davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-16
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: Bridgecrest Acceptance Corporation (NC)

Disputed The Company Bridgecrest on my credit report several times because it was not my account. Someone had stole my identity ( my ID and SScard ) and purchased some credit cards and a car loan in my name. Tried to do the right thing and reach out to the company. A young lady called me after reporting it by the name of XXXX. Seemed nice at first. She told me to send them a copy of my drivers license, sscard a notarized identity theft affidavit and that should clear things up and they would take it off. She then sent a email and a letter to my house explaining the same 3 things to fax to them. I did exactly what she asked of me to do and then she called me back stating they needed some more documentation showing bills front hr past few years and etc and that would help with my case. I told her it was ridiculous! Something told me to go online and look this company up and when I did, I haven't seen not one good comment about them. I even saw where someone who actually had a actual account with them paid off their loan and they still put it on their credit report as not paid off. I am tired of battling with this company trying to prove to them that the account with them is not mines. They are being stubborn and yes, when I called in to ask for XXXX they were very rude on the phone. I couldn't believe it! I now have to waist money and seek legal help with this company from their unprofessionalism!
Consumer complaint received 2019-05-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: GRANITE STATE MANAGEMENT & RESOURCES (PA)

In the fall XX/XX/XXXX semester, I had attended one university, and then later transferred to a new university for the Spring XX/XX/XXXX second semester. I withdrew from first university, but enrolled as a full time student at  new university. Granite State management on XX/XX/XXXX, notified me that my enrollment had changed to withdrawn or had dropped below a full time student, I immediately contacted them and was able to provide all the correct documents to show that I was in fact still a full time student, but had just transferred. We were able to work through the issue and my loan was put back in deferment. On XX/XX/XXXX, they contacted me again stating that my enrollment had changed yet again, which it had not. I checked with the university and I was still enrolled full time and even already had my enrollment confirmed for the fall XX/XX/XXXX semester, which I had provided when the first time the company contacted me on XX/XX/XXXX. 

I call the company again immediately and they refused to even look at my current enrollment and said they were unable to help. They offered for me to fill out deferment paperwork again, which I did, but they will not listen to me that I believe that they are using my former university 's status of my enrollment, and not the school I had transferred to. 

This reoccurring issue is ridiculous and they are unwilling to listen and provide me with any information. They blame the university, tell me to call them, although that is far from the case. This issue could easily be resolved, but they seem to be making it very difficult to be able to work through this.
Consumer complaint received 2019-05-16
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Exeter Finance, LLC. (NC)

I get behind on my payments due to lack of work and repairing the vehicle. I already paid the initial price for the car, {$16000.00}, and Exeter finance always call and harrass me..they disrespects me and threatened me to take my car ... interest rate is high and they won't refinance my vehicle.
Consumer complaint received 2019-05-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

I was in a apartment complex ( XXXX XXXX  XXXX XXXX, XXXX ) from XX/XX/XXXX. I moved out of that apartment in XX/XX/XXXX. I did not get any communication from them that I owed any amount while I left the apartment. I got a letter from National Credit Systems on XX/XX/XXXX, 6 months after I left the apartment that I owe {$2500.00} to the old apartment due to damages caused to the apartment. I have not been given any bills or proof of this damages caused to this apartment. When I tried calling National Credit Systems about the proof and why I was not contacted for 6 months and I wanted to dispute the debt, they were rude and disconnected the line saying that this debt will be on my credit history. I have a exemplary credit history and would like to maintain the same. Please help me. They are frauds trying to collect money by threatening me. 

National Credit Systems Inc Curent Creditor : XXXX XXXX XXXX XXXX XXXX / XXXX - XXXX Account # : XXXX Amount : XXXX
Consumer complaint received 2019-05-16
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (MA)

Hello, I purchased items at Home Depot on XX/XX/XXXX paid through Homedepot credit card ( citi bank ) my husband brought items back to store for return on XX/XX/XXXX due to wrong items. Store clerk and manager declined the return because " items were already returned '' they said. Based on what store manager told me and I called to check with the Citi bank that I still have not see the credit back to my account for returned items.

Citi bank did not sound to help me resolve this problem.
Consumer complaint received 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Acceptance Corp. of South Carolina (TX)

I filed for bankruptcy XX/XX/XXXX and it was discharged on XX/XX/XXXX. I am showing under XXXX an auto account for American Credit Acceptance  showing 30 days late on an account that should show closed. This is affecting my credit score and should reflect as a closed account. Please see copy of information from my XXXX XXXX report. I will be reaching out to the creditors and filling a dispute with XXXX XXXX as well. I am asking that this mistake be correct immediately American Credit Acceptance Act. # XXXX*********** 30 Days Late XX/XX/XXXX Opened {$14000.00} High Balance {$0.00} Balance Individual Account Vehicle Loan Account Type Closed Condition XX/XX/XXXX Date Reported {$430.00}
Consumer complaint received 2019-05-16
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. (CA)

an auto loan is reporting under my equifax credit reporting agency, this is an inaccurate information, this does not belong to me, l please help me in this situation, since i have already obtained a police report, and the FTC report, i have been providing these documents to equifax for several times but they have not been helpful at all. as a consumer i am turning my wheels towards you and i need your help, please find attached the same documents and you will see for yourselves thank you for your help
Consumer complaint received 2019-05-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (CA)

I inherited my family home of over 30 years once my mother passed away in XX/XX/XXXX via family trust. I was not only successor trustee but solo benificary of her trust. For the past 7 years I've maintained the property with no problem. I recently fell on a financial hardship which caused me to fall behind on the mortgage. In the past when this has happened I was able to simply contact the lender and workout a payment arrangement with no problem. My loan was recently sold to a new servicing company, however I didn't think anything of it. I reached out to them to request a 6 month re payment plan and provided all documentation required back in XX/XX/XXXX. Every time I would request a status they would ask that I provide them with more documentation. This delay was extensive causing me to fall further behind. To date I'm behind {$14000.00}. I recently contacted them on XXXX   XX/XX/XXXX and the representative stated the borrower is dead and hung up in my face. I tried to explain that yes the initial borrow ie my mother has passed away something that has been in my file since XXXX, however I'm not deceased. The representative still hung up in my face as I requested to speak with a manager. Since I've placed several phone calls with no resolve and even faxed over a letter where I included a copy of our family trust. The property is recorded in my name so they are well aware it's mine. To date I've still not heard back. My property is worth a lot of money and I feel this company is trying to force me to lose my family home of 30 years. At this point I have the monies to pay the back and current mortgage payments, however they still will not contact me or speak with me. They have also blocked online access so I'm not able to go online to pay and bring the loan current.
Consumer complaint received 2019-05-16
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. (GA)

I recently applied to refinance my car and I got denied. I don't understand why I would be denied because my income and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand how this could happened but these items are not mine and they all need to be deleted from my credit report. I have contacted FTC and the police. I'm doing this on my own. Chapter XXXX Bankruptcy, Chapter XXXX Bankruptcy, XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX/XXXX. XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. INQUIRIES : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX & XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX.
Consumer complaint received 2019-08-09
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. (NM)

I've been trying to buy a home through FHA. Two of the credit reporting agencies reported accurate information. The third, Experian, first was locked, I could not gain any info. Then with the help of my finance consult, on XX/XX/XXXX we finally found someone that understood our problem : My credit report contains information on someone else with the same name that is DECEASED. And two accounts specifically, XXXX/XXXX XXXX, are on my report. They are not mine, have never been in the military, and I am not DECEASED. We filed a dispute XX/XX/XXXX and about 3 weeks later, someone finally discovered the problem and DELETED the XXXX account. So I thought that would solve everything, since they had lumped XXXX and XXXX XXXX together. So when my finance person and I went back to see what Experian was reporting, in order to finalize my FHA loan, before I lose ANOTHER chance at a home, it still showed XXXX XXXX on my report, that I am DECEASED and the account has been closed since 2015. The only info I have on this account is in the report, with the number of the account as XXXX ... ... I need this off my report! Otherwise I am never going to be able to qualify for the FHA loan! It is now the second week of XX/XX/XXXX and I am getting very frustrated with the whole system. I am going to try to contact XXXX XXXX again to see if I can get anyone that can help and understands what I'm talking about. I am so upset that I might lose my chance at this house!
Consumer complaint received 2019-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

Ive reached out to ERC several times in writing requesting validation for the debt, Each time they send me back some documents that does not explain or validate the debt. I called and spoke with a representative and they told me that this is from an account in 2007 with XXXX. I explained to them, Ive never had this provider and they did not have any suggestions to fix this issue.
Consumer complaint received 2019-08-12
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. (PA)

I'm having a problem removing fraudulent information from my credit profile, that is recorded with experian, XXXX, and XXXX. I was XXXX in XXXX for seven years and some used my information please have it all removed. XXXX XXXX XXXX XXXX XXXX, acct # XXXX, address : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX , acct # XXXX, address : XXXX XXXX XXXX XXXX, XXXX , VA XXXX. And there are about 5 inquiries on my report that arr fruadulent. Proof of my release and copy of ID with correct a dress is attached to this document.
Consumer complaint received 2019-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

My mortgage company is refusing to close an escrow account that is not required by the loan agreement. 

After speaking with them by telephone three times and submitting a request on their website requesting clarification and documentation as to why my request to close my escrow account was denied, Caliber has provided no proof that an escrow account is required for my loan. In summary, in a letter dated XX/XX/XXXX, Caliber denied my request to close my escrow account due to the reason " Your loan has lender placed insurance or an outstanding lapse of insurance coverage. '' My loan does not have lender placed insurance ( although it previously had ) and has never had a lapse in coverage. Caliber agents advised by telephone that, despite the denial letter 's reference to the current status of the loan, the denial is based on XXXX XXXX 's requirement that any loan that has EVER had lender placed insurance or a lapse in coverage have an escrow account. This directly contradicts the reason given in the denial letter. When I asked the Caliber agents to provide written documentation of guidelines used to deny my request and which supports their contention regarding XXXX XXXX requirements, they were both unable to so, directing me instead to do my own research on the XXXX XXXX website. When I made a written request via Caliber 's website for clarification and documentation, I received only a one-line response ( " Our records indicate due to a lapse in insurance coverage in XX/XX/XXXX there was a lender place insurance policy opened for your property. Due to this having occurred your request to remove the escrow account was denied due to the lender requirements. " ). This response failed to provide an explanation for the discrepancy with respect to the denial letter or proof of lender requirements.
Consumer complaint received 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (CA)

my fed loan servicing account have always been in good standing because Ive had it on either burden forbearance or deferment since I finished school while I am attempting to find employment yet in 2016 prior to the deferment expiring I submitted and called and was assured fed loan received my renewal for debt burden forbearance/deferment but months later I noticed my credit report shows I was late in 2016 XXXX, XXXX and XXXX which I wasnt Ive never made a payment yet Ive always kept my account in good standing by filing the necessary documents to keep it in deferment Ive tried several time to fix this directly with the creditor FED LOAN SERVICING. My account says it all years Ill kept it in good standing with either burden forbearance or deferment theres no reason for me to let it go in bad standing especially if Ive never made a payment which thats the only reason someone account will become in bad standing logically not for not submitting free documents to keep account in good standing I WOULD LIKE THESE LATE PAYMENTS WHICH WERE REPORTED TO THE CREDIT BUREAUS DELETED AND CORRECTED AS NEVER LATE BECAUSE ITS THE TRUTH
Consumer complaint received 2019-08-12
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. (SC)

The credit card company XXXX XXXX XXXX has sold my account to a collection company.The company had fraudulent charges on my report they was deleted from my report but the original company is still on my report and has reported inaccurate information and dropped my score 47 points the credit bureaus will not help in get the inaccurate information off my report all because there is a XXXX balance showing
Consumer complaint received 2019-05-16
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)

I recently applied to refinance my car and I got denied. I don't understand why I would be denied because my income and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand how this could happened but these items are not mine and they all need to be deleted from my credit report. Chapter XXXX Bankruptcy, Chapter XXXX Bankruptcy, XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, US DEP ED, DPT EDXXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, DPT EDXXXX, XXXX XXXX XXXX. INQUIRIES : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.
Consumer complaint received 2019-05-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: GREAT LAKES (CA)

Dating back 3 years when i stopped attending the University XXXX XXXX because trouble of funding to actually attend their classes. It wasn't until earlier this year I found out XXXX was found guilty by the department of educations of fraudulent loans. My question here today is I get emails about still making payments when i keep delaying because i am currently not enrolled in school.
Consumer complaint received 2019-05-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Credit Service, Inc. (TX)

I received a voicemail message Thursday, XX/XX/2019 at XXXX XXXX  from a man who did not identify himself but said he was calling on behalf of XXXX XXXX with ARA, Inc. He left the number XXXX and extension XXXX for a return call and included the case #. When I returned the call to inquire about the purpose of the call he said that it was about a XXXX  [ which I do not have, nor have I ]. When I told him I don't have one he said that I do and then started listing off the last 4 of my social, large portions of other credit card numbers and said that I would soon loses access to these cards and to my bank account ( s ). When I tried to verify the phone number to give to my attorney he  accused me of using stall tactics. When I asked again to verify the phone number for the attorney, he hung up on me. I called my credit card companies directly to inquire about my accounts and was assured that all was in good standing. I feel that I was threatened over monies I can not owe.
Consumer complaint received 2019-05-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (OH)

In the last 24 hours I have received seven ( 7 ) calls from synchrony bank ( XXXX ). On XX/XX/XXXX at XXXX, XXXX, XXXX, XXXX, and XXXX. 
On XX/XX/XXXX at XXXX and XXXX. It has been very disruptive to my day. They have not left a single message even though a voice mailbox is set up. I told them on the XXXX call on XX/XX/XXXX to stop calling as I feel like thats borderline harassment and not within the appropriate confines of collecting or informing of a debt.
Consumer complaint received 2023-08-24
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. (TX)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (FL)

I am in the middle of reporting the XXXX XXXX to the Florida Department of Health due to possible fraud. Multiple Loans were applied and I am a XXXX XXXXXXXX and was not aware. I contacted the lender that that was charged with services I received and because I wasn't aware they reported me to collections. I made payment arrangements while awaiting for the XXXX XXXX new office manager to correct the issue. My XXXX  claim from XXXX XXXX was not sent to my Medicare XXXX plan and they had no idea. I signed forms at the office assuming that it was just in an house co payment and several lenders were contacted without notice. I am on a fixed income and mailed letter to one of the lenders to bring the charges back in house so I can pay them and they denied even after explaining the situation. The lender is Alphaeon. Please assist with getting negative reporting off my credit while waiting for the XXXX XXXX to assist me since they don't want to get in trouble.