davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-25
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I'm just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty angry right now to be honest, but I know that mistakes happen. I trust you'll fix the situation. Here 's the wrong info : Account Name : XXXX XXXX Account Number : XXXX Reason : Incorrect late payment I keep immaculate records of payment history acrossed all my bills and accounts, and there should be no late payments showing here. 

Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported. 

I take this very seriously and I would appreciate it if you remove the late payment marks off this account as soon as possible. 

Thank you, XXXX XXXX
Consumer complaint received 2021-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (PA)

Please help me have no where else to turn, I am totally lost. I am a single mother of XXXX, lost my job due to covid-19, for XXXX  I ordered my kids toys from XXXX, XXXX  came and went toys never arrived did not have money to replace toys, told my kids due to covid XXXX was running late with toys, so we waited. When I saw nothing was happening I decide to get my money back from XXXX. This is where citi bank comes to play, step by step I told my XXXX XXXX XXXX, ( FIRST MISTAKE ) THEY ANSWERED AND SAID XXXX, I explained what happen, he said yes they had alot of problems with mail DUE TO COVID19, so they where giving back the money, but you must download this app called QUICK SUPPORT AND DO NOT TOUCH MY CELL HE IDENTIFIED MY PHONE HAS AN XXXX, AND LIKE A GHOST HE WAS ABLE TO MOVE ALL KEYS ON MY CELL, HE STOLE XXXX LEAVING XXXX BALANCE, THIS ACCOUNT IS A SSI ACCT. FOR MY DAUGHTER I WAS JUST THE PAYEE SHE IS XXXX, GOD BLESS ME WITH A FOREVER BABY, HER NAME IS XXXX THE ONLY REASON THERE WAS SO MUCH MONEY IN THAT ACCT. IS BECAUSE UNFORTUNATELY THE XXXX STIMULUS WAS IN ACCOUNT, WHEN THEY STOLE THIS MONEY THEY STOLE ALL WE HAD, NOTHING TO EAT, NO MILK NO EGGS NOTHING, I DID ALL I WAS TOLD TO DO, OPENED NEW ACCT. WITH A XXXX BRANCH OVER CELL, COME TO FIND THERE ARE NO CITI BANK IN THIS NEW STATE I MOVED TO IN PENNSYLVANIA, I SOON I GOT OF PHONE WITH THE THEIVE I CALL BANK IMMEDIATELY SECONDS, WENT TO MY EMAIL AND RESPONDED IMMEDIATELY TO YOUR FRAUD ALERT, I HAVE NOTHING PLEASE HELP ME I FEEL SO LOST NO WHERE TO TURN, I CALLED BANK TO SPEAK TO FRAUD DEPT. AND THEY SAID IT WAS DENY, XXXX DOLLARS IS LIKE A XXXX TO US.CAN YOU PLEASE LOOK IN THIS CASE, THIS IS A DISSABLITY ACCT. I BEG YOU I HAVE NOONE IN THIS STATE I DONT EVEN HAVE A JOB NOW, WE NEED THIS MONEY TO SURVIVE. THANK YOU, GOD BLESS STAY HEALTHY AND THANK YOU FOR READING THIS. PLEASE LOOK AT ACCT. DESPERATE MOTHER, XXXX XXXX XXXX FOR XXXX XXXX XXXX MY CELL XXXX
Consumer complaint received 2017-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX closed account, reversed debt from {$400.00} to {$0.00} on XXXX/XXXX/XXXX, and removed all late marks on XXXXAll is fine with XXXX. Negative remarks need to be removed on XXXX and Transunion.
Consumer complaint received 2023-03-07
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. (NC)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : CHILD SUPPORT ENF AG/N XXXXXXXX Balance : {$0.00} ; U S DEPT OF EDXXXX XXXX Balance : {$33000.00} ; U S DEPT OF EDXXXX XXXXXXXX Balance : {$38000.00} XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-07
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. (NC)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any remaining records. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-04-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frost-Arnett Company (TN)

Debt company - Frost Arnett https : //www.frost-arnett.comXXXX First contact was received on XX/XX/XXXX at XXXX XXXX CST. They informed me they were calling to collect a debt of $ 600-ish for medical debt almost 4 years old, i requested a verification of that debt be sent to me before any more communication occurred. They agreed and the call ended. 

Second call was received on XX/XX/XXXX at XXXX CST informing me they were attempting to collect a debt. I stated i had not received the validation of the debt and asked they not contact me until that validation was received. 

Third call was made by me from my work phone the week of XX/XX/XXXX. I had NOT received a validation of the debt and asked for them to send it. They agreed to send one. 

Fourth call was made by me from my work phone the week of XX/XX/XXXX. I had NOT received a validation of the debt and asked for them to send it. They agreed to send one. 

Today is XX/XX/XXXX and i have yet to receive a validation of the debt. I am sending them a formal request via certified mail with receipt request today. Also filing a complain with you because this shady behavior is unacceptable. 

I wish to add that You keep sending Mail to a PO BOX that doesn't work. I keep asking you to send any and all correspondence to XXXX XXXX XXXX XXXX, XXXX TN. XXXX.
Consumer complaint received 2021-01-25
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (IN)

I opened a card with Lowes/Synchrony Bank under promotional terms for a purchase in XX/XX/XXXX. The credit limit was {$3000.00}. I continued to pay on the balance per the terms on the card. In XX/XX/XXXX this credit limit was suddenly reduced to {$1300.00}. This reduction placed my account in " over the limit '' status as the balance was {$1300.00} before fees and interest. When I called to inquire about the change in limit and why the company chose a limit below my present balance on XXXX XXXX, XXXX, I was told by customer service they could not give me any specific information. Customer service also said that a letter explaining their decision had been mailed to me. Approximately 10 days later I received this letter ( attached and annotated ). The letter did not mention reasons explaining the choice to reduce the limit below my balance, rather it referred to information from my XXXX  credit report as a reason to reduce the limit generally. This information was inaccurate, so on XXXX XXXX, XXXX I called customer service again. This time I complained explicitly of their placing my account in " over the limit '' status and the inaccurate credit report information as their action had lowered my credit rating by XXXX points. I asked for a correction of information and raise of my credit limit. ( For example, XXXX  showed my FICO8 score as XXXX as of XXXX XXXX, XXXX, but Lowes ' letter cites a score of XXXX in their decision-making. ) In processing my request the company hung up on me and did not call me back. To date, no remedy or limit increase has been taken by Lowes.
Consumer complaint received 2021-01-25
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (RI)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2021-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.
Consumer complaint received 2023-03-06
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)

XXXX XXXX is reporting a charged off account on my credit reports that is inaccurate. The information regarding this reported account is verifying inconsistent information between each bureau and is reporting inaccurate information. The reporting balance they say I owe is invalid, as well as the last reported date of payment and activity on this account. If all of the credit bureaus receive their information from the same place, how are they all reporting inaccurate and inconsistent information? It is illegal for the consumer reporting agencies to not conduct a full and proper investigations regarding disputes and it is their responsibility to verify and report ACCURATE information on a consumers report. I am requesting that this account is deleted from my credit reports now!
Consumer complaint received 2021-06-02
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. (GA)

The first issue is my student loans were forgiven by the US Department of Education, and the credit bureaus are still reporting the accounts with a defaulted balance. I have submitted disputes with the letter showing the forgiveness, and they still will not delete the accounts. The second issue is when my loans were sold back to the US Department of education from XXXX XXXX ; the credit bureaus did not remove the XXXX XXXX accounts from my credit report, so the same accounts report twice. Over the past three years, I have written to them explaining this, and yet again, they refuse to update my profile.
Consumer complaint received 2017-11-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (FL)

My name is XXXX XXXX and I 'm a victim of Identity theft, Ive attached my FTC identity theft report. I believe that my accounts have been used fraudulently in the past and currently. Can you please check to see if any personal or business accounts are open under my social security number or have been open in the past. if so, can you please close the account and send every single statement to my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN # XXXX
Consumer complaint received 2017-11-02
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CO)

No resolution to the following complaint that had been filed. 


LOAN NUMBER : XXXX BLS CASE NUMBER : XXXX REG CASE  NUMBER : XXXX I truly feel hopeless I have been dealing with Bayview Loan Servicing for several months, in hopes of a response to my many settlement requests for a charged off loan. They never gave me a response. Bayview is notorious for mishandling documents. I am not convinced that this regulatory agency are not aware of the many complaints against Bayview Loan Servicing. My question is, why the government have not taken actions against Bayview and its affiliates.
Consumer complaint received 2021-11-23
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (FL)

I am the consumer submitting this complaint on my own behalf expressed on XX/XX/XXXX ; I contacted XXXX XXXX, doing business as : Chief executive officer ; successors and all assigns ; and organization Navient/Dept of ED on XX/XX/XXXX exercising my right of rescission pursuant to 12 CFR Part 1026.23. I was never given full disclosure of my right to rescind consumer credit transaction expressed on XX/XX/XXXX, this is not in compliance with 12 CFR 1026.23 ( b ) ( 1 ). XXXX XXXX, doing business as : Chief executive officer ; successors and all assigns ; and organization Navient/Dept of ED are in receipt of this notice and are also in receipt of proof of service of this notice, view all attached documents. 

Since receiving notice of my right to rescind the above noted consumer credit transaction XXXX XXXX, doing business as : Chief executive officer ; successors and all assigns ; and organization Navient/Dept of ED are attempting to transfer account to XXXX. I do not consent, nor do I offer to contract with XXXX. I have exercised my right of rescission pursuant to 12 CFR Part 1026.23.
Consumer complaint received 2017-11-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Utah System of Higher Education (CA)

I have been trying to arrange an income based repayment plan for XXXX months now. I mailed in my forms and supporting documents on XXXX XXXX, and did not hear back from XXXX. I emailed XXXX at the end of XXXX and did not hear back from them. I faxed the same forms to them on XXXX XXXX, emailed, AND sent new physical documents via XXXX. Still no word. 

Then, yesterday, they called me to " make sure I pay my past due balance. '' Mind you, the amount due has STILL not been addressed by anyone. The representative I spoke to then searched for my forms and told me they were in " processing '' and he would have to expedite the process. Excuse me, but is n't XXXX months long enough to process a simple request? 

Rather than understand that my case is being processed, this company has continued to call me with harassing phone calls repeatedly. This is abusive behavior, and it is damaging to XXXX credit report. I filed my forms on time, XXXX is holding up the process.
Consumer complaint received 2023-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX  Account # XXXX I am writing to file a complaint against Transunion and XXXX and XXXX XXXX  for their failure to provide me with proper validation for an account that has been furnished on my credit reports. 

I have contacted the original creditor multiple times, requesting that they provide me with the necessary information to validate the account, but they have failed to do so. I have attached copies of our correspondence for your review. 

As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These laws require that companies provide consumers with accurate information and proof that they are authorized to report information to the credit bureaus. 

I am requesting that the company provide me with the proper validation for this account or remove it from my credit reports. I also request that they take the necessary steps to ensure that all future reporting is accurate and complete. 

After disputing this account with XXXX, they conducted an investigation and found no validation and adhered to the FCRA FDCPA laws, and deleted this account from my reports. I am asking these companies to do so as well I will attach a screenshot of the proof of deletion from XXXX. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-11-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

XX/XX/2020 In XX/XX/2020 I reached out to WFB for a forbearance regarding my mortgage due to COVID 19. I was 2 months behind on my mortgage at that time. In speaking with the representative from home preservation I was granted forbearance for XXXX, XXXX, and XX/XX/2020. 

I spoke with the same Home Preservation Specialist twice. The first time was to ask for forbearance and inform her I was had late payments. I wanted to know if I'd qualify for forbearance with late payments? The second time was after she checked with management to confirm that my late payments would also be rolled to the back of my mortgage. In the second phone call, she assured me that my late payments would be rolled to the back of my mortgage along with my 3 months of forbearance for XXXX, XXXX, and XX/XX/2020. At the close of the conversation, the Home Preservation Representative said she made specific notes in my file and assured me both times we spoke that my late payments and my three months of forbearance would be put on the back of my mortgage loan.

I was contacted by WFB in XXXX for check-in and offered an extension on the forbearance until XX/XX/2020. 
In my conversation with the Home Preservation Representative, I explained I was 2 months late on my mortgage, and I was told by the 1st.representative that those late payments would be rolled to the back of my loan along with my 3 months of forbearance for XXXX, XXXX, and XXXX. At that time on the phone, I was assured that my late payments and forbearance would be put on the back of my loan for XXXX, XXXX, and XX/XX/2020 aslo. I specifically brought up my late payments with WFB and that home preservation specialist said she saw my notes and confirmed the information was correct. 

On Saturday, XX/XX/2020 XXXX from WFB called and said the investors were looking into my loan and they needed to do a document review and that I was miss informed about putting my last payments on the back of my loan. That I had 3 late payments and to bring the loan current for {$9600.00}, or I had a chance to go into foreclosure and that I was having problems making my payment before the forbearance and that's why the wanted to conduct a documents review. 

I explained my prior conversations with the last 2 Home Preservation Representatives with dates and in my notes it was documented that my late payments would be moved to the back of my loan. 

XXXX confirmed that the notes were in my file I can see those notes and they do say that but the investors said that was a mistake and they dont do that anymore. But I would feel the same way you do if about this. 

I did escalate a complaint with WFB here is my case number XXXX Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX XXXX XXXX
Consumer complaint received 2017-11-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SUNTRUST BANKS, INC. (FL)

My name is XXXX XXXX and I 'm a victim of Identity theft, Ive attached my FTC identity theft report. I believe that my accounts have been used fraudulently in the past and currently. Can you please check to see if any personal or business accounts are open under my social security number or have been open in the past. if so, can you please close the account and send every single statement to my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN # XXXX