XXXX XXXX ; and Eqifax. 
I have contacted them twice about correcting my name and business history ; and then my items like available credit. 
Most recently my credit score has crashed from nearly XXXX to XXXX without me doing anything but normal business. And their only answer is that I 'm using too much of my credit! 
I will give them the consideration that I have two disputes and a settlement finalizing about medical care ; but still all my accounts are paid. Even during XXXX treatment I was able to keep all my accounts up, and even later pay balances back down. 
At this point they just ignore my information and report all kinds of things like my available credit being something like {$2000.00} This is asanine!, XXXX XXXX has {$3600.00} available for me ; XXXX XXXX has over {$20000.00} ; of which I only used {$13000.00} and payments are current. Additionaly XXXX XXXX has offered {$38000.00} limits in auto finance ; four other credit offers have been made that total over {$5000.00}, and XXXX XXXX has offered {$6000.00} in a credit line. 
So, i have written them all twice to stop reproting only the bad parts of my credit file, and show the reality of the whole picture! 
This has resulted in a ripple effect of XXXX XXXX canceling one of my accounts and reducing all my accounts they administer, and my score has crashed from going up steadily to about XXXX, ( XXXX XXXX, back down to XXXX recently. And again a vendictive attitude, asanine excuses, and a one way mirror effect from them. 
The biggest thing they ever did was send my complete report from two of them, showing numerous entries of credit checks I never asked for, and again, no mention of my large credit open lines. 
I also closed a bankruptcy in 2007, and it expired, but the effect is like they are vendictive about not showing it. 
I am way over my head in how to deal with them and the more I say, the worse it gets. They take a defensive tact, and thats the end of that. 
Can you help, I ca n't afford to sue three big firms like theirs, and I guess they count on that? 
I actually think there is a collusion with some entities and their reprots since people that wanted my business had no negative things to say, like XXXX XXXX, but others just jacked up rates and snarled about the " negative reports ''!
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

On XX/XX/XXXX, I had called in to customer service because we had issue trying to make our XXXX payment online. After speaking with an agent, she informed us that it was due to us being approved the loan modification program, which would lower our payments. During the conversation, I was informed that we did need to make a payment until our XXXX payment was due, on XX/XX/XXXX. When XXXX rolled around we noticed that our XXXX payment we into a past due status and I contact the company again to resolve this. At that time I was informed that the call would have to be reviewed, and the agent did see the notes clearly on our account that stated we were informed no payment was due until XXXX. He even mentioned it would take about a week to review and to call back. A week later I called back and was informed it was still being review, and to call back. I gave it a few more weeks and called back the end of XXXX to make our XXXX payment over the phone, and scheduled it for XX/XX/XXXX. At that time, the agent after asking about the status mentioned that it was still being reviewed, and proceeded to inform me that it would be updated on our credit that XXXX is working with us. That is incorrect, because I pulled my credit report this month as a result of the Breech, and we are still showing 30 and 60 days past due, for XXXX and XXXX. 

We in good faith, did exactly what we had been advised by the rep in XXXX and made no payments until XXXX. We have even during this period of time left message on the online messaging system to seek a resolution, which all 3 have been closed with no outcome or response from XXXX XXXX. The first inquiry online was on the old system and got purged, on the consumer side, when the new website went live, the other 2 have been closed. One indicating we need to verify who we were, which we did when we signed into the account. The second request on the new system was again an attempt to resolve, and was closed with no comments on outcome.
Consumer complaint received 2017-09-27
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)

Hello ; I have been at odds for the last two years with all three credit reporting groups ; Experian ; XXXX XXXX ; and XXXX. 
I have contacted them twice about correcting my name and business history ; and then my items like available credit. 
Most recently my credit score has crashed from nearly XXXX to XXXX without me doing anything but normal business. And their only answer is that I 'm using too much of my credit! 
I will give them the consideration that I have two disputes and a settlement finalizing about medical care ; but still all my accounts are paid. Even during XXXX treatment I was able to keep all my accounts up, and even later pay balances back down. 
At this point they just ignore my information and report all kinds of things like my available credit being something like {$2000.00} This is asanine!, XXXX XXXX has {$3600.00} available for me ; XXXX XXXX has over {$20000.00} ; of which I only used {$13000.00} and payments are current. Additionaly XXXX XXXX has offered {$38000.00} limits in auto finance ; four other credit offers have been made that total over {$5000.00}, and XXXX XXXX has offered {$6000.00} in a credit line. 
So, i have written them all twice to stop reproting only the bad parts of my credit file, and show the reality of the whole picture! 
This has resulted in a ripple effect of XXXX XXXX canceling one of my accounts and reducing all my accounts they administer, and my score has crashed from going up steadily to about XXXX, ( XXXX XXXX, back down to XXXX recently. And again a vendictive attitude, asanine excuses, and a one way mirror effect from them. 
The biggest thing they ever did was send my complete report from two of them, showing numerous entries of credit checks I never asked for, and again, no mention of my large credit open lines. 
I also closed a bankruptcy in 2007, and it expired, but the effect is like they are vendictive about not showing it. 
I am way over my head in how to deal with them and the more I say, the worse it gets. They take a defensive tact, and thats the end of that. 
Can you help, I ca n't afford to sue three big firms like theirs, and I guess they count on that? 
I actually think there is a collusion with some entities and their reprots since people that wanted my business had no negative things to say, like XXXX XXXX, but others just jacked up rates and snarled about the " negative reports ''!
Consumer complaint received 2017-10-17
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: EQUIFAX, INC. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX I spoke to an agent over the phone with XXXX and sent out letters to the companies to delete inquiries that are not mines on my report. The agent would not help me and I did not get a response from the companies in writing, it been 45 days. 
Equifax XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXp XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Professional Recovery Management (TN)

XXXX and XXXX had an account in collection from Fox collection for {$84.00} which was prior to my bankruptcy. I filed disputes with both credit bureaus. XXXX removed the account as they should. XXXX refuses to remove it, even after notifying them that Fox Collection does n't have and has not even reporting this account to them since my bankruptcy! They will not remove it, I do n't feel I should be forced to either pay it to get it removed or get a lawyer. XXXX has been messing up my credit since my bankruptcy, which I 've tried very hard to improve my credit and what 's crazy is that XXXX  even shows my bankruptcy on my report! I 'm so frustrated, please help me with this. Thank you for your help!
Consumer complaint received 2017-09-27
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: EQUIFAX, INC. (NY)

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this XXXX account ending in XXXX. 
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card.
Consumer complaint received 2017-09-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

my previous compliant # XXXX XXXX XXXX called me over a week, because we have time zone conflicts, I tell her email me instead. 
Finally I have to call her and get hold with her yesterday when I take time off work early. She told me she already replied your department, but when I checked today it still show open. 

The email I send to her yesterday and try to copy your office as follow : Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX XXXX, I spoke to you today and here 's the statements I copy from XX/XX/XXXX, which proof I have POA since XXXX and XXXX 's accounts open at Bank of America more than 15 years, it never has to get POA appear at statements. 

Your bank mail us statements last month start separating the checking and savings. Instead each month I should get one set statement for each son, I have 4 statements in separate envelops. 

I simply request the following two : Did not want POA show at statement. 
Have savings and checking statement combined each month. 

Please let me know if it can or not? If you can not fulfill my requests, please give me reason why? Any bank regulation states that POA must appear at banking statement as account title? 

Waiting for your reply either by mail or email, do not call because we have time zone conflict.
Consumer complaint received 2017-09-26
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Check Fraud Services (CA)

A XXXX XXXX called between XXXX XXXX on Tuesday of XX/XX/XXXX. She said I have 3 counts against me and that I will need the amount of {$6000.00} for bond or spend time in jail until my court hearing and if ca n't pay spend up to 2 years in prison. 
The three counts are 1. intent to defraud, 2. thief of use weapon or something like that, 3. larceny by check. 
The company name is XXXX XXXX, check was supposedly written back in XX/XX/XXXX for the amount of {$350.00}.
Consumer complaint received 2017-09-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MN)

My identity was stolen last XXXX and several credit cards were opened and successfully had charges on them ( not very much, but enough ). These fraudulent accounts were caught quite quickly and closed. My credit score was XXXX prior to the fraudulent activity. After, it was XXXX. One year later, it has not recovered at all despite the information being " wiped '' from my credit report. Experian is stating there is nothing that can be done. They are stating that I should be contacting the companies I do business with like XXXX XXXX, who are providing a free FICO score as a benefit through my card. XXXX XXXX is stating that I need to contact Experian. I am stuck in a vacuum, with no way out and no hope of a better score. I am paying more on things like car insurance because of this nightmare.
Consumer complaint received 2017-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I paid off my entire balance, which was posted as {$360.00}, in XXXX XXXX 2017. I checked the balance in XX/XX/XXXX, and they had billed me {$5.00} in interest for that cycle, after I had already paid it off on full. The explanation I was given was that you have to have no balance for two months straight to avoid being charged interest. What was that {$5.00} of interest based off of since I paid off the whole balance the month before? Did they conceal the real balance in order to continue to charge me interest? At the very least they were misrepresenting the full balance on my account information.
Consumer complaint received 2017-09-27
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. (NY)

Hi there I tried to contact Free Annual Credit Report on XX/XX/XXXX,  and submitted to CFPB on XX/XX/XXXX also the first complaint re not getting my Transunion report ( or XXXX report ). On XX/XX/XXXX I had a response to complaint XXXX about TRANSUNION. Transunion asked me to resubmit complaint with a copy of two documents ( documents to choose from a list - one being a bank statement ) - because they wanted to see my latest mailing address. I am now resubmitting the complaint with two copies of bank statement from within last two months. Please send me my free credit report
Consumer complaint received 2017-09-27
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (WA)

I went to a cash maching to use a card from One Main Financial to get {$500.00}. It was a XXXX XXXX machine, the machine said the cash transaction was declined or was unable to be processed. Though the cash was never dispensed - the charge went on my card anyway. 

I called XXXX, the ATM service provider, and One Main.  They all blamed each other and nobody would refund my money. I filed a dispute with One Main and they said it would take 10+ days. In the mean time I am out {$500.00}. One Main states they are acting on my behalf to resolve the situation but will not provide me with any documentation on what they are doing. I said if they are acting on my behalf they must provide me with the information on their efforts to resolve the situation - I was very clear with the representative and she refused and when asked several more times, I made clear what I was asking for - she continued to refuse. 

XXXX and One Main are both pointing the finger at each other and nobody cares that they took ( basically theft ) {$500.00} from me.
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XXXX XXXX, I asked for verification of the origin of this debt according to the FCRA section XXXX. 

They have not responded, they continue to collect and report this debt as valid. 

They charge me fees every month, and annually on top of interest. This card was offered to me with a {$250.00} fee to begin with and their practices are unethical in the fees they charge. 
I would like to see the original payment agreement but my account has been sold XXXX now and I can not get any of the original information that they are reporting, so I do not know what charges are correct.
Consumer complaint received 2017-01-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Designed Receivable Solutions, Inc. (CA)

Recently, I found a collection debit record from Designed Receivable Solution Inc ( XXXX, orignal creditor : XXXX ) on my credit report. I never went there to see a doctor, they must make a mistake. In fact, I know a guy whose name is similar to mine visited there to see a doctor and he also lived at the same place with me. I believe that they had made a mistake. 
So, I require to remove this collection debt from my credit history. 
Thank you.