davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is a follow up to case Your submission, [ Case number : XXXX ]. I have already submitted my paperwork showing the credit reporting done in error on my account # XXXX. This needs to be removed from my credit immediately as the correct procedure ( to protect consumers ) was not followed therefore reported to the credit bureaus in error. I received no response to my certified letter demanding a validation of what is " said owed ''. I do not owe this debt but if it is handled in the correct fashion and this removed from my credit, as it should have never been in the first place, I will pay the {$130.00}. Please reach out to me through email or fax with this expressed in writing and we will go from there. Once received in writing showing this was done in error and will be removed from my credit immediately, I will mail in a check. This is my final attempt before I seek legal counsel and move on from there to sue for the $ 1000+ damages done to my credit. Thank you
Consumer complaint received 2015-09-25
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: National Credit Adjusters, LLC (NY)

The caller XXXX from National Credit Solutions called my place of employment. I asked to remove the number and not to call my workplace and they threaten to call back again and then requested to speak to my supervisor. The gentleman was very nasty, rude and disrespectful when speaking to me over the phone. I simply asked not to call my work place and he continued to say that he was calling back again and threaten to speak to my supervisor. The number I was called from was XXXX
Consumer complaint received 2015-09-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (WI)

In 2009, I was informed by Citimortgage/Citibank via writing that they were foreclosing on my home. At the time I was several months behind, as the interest rate was 9.9 % as a result of ARM increase, and I could not make the huge payment. We tried to renegotiate and get back in good graces, but they would not budge from 9.9 %. We vacated the home, and they let the property sit for over 2 years, making us liable for taxes, maintenance, etc. and never followed through on the foreclosure with the Sheriff. The property was in limbo and I do n't think they even have paperwork as the loan was sold XXXX times in one year. They bore no responsibility financially for these expenses, forcing me into bankruptcy. I feel like they stole my home, my reputation ( resulting in job loss ), and my credit rating ... leaving me in shatters. There are still claims against us to this day ... and we can not seem to fight them off. Since then, I retrained my career, returned to employment, and we have rented a home closeby, and have been in good standing with the landlord for over 3 years. However, as I continue to reflect on what happened, I feel like laws were broken, and I was a victim.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This CFPB complaint has been filed to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the EXPERIAN Credit Reporting Agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. 

This fraudulent, inaccurate, and false information consists of the following : 1. Account opened at XXXX XXXX XXXX on XX/XX/XXXX XXXX. Account opened at XXXX XXXX XXXX on XX/XX/XXXX XXXX. Unauthorized inquiries : XXXXXXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX 4. List of inaccurate addresses : XXXX XXXX XXXXXXXX XXXX XXXXXXXX fl XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX fl XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. I have attached a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items. 

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2015-05-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (KY)

Since XX/XX/XXXX I have been in contact with Equifax to correct many incorrect items on my company 's credit report. My company name is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I requested credit reports on both XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I received credit reports for a XXXX XXXX in XXXX, and credit reports for XXXX XXXX XXXX XXXX in XXXX. Neither of these companies is mine, but I noticed my own company 's good credit items in the other company 's reports. This was true for both company names - XXXX XXXX in XXXX had my ( XXXX XXXX in XXXX ) good credit items, and XXXX XXXX XXXX XXXX in XXXX had my ( XXXX XXXX XXXX XXXX in XXXX ) good credit items. And of course my company in XXXX had many bad credit items from the XXXX and XXXX company. I have attached all of my correspondence to them. They have only responded correctly to XXXX of the XXXX or so incorrect items. My company has been in existence since XX/XX/XXXX. The XXXX company has regularly been confused with mine, but this is the first time I have been aware of the XXXX company.
Consumer complaint received 2015-09-25
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CO)

Requested Payoff from HSBS XXXX. They refused because of signature. Several attempts later we are still waiting on a payoff. Title Company faxed the request again yesterday with signatures. I faxed a signed request directly to HSBC at XXXX today as a dual request. The mortgage company does n't have either request on hand. While ALL of this is going on, HSBC is charging me MORE and MORE money every day. The law states 7 days for a payoff - it 's been a MONTH. I as the consumer can NOT refinance without HSBC providing a payoff.
Consumer complaint received 2015-04-28
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (FL)

I had a consumer car loan from Santander Consumer of XXXX for about twoyears. I paid off this loan recently, overpaying by XXXX payments, XXXX x XXXX = XXXX. 
Only after I stopped payment from the bank, did Santander inform me. ( Odd that they were very quick to tell me when I was one day late, by not two months paying when I didXXXX not need to! ). Instead of simply crediting my account they sent me a DEBIT CARD. I went to the bank they told me to go to, XXXX, but XXXX told me they could not help me, because XXXX I had to call. I called XXXX times, and finally on the last call I got through to someone who told me that they were just a service company, and NOT Santander. They said I had the wrong card number, and that I had to call the company, Santander, and ask them for a paper check. The problem now is that the SAME number is for both the service company and for Santander! Catch XXXX. I consider their scam is to get me to sign up for a credit or debit card ( now in my hands -- a debit VISA ) that I do not want, never asked for. HELP! Since when are companies sending overpayments back by issuing credit or debit cards? All they had to do was send me a check or credit my account. This is a scam. Please stop it!
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2015-04-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TX)

I filed XXXX XXXX Bk in XX/XX/XXXX that was successful completed and discharged in XX/XX/XXXX. All of the debts that were included in the bk were deleted from my credit report with the expectation of an entry made by XXXX ( was included in the bk and at the time was just XXXX ). I initially disputed this entry with Experian online and received a response that it was verified. I called Experian to get additional information was was told that my account was verified with the date of last payment made XX/XX/XXXX. Of course this was incorrect. I most definitely did not make a payment to this company during my bankruptcy. I was told that I needed to send in documentation to support my claim. I immediately mailed a copy of the debt schedule page, final account from the trustee, and discharged order. In my letter, I requested copy of the original contract, a complete payment history from XXXX, and vertification method. 
Today, I received from Experian the following which does not address the original incorrect reporting of this debt : An account included in a bankruptcy remains on the personal credit report for a maximum of seven years from the date bankruptcy was either filed or discharged. The bankruptcy itself, listed in the public record information section of the credit report remains for seven years from the filing date if it was a Ch XXXX, or 10 years from the filing date if it was a Chapter XXXX or XXXX. 
As a national consumer credit reporting agency we collect and store information from credit grantors and information available in public records following the guideline in the Fair Credit Reporting Act. 
When you use credit a record of your payment history is stored along with the respective account. The monthly payments leading up to a bankruptcy discharge tells the account 's history. Unless the history is inaccurate, it can not be deleted. Accounts included in a bankruptcy ( other than those under Chapter XXXX ) will no line indicate that a balance is owed. 

The account in question is currently showing : XXXXDate Opened : XX/XX/XXXXFirst Reported : Not reportedDate of Status XX/XX/XXXXRecent balance : XXXX paid as of .... 
Status : Discharged through Bankruptcy Chapter XXXX. This account is scheduled to continue on the record until XX/XX/XXXXComment : Account closed at credit grantor 's request. This item was updated from our processing of your dispute in XX/XX/XXXXAccount History : Debt included in Chapter XXXX Bankruptcy XX/XX/XXXX
Consumer complaint received 2015-09-25
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: GSI  Recovery, LLC (NJ)

Firstly-I moved in XXXX of 2015. My mail was not being forwarded properly. When I sorted it out I had a bunch of checks from my insurance company that were owed to XXXX and XXXX XXXX XXXX. I sent them the checks, along with my new address and requested that all further communication be sent to my new address. I am sure they received the letter because the checks were cashed. I never received a further bill from that office. 

Over the summer I was contacted by a collection agency XXXX GSI Recovery, LLC XXXX via phone explaining that I was responsible for a debt of {$730.00}. They said they had contacted me earlier, however I never spoke with anyone. I had never received a bill of any kind from my doctor or the collection agency. The collection agency had my previous address on file.I explained to the agency that my doctor must have neglected to update my address, even though I had provided them with it months ago. I told the agency I needed time to look into the charge and requested a hard copy of a bill so I could speak with my insurance company about it. I told him I wanted to correct the situation but needed the information to contact my insurance company to ensure I was responsible and not them. He told me that my only option was to pay then or he was reporting it to the credit bureau. I told him I could not do so as I had no indication of what I was being charged for and requested he mail me a bill to my new address. I never received a bill. 

This is now reflected on my credit report and I have never had the opportunity to even see what I was being charged for.
Consumer complaint received 2015-11-17
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION (FL)

In XXXX 2015 I reviewed my credit report from the XXXX credit agencies and found inconsistencies regarding medical debts. I wrote letters ( attached ) and Central Financial Control responded with inaccurate information. I am requesting assistance for Central Financial Control to validate these debts. I asked for information and it was not provided.
Consumer complaint received 2015-09-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I have been getting XXXX to XXXX or on some days more phonecalls from Portfolio Recovery. They call sometimes beginning at XXXX XXXX in the morning and sometimes after XXXX on a given day. My wife works XXXX shift and we do not need them to be calling us that many times. I feel that is Harassment!!
Consumer complaint received 2015-09-25
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL (TX)

I applied on-line for credit from CareCredit at a XXXX store in XXXX XXXX to cover emergency care expenses for a pet last year. The basic application required name, address, phone numbers, e-mail address, social security number, date of birth, housing info, monthly income from all sources. In addition must answer " yes '' if a joint application. 
Just below that section is a choice for statement delivery : either electronic delivery or paper statement. Up to this point all are blanks to fill in. But below the main application is an Ad for CardSecurity displayed in block form with dark background which appears not to be part of the application itself and with a heading in small print " Optional Card Security Enrollment Selection '' Below the Ad, it has XXXX options each with a small circle for selection :1. Learn more about this product and 2. I do not wish to enroll. It is very easy to miss. In other words you are automatically enrolled unless you notice and select I do not wish to enroll. That happened to me. Since it was an 18 month deferred payment agreement requiring only minimum monthly payments, and Auto pay was set up, I did not discover the accumulated charges of {$260.00} until this month, 12 months later.. We were being charged {$1.00} for every {$100.00} balance. And the auto payment was being applied to the deferred balance and not against the card security charge with an interest rate of 26 %.
Consumer complaint received 2015-04-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (TX)

This debt started and ended in XX/XX/XXXX. I had an employer stop payment on my paycheck and then the bank started accruing overdraft fees. I never even attempted to pay it, because the debt was going so high and out of reach. LVNV tried to put my last transaction date as XX/XX/XXXX ( never happened XXXX so I filed a complaint about them and they responded by saying they would remove themselves from my credit report. Now this Company " XXXX '' is trying to collect an 8 year old debt that started out as a fraction of the actual amount. I would like them to provide me with proof I have had anything to do with this account in the last almost 8 years.
Consumer complaint received 2015-04-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

This is the XXXX time this credit bureau has deth. report under my name and not belong to me. At some point someone is not doing their job properly. XXXX this credit bureau do not have someone available to talk to. there is a bill for {$1.00} listed under my credit report and not belong to me. no one is available to talk with customer at this credit bureau. They provide a number where they ca n't be reached.
Consumer complaint received 2015-04-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NY)

My Loan balance is incorrect, and I would like to request a hearing. This is a legal request that has to be given to me by the creditor of my student loan balance in which my account manager XXXX XXXX denied me. I will be speaking to my attorney on this matter. Also, his collection tactics were extremely rude, and unprofessional. I am being charged 13.12 % interest on an original balance that was not even specified to me with the form I will attach to this message. All that was specified to me is that I paid {$4500.00} in interest, and {$680.00} on my principal. My loan was around {$4500.00} when I initially started the loan. I know Navient collection agency is trying to rip me off because they say the loan is in default. I have proof that I have been paying the loan pretty much every month since 2010. Please help me.
Consumer complaint received 2015-04-29
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (IL)

On XXXX/XXXX/2014 I entered a contract with GE Capital Retail Bank to finance {$430.00} with no interest if paid in full within 12 months. 
I have record of payments made on XXXX/XXXX/14 for XXXX, XXXX/XXXX/14 for XXXX, XXXX/XXXX/14 for XXXX, XXXX/XXXX/14 XXXX and XXXX/XXXX/14 XXXX. Synchrony Financial bought the contract without my knowledge and began sending bills in XXXX 2014, and late payment fees continuing to present date at a current balance or {$220.00}. 
I owed {$430.00} within 12 months and repaid XXXX within 5 months. Synchrony Financial has also destroyed my previous credit score XXXX to currently XXXX. I have tried to reason with them with no success.
Consumer complaint received 2015-04-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ProCollect, Inc. (TX)

I offered to pay my debt in payments due to my income from XXXX ( {$840.00} ). They told me I had XXXX days to pay it off ( {$1600.00} ) or it would remain on my credit for life. XXXX the account specialist who has my account notated me as refusal to pay/attempt to pay even though I telephoned them. I contacted the management company that filed this and the apartment complex and they were unable to give me any kind of information to help me resolve this matter. They do not have my information from when I lived there.
Consumer complaint received 2016-03-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (FL)

Nationstar perpetrated fraud in a foreclosure action against me, and they committed tax fraud. I consented to pay {$650000.00} which was the amount Nationstar last showed was my " unpaid balance '' but in court they slipped a different " Consent '' order that was inflated by more than {$350000.00}. 

Not only that, but Nationstar then send me a XXXX, cancellation of debt for {$80000.00}.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2015-09-25
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (TX)

Hello, I would like to file a complaint against US Bank. I have been attempting to work out a short sale with US Bank for almost 3 years and I have lost multiple purchasers due to the amount of time that it has taken to get FHA approval. The first offer that I received was on XX/XX/XXXX and was for a few thousand dollars less than what the asking price was, but was not enough to cover all of the cost to sale the property free and clear. Unfortunately, I was not in a position to cover the difference to make the deal happen. With the offer that I had, the bank would have received a couple XXXX less than their payoff. The XXXX offer was very similar to the first and the bank took so long to review the short sale offer then after six months, the purchaser moved on and purchased another property. This has been the normal behavior of the bank over the last 3 years. Over the years, the delinquent amount has continued to grow and the property value/offers being received have decreased causing a larger deficiency. It is my hope, by filling this claim that I will finally be able to get the short sale completed. I would also like to get a waiver of deficiency if possible. 
1st Contract - XX/XX/XXXXBuyer XXXX XXXX - Buyer Terminated/walked2nd Contract - XX/XX/XXXXXXXX XXXX XXXX - Buyer Terminated/walkedATP ISSUED XX/XX/XXXX DEADLINE XX/XX/XXXX3rd Contract - XX/XX/XXXXXXXX XXXX XXXX and XXXX XXXX XXXXApproval XX/XX/XXXX - Buyer terminated at Inspection4th Contract - XX/XX/XXXXXXXX XXXX and XXXX XXXXXX/XX/XXXX Short Sale Approval - Buyer terminated at Inspection5th Contract - XX/XX/XXXXXXXX. - Buyer Terminated/walked6th Contract - XX/XX/XXXXXXXX XXXX - Buyer Terminated/walked7th Contract - XX/XX/XXXXXXXX XXXX XXXX - Buyer Terminated/walkedApproval - XX/XX/XXXXATP - XX/XX/XXXX - XXXX8th Contract - XX/XX/XXXXXXXX XXXX XXXX - Terminated because he was waiting for 5 months9th Contract - XX/XX/XXXXXXXX, XXXX. - XXXX XXXX XXXX - Active Purchase Contract