davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-28
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. (GA)

I have many attempts to resolved matters with 2 fraud accounts reporting on my credit report and incorrect account information and inaccurate late reportings to no avail. Please assist in getting the following incorrect information removed from my credit report. I have been dealing with this matter for many months. 

Please assist me in removing the following items from my credit reports : Fraud Accounts : Unknown accounts on XXXX - Acct # XXXX & XXXX Inaccurate late reportings : XXXX, XXXX XXXX, XXXX XXXX on XXXX, and XXXX Unauthorized Inquiries : XXXX, XXXX, XXXX, XXXX of XXXX, XXXX XXXX of XXXX, XXXX XXXX XXXX, XXXX, XXXX,
Consumer complaint received 2019-01-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (TX)

This company continues to viciously attack me with no proof of any debt that supposedly stem back from XX/XX/XXXX- almost 7 years now for the amount of {$1300.00}. I have filed a police report and have retained an attorney against this Collection Agency- Commonwealth Financial , which have been sued over 77 times already AND LOST. This company needs to be shut down. According to the FCRPA, they are to prove such alleged debt with Validation NOT verification witch include an itemized break down of services that were supposedly rendered and not just a statement of random of amounts. I have never lived in XXXX XXXX, Nevada or have been there. The so-called dates of service are from XX/XX/XXXX-XX/XX/XXXX This company continues to ruin my credit standing and arbitrarily post and file reports on my credit reports. This company should not have access to my Social Security number in the first place. This company keeps accusing me of unpaid debt! I viewed a statement that was sent to me by Commonwealth Financial from a provider in XXXX XXXX Nevada, and this so-called original creditor is based out of XXXX XXXX Nevada! All previous allegations by this company have been removed ; nevertheless, they continue to erroneously post alleged debts! I need this resolved immediately!
Consumer complaint received 2019-01-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MA)

XXXX XXXX has had my account for more than a year for the Public Student Loan Forgiveness Program. As of today ( XX/XX/XXXX ), they still have not provided me with how many qualifying payments I have. I have made repeated requests, and they still will not provide me with an email or response via mail. I recently became unemployed and they provided me with incorrect information and advised me to put my loan into Employment Forebearance. My loan should have stayed in the IBR plan with a {$0.00} amount due so I would still get credit for a qualifying payment ( this information was provided on XX/XX/XXXX ). When I spoke with customer service on that date I was told I had either 48, 54 or 57 pending qualifying payments. After a year, they still don't have a set number. I then called back on XX/XX/XXXX, XX/XX/XXXX ( after hearing back from my local attorney general 's office I was told to keep the loan in the IBR and requested it ), XX/XX/XXXX and XX/XX/XXXX. Each time in XXXX that I called I wrote down the employee 's name and ID ( they didn't want to give it to me ) and requested an email or letter stating what I requested. The employee told me they would send one but I have yet to receive anything. I have even spoken to supervisors with no recourse. At this point I have no choice but to put my loan into forebearance and lose out on qualifying payments. Their customer service is so confrontational that they make me physically and emotionally ill!
Consumer complaint received 2019-01-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

I am a military member in the XXXX XXXX. My military benefits include {$50000.00} of student loan repayment. I have GATE loans with AES/PHEAA as the servicing agency and XXXX XXXX XXXX XXXX XXXX as the lender. The XXXX paid {$5200.00} towards my Gate loans in XX/XX/XXXX and {$5300.00} in XX/XX/XXXX. These payments go towards principal. I still have four more years of those payments plus one additional year of partial payment of approximately {$2500.00}. 

I have been trying unsuccessfully to change my payment terms to interest only where there is a monthly interest payment. I WILL PAY THE INTEREST MONTHLY. Then once a year in the fall ( FOR 5 MORE YEARS ), the XXXX will make their government principal payment towards my loans. 

The reason for this is so that I do not have to pay back money that the XXXX will be paying on my behalf. AES has stated that XXXX XXXX XXXX XXXX XXXX have been non-responsive and/or will not grant my request. I have faxed them two different letters and have spoken on the phone countless times. I am an XXXX Veteran who has earned these military benefits. The fact that these companies will not work with me to allow me to use the benefits is unacceptable. By changing my loan to interest only, the lender has the best chance of getting their money. 

I have attached proof from the last two years of the government payment. I also have attached my contract for Student Loan Repayment Program.
Consumer complaint received 2021-10-19
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: WELLS FARGO & COMPANY (NY)

please review the following accounts that appear on my credit report, without any authorization, do not belong to me. 

Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft WF/XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 
XXXX XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2022-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation (GA)

For Fortiva Card Services, this debt was settled via my representative XXXX XXXX XXXX. The credit card debt with Fortiva MastercardXXXXXXXX XXXX XXXX XXXX is still showing a balance owed, even though the debt was negotiated and settled/paid. The balance on my credit reports is showing {$1700.00}, but at the time of settlement negotiation, the balance was only {$610.00}, and an agreement was reached to settle the account for {$330.00}. An ACH payment was submitted totally {$330.00}. Here is the payment information : Payment ID # XXXX ; XXXX # XXXX ; Amount {$330.00}. Payment was submitted via XXXX XXXX XXXX. I have sent a certified letter to Fortiva om XX/XX/2021, requesting they correct the account on my credit reports ; the balance should be zero. The letter was delivered and signed for on XX/XX/2021. I'm requesting the account be deleted from my credit reports. I have not received a response. A copy of the debt settlement email is attached and a copy of the certified letter sent to Fortiva is attached.
Consumer complaint received 2019-01-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CT)

At the end of XX/XX/XXXX, XXXX XXXX transferred my mortgage to Bayview as my new mortgage servicer. On XX/XX/XXXX I received a Transfer of Service Notice from Bayview. 

I missed the XX/XX/XXXX mortgage payment and made a payment arrangement with XXXX to pay {$2400.00} per month from XX/XX/XXXX through XX/XX/XXXX. Please see attached XX/XX/XXXX letter from XXXX. It is my understanding that the payment arrangement that I made with XXXX would follow over to Bayview. I sent a copy of this letter to Bayview on XX/XX/XXXX. 

I have been paying a month behind because I only get paid once monthly at my job. By the month of XXXX I should be able to start paying within the month. For instance on XX/XX/XXXX I paid for the month of XXXX in the amount of {$2500.00}. I get paid next on XX/XX/XXXX and will pay the amount of {$2500.00}, which should be my last payment of {$2400.00}. I have notified Bayview of this.

Every statement I have received from Bayview has a different amount. I have called Bayview several times trying to straighten out my loan. Every person at Bayview that I spoke to has told me a different amount that we owe and a different story. Yesterday I received a notice on my house door to call Bayview.

I spoke to Bayview today and the woman I spoke to said that the payment arrangement was broken. I was never told that. Where is all the extra money I have been paying going to?
Consumer complaint received 2019-01-16
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: CITIBANK, N.A. (IL)

Opened a dispute XXXX at which Citicards provided me a conditional credit and sent the Vendor a letter seeking more information. The Vendor sent a copy of the contact which CLEARLY states the contract date, cancellation policy but citicard 's policy is to reverse the credit pending investigation. I sent them the contract and letters from the vendor agreeing to the credit and called many many many times but they keep telling me there is no way to talk to an investigator and someone will call me back. The Vendor is  refusing to refund the money because there is an existing dispute with the bank. Now, I can't get a credit from the vendor or credit card company. 

I signed a contract for solar installation with XXXX XXXX on Thur. XX/XX/XXXX, the contract clearly indicates that there are 3 days right of cancellation. I left a message to the sales person ( XXXX XXXX ) on the Monday XXXX XXXX requesting that we cancel the existing contract. After not hearing back from the XXXX, I sent him an email CCing account and also sent a registered mail officially requesting cancellation : XXXX XXXX XXXX XXXX. On Wed. XX/XX/XXXX I contacted my Credit Card company requesting a refund followed by at least 20 phone calls, but keep getting the run-around. The cancellation is  clearly within the 3 day XXXX XXXX consumer Rights protection stating : ( 4 ), you have 3 business days from the time you sign your contract to cancel any contract if the sale is made at your home. The contractor can not deprive you of this right by initiating work, selling your contract to a lender, or any other tactic. 

I have been waiting for my refund since and the vendor is not very keen on refunding my deposit. I kindly request the refund of my deposit.
Consumer complaint received 2021-01-13
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Thaxton Investment Corporation (OK)

Continued daily calls and messages all day to me and my family contacts and work contacts. 

I told the lady to stop calling. I will pay what I owe on XXXX2021 the full amount due.
Consumer complaint received 2022-02-24
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: Experian Information Solutions Inc. (NY)

Sent to each credit bureau the following A copy of my credit report I received from them. The fraudulent items listed.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires them to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Consumer complaint received 2019-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MN)

I have been a victim or online Identity theft since XXXX. I have been working with XXXX   and Equifax to remove credit reports that are not mine. XXXX  successfully removed a student loan and XXXX XXXX XXXX debt that isnt mine on XX/XX/XXXX. Those credit report has now shown back on my credit report. Equifax has not been cooperating. They are so hard to communicate with, even tried calling many times, the wait was long. And the people were not reasonable or helpful. It has cause so much issues and spent so much money on credit repair company 's.
Consumer complaint received 2019-08-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (GA)

I have been trying to get a modication for over a year with Loancare , LLC. The XXXX XXXX XXXX XXXX ( XXXX ) has been relentless in submitting all the necessary documents repeatedly. Some documents were submitted up to five times ( the same documents ) only to get turned down four times for no apparent reason. I am in need of assistance in saving my house. Thank you for your favorable response.
Consumer complaint received 2022-01-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American First Finance, Inc. (LA)

On XXXX XXXX I received a collection notice from American First Finance in regards to a collection account in the amount of {$730.00} and while I have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system. 15 USC 1692k CIVIL LIABILITY consumer is requesting {$1000.00} USD for violating me directly and causes of mental confusion and stress.
Consumer complaint received 2019-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6600.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$35000.00} -This is not my account. 

4. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$100.00} -This is not my account. 

-- AUTO ACCOUNT -- 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$16000.00} -This is not my account.
Consumer complaint received 2023-03-27
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. (GA)

My most recently reviewed consumer report, there are unverified accounts listed. I have received mail from various companies seeking to collect an alleged debt on behalf of another company. I have never heard of nor done any business affiliation with them. I requested VALIDATION of the debt which was not provided. It is absurd that this company put something like this on my credit file. I found that to be odd because the credit bureau is to report nothing but accurate information about me. So how are they supplying information to the credit bureaus about me when they have not provided me with validation. 

I am requesting the following ; Show me how you calculated what you say I owe. 
Copies of signed documentation that show I agreed to pay what you say I owe. 
What bounds me to you? 
What kind of business dealing have I done with you? 

As a reference, please see the below accounts in question that must be REMOVED : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX - Here is what the law states about investigations : 623. ( b ) Duties of furnishers of information upon notice of dispute.

( 1 ) In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 611 ( a ) ( 2 ) [ 1681i ] ; ( C ) report the results of the investigation to the consumer reporting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and which compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly : ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information.
Consumer complaint received 2021-10-19
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP (CA)

Hello I just visited US Bank on XXXX XXXX in XXXX XXXX Im very upset because I tried to open an account online and it said it would be successful pending identity verification I came to the place in person and a security guard was very rude following me around and once I talk to the bank teller she told me that I had an account closed on XXXX Of 2021 the bank teller was very rude and they refused to open an account with me she refused to provide an account number and I will not recommend this to any of my friends
Consumer complaint received 2022-01-21
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 have errors on my credit file and the credit reporting agencies are ignoring my request for removal. There have been several letters sent to them so far and there has been no movement. I should not have to call to correct them especially when I am sending certified proof in letter form of what the errors are. Several accounts and inquiries are listed and do not belong to me per 15 USC 1692 ( g ) Validation of Debts must be removed. I do not take owner of accounts and they are not mine please remove.
Consumer complaint received 2022-01-21
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. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2019-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (NC)

I had opened and funded a new online choice checking account with HSBC in XX/XX/2019, following a link on their main page that qualified you to earn a bonus of {$200.00} if you used a link on their landing page and maintained a deposit of {$1500.00} or more for 3 consecutive months. 
The bonus amount was to be credited to my checking account within 8 weeks of the 3 month threshold. When I checked in late XXXX after I had satisfied the bank 's requirements fully, I didn't see the bonus amount credited. I chatted with their online chat rep and she confirmed after reviewing and researching my account details and history that I had met the requirements and should have received the bonus. She told me she's logging a ticket to get this issue resolved and I should see the bonus deposited in 5-7 business days. I again checked after 10 days and still didn't get my bonus amount. I called their call center in mid XXXX and the rep logged another ticket and told me we should have an answer in 3 days or less. I checked after 5 days and still no change. I called their call center again on XX/XX/XXXX and they advised me they don't know what has happened and the rep who opened the ticket will be the only person who can provide the status. After long wait, I got a call that I will not be getting the bonus because I didn't use the " right link '' from their landing page. 
I think this is a flimsy excuse with no backing facts to deny the bonus, when all this while over 6 months I wasn't made aware that I would not qualify. I feel like HSBC was not transparent, they cheated and defrauded me while holding on to my funds for over 6 months. I am sure, I am not the only consumer who is facing this situation, there might be 100s or even 1000s more who fell in this trip where HSBC can conveniently deny the bonus amount on flimsy grounds leaving consumers stranded while holding on the free capital in hundreds and thousands of dollars, i.e., free money. I have initiated withdrawal of all my funds and will be closing my account in the next 1-2 days. 
This amounts to a fraud in my opinion and HSBC should be investigated to see the depth of financial crimes in this case.
Consumer complaint received 2019-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (DE)

I have been discussing my loan and how it is ( unfair ) with Rushmore. I have sent letters, emails and talked to several people. But nothing seems to work. I bought my house more than 15 years ago and with a downpayment of XXXX I have so far paid nearly XXXX. Now my principal is at XXXX which apparently goes up every month. I tried to reach out to them to see if they would reduce this but they have refused because it is not to the interest of their investor! Who is their investor? Why don't they try to let people keep their only home instead of charging these fees and letting you lose brick by brick of your house. I get payoff letter but it is not clear. One says XXXX, one says XXXX and one says XXXX!!! So which one is it. 

Why does Rushmore treat its customers this way? There are dozens and dozens of complaints against this company which is no different than the ones before, XXXX, XXXX XXXX XXXX and XXXX. All crooks who are there to steal people 's assets. 

I am demanding a lower principal balance and a speedy resolution in this matter