davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (TN)

Phoenix Financial Serv has placed an account on my credit report showing opening date of XX/XX/2018. Never heard of this company nor have I received any written notice in mail to dispute which is a requirement per law. Now that it is tax time, it has magically appeared on my credit without any notice violating my rights as a consumer. I have researched this company and there is NO valid license to this company nor bonded in the state of TN, which is also a requirement to collect on a debt in state of Tennessee. Furthermore, they have not sent me anything in mail as the Fair Debt Collection Practices Act requires within the 5 day time frame notifying me that this account was placed on my credit reports. It has been 15 days since this account was placed on my credit files and nothing in mail but the credit agency is showing reported XX/XX/XXXX, so over 2 mths. I would like this removed from my file once and cease and desist also. I will contact the Attorney General as well Federal Trade Commission in regards to this unethical practice, I have already sent this information to state of Tennessee for illegal collection activity in the state.
Consumer complaint received 2022-06-20
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. (AL)

After reviewing my credit report I have noticed a number of inquiries and accounts that has been opened in my name fraudulently. 

Those accounts are XXXX {$590.00} open on XX/XX/XXXX account number XXXX XXXX XXXX {$660.00} opened on XX/XX/XXXX account number XXXX XXXX  {$2300.00} opened on XX/XX/XXXX account number XXXX XXXX XXXX {$860.00} opened on XX/XX/XXXX account number XXXX The following inquiries have been opened in my name that were not done by me. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am a longtime customer of Capital One and had never been late. I set up an Auto Pay with a personal bank but the bank mailed a check monthly which made me late. This has been going on for months. On my phone I set up a Notification request in case if any issue with my account. I never ever received a Notification from Capital One as required by Notification selection. So, the late as accumulated and suddenly after the total has reached over {$400.00} dollars then again without notification they charged me. I had to immediately scheduled that payment and XXXX payments : XXXX of {$70.00} dollars and another of {$100.00}. I have been a good customer and never late. Capital One reported my lateness to all 3 Credit Bureau Agencies, which caused my credit to crashed up to XXXX points. I contacted them and they told me that they understood my concern and would have to contact the credit agencies, which I did immediately. The bank should have contacted me based on my notification setting in their App and not wait until my fees had reached over {$400.00} to placed me on as being late with the credit agencies.. It is not fair to us consumers. Now I am XXXX war XXXX Vet with no acceptable credit to do anything for my grand children.
Consumer complaint received 2023-08-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (OK)

XX/XX/2023 : Opened account on XX/XX/2023 as part of a promotion offering XXXX XXXX XXXX miles upon completion of ( XXXX ) XXXX minimum direct deposits and ( XXXX ) a minimum spend on the card within 90 days ( by XX/XX/2023 ). Promotion code was XXXX. 

XX/XX/2023 : Met the minimum spend requirements on the promotion. 

XX/XX/2023 : Met the minimum direct deposit requirements for the promotion, entitling me to XXXX miles by XX/XX/XXXX ( 30 days after completing requirements ) at the latest, according to the terms of the promotion. 

XX/XX/2023 : Still hadn't received the miles. 

XX/XX/2023 : Emailed customer support requesting the miles. Recieved no response. 

XX/XX/2023 : Contacted customer support by phone. Agent verified I had completed the conditions and said I would get the miles within 5 business days. 

XX/XX/2023 : Still hadn't received the miles. Contacted customer support again. Agent confirmed I had met the conditions and said he would open a case about it. 

XX/XX/2023 : Received account notice that " we are unable to provide the status on fulfillment of the promotion... you would need to allow up to 90 days from the date of satisfying the terms of the promotion to receive the incentive '' ( the terms and conditions of the promotion offer said I would receive the miles within 30 days, not 90 as this letter claims ). 

XX/XX/2023 : 90 days have now passed since opening the account, and the promotion window is closed. I still haven't received the miles, nearly 60 days after completing the conditions, and after XXXX attempts to work with customer service, so I am submitting this complaint.
Consumer complaint received 2022-08-31
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. (CA)

All my life I have maintain the morals of never borrowing money. I pay cash for everything I want or I will simply not buy it. when I decided to pull my credit report I instantly noticed a number off closed accounts that I did not recognize. these accounts on my credit report are fraud and were not created by me by any means. every account I stated is fraud. I did not authorize these accounts to be created and I demand they be removed immediately. I am willing to move forward with any legal actions need be to clear these fraudulent accounts off of my credit report. I also noticed that on each credit report my name did not include the XXXX. these fraudulent accounts have been negatively impacting my credit score with put my knowledge for years now and the have to be removed now. I reached to the companies and they never helped resolve these accounts. this is over {$4000.00} in debt that i didn't create and its is unfair that this is reflected on my credit report that I've worked so hard to keep clean.
Consumer complaint received 2018-12-12
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: EQUIFAX, INC. (MI)

I have sent 4 dispute letters to XXXX XXXX to update or remove inaccurate information from my credit profile, and they have not did there due diligence in this process, meaning they are getting results back in less than a week, proves to me that they are not following the FCRA guildlines and just using the XXXX XXXX, and not letting a letting a human actually do there job. They have yet to send me documentation on how the investigation was complete and proof of documentation from the original creditors in question. I have asked for this information several times with no results, they probably are use to consumers just saying forget it but not me. they need to be held accountable for not following the laws and making there own rules. they hoped I would just go away but guess again.
Consumer complaint received 2022-06-20
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)

in accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-20
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: Experian Information Solutions Inc. (TX)

In accordance with the fair credit reporting act XXXX XXXX Bank Account # XXXX ; XXXX XXXX XXXX, XXXX Account # XXXX ; XXXX XXXX XXXX, XXXX Account # XXXX ; XXXX XXXX XXXX Account # XXXX ; XXXX Bank XXXX Account # XXXX ; XXXX Bank XXXX Account # XXXX ; XXXX Fed XXXX BK- XXXX An Account # XXXX ; XXXX Bank SS Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-20
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: Experian Information Solutions Inc. (PA)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, and XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-08-17
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. (NJ)

Hello, My self XXXX XXXX XXXX SOCIAL ending with XXXX. Date of birth is XXXX XX/XX/XXXX. 
There is showing XXXX XXXX XXXX credit card account on my Social number. but I never applied for XXXX credit card. 
I was not in united states from XXXX XXXX to XX/XX/XXXX. 
I just checked my credit report and I came to know that there is XXXX XXXX account is open. 
I would like to remove that activity from my account because it is affecting my credit score and company 's credit.
Consumer complaint received 2018-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

I reviewed my credit report and notice that in my XXXX account number XXXX was past due 30 days in XX/XX/2017, i believe i always made the payments on time, most likely the monthly statement did not get to me on time.
Consumer complaint received 2023-09-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (PA)

I applied for an IDR through studentaid.gov last month at the end of XXXX. I was told by studentaid.gov that my application was processed successfully and to expect payments around {$140.00} a month, with payments starting on XX/XX/2023. My loan provider, EdFinancial, has never corresponded with me to let me know that they received my application for IDR, and on their site there is no information to suggest that they have received or are processing my IDR request. 

On EdFinancials site all I see is that I have to pay almost {$800.00} on XX/XX/XXXX, which I can not do ( hence my need for an income-based plan and not the standard 10-year plan ). I've called Edfinancial 3 times since last week and have been given wait times exceeding 600 minutes. Twice the calls just dropped after about 3 hours.

I've left my phone number to be called back since last Thursday and have not received any calls from them. I feel very scared. I can not make these {$800.00} payments and I can not get in contact with anyone at EdFinancial. This feels like negligence and incompetence and I hope that filing a complaint here will do even the smallest of things for me and my situation. 

Thank you for your time and attention.
Consumer complaint received 2023-08-17
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)

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO. (NV)

i have an equity line of credit with chase bank since XXXX when my payments went from XXXX to XXXX they have been double charging me not posting my payments and charging me late fees without letting me know I'm late. I'm never late if i don't have the money handy i pay when i get my XXXX  check which is the last wednesday of the month and i have a 15 day grace period according to chase my due date is the 1st i  spoke to someone in XXXX who told me to pay XXXX and id be caught up then in XXXX XXXX and XX/XX/XXXX i received bills for twice my payment amount in XX/XX/XXXX i received a letterstating i owed XXXX if ididnt pay i would be put into collection or have my home foreclosed on on XX/XX/XXXX i contacted chase and spoke to XXXX XXXX and she told me i owed XXXX not XXXX if i payed that my next statement would read XXXX but i would only have to pay my XXXX on XX/XX/XXXX i received my statement and it said i owed XXXX i contacted chase again and spoke to a mr XXXX who said i only had to pay XXXX and id be up to date so i made the payment by mail they still have not posted my check from XXXX i ent out on the XXXX for XXXX.hope you can help with this problem
Consumer complaint received 2023-08-24
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. (CA)

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 2023-08-17
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

During the first week of XX/XX/2023, I called SPS and asked for my Re-Occuring ( ACH ) payments scheduled on the XXXX of every month to be removed as I will make the payment online myself. So, I made my payment online on XX/XX/XXXX or so. The next thing I know is SPS also deducted my monthly mortgage payment from my bank account, so I was charged twice for the same month. I had no choice but to call my bank to reverse the payment. Then, SPS considered this as an NSF on my payment history for the month of XX/XX/XXXX XXXX  ( this is not fair ). 

Ironically, the same exact thing happened again in XX/XX/ ( my bank account was debited twice for the same payment. Although, I did call during the first week of XX/XX/ and advised SPS to please cancel my SUTO pay. 
I requested an investigation by their Customer Advocate Team and the results were not acceptable. Does SPS claim that they have no record of me asking for the Autopay to be canceled? really? why would I make a payment knowing that I have Autopay scheduled?
Consumer complaint received 2019-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I have contacted this bureau numerous of times to remove these unauthorized hard inquiries. They have not responded back to me regarding this very important matter. They are not cooperating and its very frustrating that this bureau is reporting inaccurate information.
Consumer complaint received 2019-02-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

I had a Mortgage with XXXX XXXX with no escrow account. XXXX XXXX sold my Mortgage in XX/XX/XXXX to XXXX which now changed their name to XXXX. 

I was and still am paying my own Taxes, & private Home owners, Wind, & Flood Insurance. My Condo association also pays Master Flood and  Hazard insurance. It is included in my Fees. I have given both XXXX XXXX and XXXX Proof of renewal for all policy that I pay in full. XXXX   XXXX and I agreed to that and everything was fine Now here comes XXXX! 
Everything was fine for 8 months I emailed them proof of insurance renewal that is paid in full. They send me a letter I need more Flood Ins.  Fine I purchased more Personal flood insurance Paid in full to satisfy their demand of {$44000.00} My personal flood is paid in full by me until XX/XX/XXXX. I sent them proof and they sent me a letter that it was accessible to them. I have the Letter. 
They now say They are going to open an escrow account and they now added {$160.00} to my Mortgage. This is unacceptable I am XXXX years old and do not need to or will I be bullied by these predators. I will email you the documents. 
XXXX XXXX XXXX
Consumer complaint received 2019-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (MI)

I set up for auto pay since the beginning of my lease and they had my incorrect address and phone number they I have statements proving that they take the money from my account and then they have me late as three payments that dont make sense and Im reporting for one month I called them numerous times and they keep telling me to dispute it with the credit bureaus but thats not helping and I brought my credit score down for in accurate information they will
Consumer complaint received 2023-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

I have sent 2 separate VALIDATION of debt request, and the company failed to provide the documents I requested. I requested documents in writing with specific instructions, which the company refuses to produce. The company can also not validate the consumers DOB or SS #. I have asked for information which the company must not have and can not provide. If the company does have this information, and can provide it they have refused. I am asking the CFPB to interject here and force the company to produce the documents, validate my ( the consumers ) DOB, SS #, and provide any instrument which clearly shows the consumers signature. I am also asking the company provide COMPETENT proof of the debt in question. In addition I am asking for legal proof the company has the right to collect this debt.
Consumer complaint received 2023-08-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (FL)

My federal student loans were transferred from Great Lakes to Nelnet in 2023. On XX/XX/2023, Great Lakes informed me that the balance that would be transferred would total {$78000.00}. When I checked the Nelnet balance in XX/XX/2023, the total under the account was {$78000.00} which is different from the balance that I was told in XXXX.
Consumer complaint received 2023-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2024-10-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (AL)

I am writing to dispute a fraudulent account that is being reported by Midland Credit Management for XXXX XXXX  on my credit report. I have no knowledge of this account, and I did not open or authorize it. I believe this account is the result of identity theft. I request that Midland Credit Management and XXXX XXXX  cease reporting this account and remove it from my credit report as soon as possible. 

There are multiple accounts for XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX There are two accounts listed on my credit for Midland Credit Management XXXX and XXXX I am currently taking steps to protect myself by completing the identity theft report and a police report. Please provide confirmation that this account will be removed from my credit report.
Consumer complaint received 2023-08-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BMO Bank, N.A. (CA)

I was given a deferment during covid. I ended up paying it off and then was offered a forebearance. I did not need it so I did not accept it. They processed it anyway and took out more credit on my already maxed out HELOC and then said I owed them this additional money that I never used or approved of. I was never able to speak to anyone about this issue despite me calling at least 100 times over the past 3 years. No one can explain what happened but they are still charging me for this " deferred interest '' along with multiple other charges that no one can explain to me. I got behind on my payments again and because they were reporting me as being late to the credit bureau, I was not able to take a loan out to catch up on my payments. They claim that payments that are in dispute are not owed until the dispute is finalizes but then I get served with foreclosure papers unless I pay {$8700.00} which includes the deferred interest along with my payments that I fell behind on plus their lawyer fees for the foreclosure. I ended up curing the delinquency and now they refuse to provide me with any written confirmation that my house is no longer in foreclosure or that my delinquency has been paid. All I have is my receipt from the branch of payment which is not sufficient because I keep getting harassed by people wanting to buy my house or save it from foreclosure.