davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (NC)

There is a debt on my credit report from a company who owned and rented an apartment to my ex boyfriend. I was only ever a roommate. I moved out of the apartment and for at least 4-5 months him and his wife were living there. Well the ended up being evicted and now the debt they owe is on my credit report. The manager knew I had moved and was no longer staying there.

It's over a 2400 $ debt that I had no knowledge of and was not living there to acquire.
Consumer complaint received 2018-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My husband and I recently reviewed our credit reports and found in accurate reporting of Late Payments of our auto loan payments to XXXX. The dates reported late are XX/XX/XXXX and XX/XX/XXXX. I contacted XXXX and spoke to a representative in their accounts and billing department who informed me that the ( 2 ) late  payments derived from an internal error. 

I am extremely upset that my husband my co-borrower and I have had our credit affected due to these errors caused by XXXX XXXX XXXX and within all honesty at our time of life the prospect of being bound to XXXX XXXX XXXX for a further couple of years worries me because this issue could have been avoided if better contact record keeping was applied. The whole issue not being able to contact us by phone is no excuse because I furnished our address and email address for notices such as this. 

I was not advised that XXXX was not able to contact us by phone because of inacurrate contact information that was input into my personal information ( please see initial contract which states incorrect telephone number ). Although I now reside in XXXX my area code is still a XXXX XXXX XXXX which is simular to a XXXX  area code of XXXX it was input into their system incorrectly by the representative that completed the contract and was never updated although it is requested as part of the verification process each and everytime I contact their office which I have done on numberous occassions due to my irregular travel patterns that take us outside of the USA I frequently pay over the amount of my monthly installments which is {$280.00} and in advance.
Consumer complaint received 2017-08-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I am an XXXX XXXX veteran. I have been considered XXXX XXXX XXXX XXXX by the Department of Veteran Affairs ( VA ) due to my XXXX XXXX XXXX, effective XX/XX/XXXX. On XX/XX/XXXX, the U.S. Department of Education and XXXX ( XXXX Discharge ) approved my XXXX XXXX XXXX XXXX ( XXXX  ) discharge application of my federal student loans on the basis of my XXXX XXXX XXXX XXXX. Copies of the aboved documentation were sent to Navient and XXXX XXXX via certified mail on XX/XX/XXXX. Thereafter, numerous telephone requests to cancel the remaining outstanding balance of my student loans indebtedness due to my XXXX XXXX XXXX were made to Navient. I also sent an email to XXXX, to no avail. On XX/XX/XXXX, I sent a second certified mail to Navient requesting that they discharge my student loans and to report to the three ( 3 ) credit bureaus that my accounts have been paid in full. To this date Navient has not taken action on my requests. As of today, XX/XX/XXXX, Navient website shows that I owe a total balance of {$22000.00} ( Account # XXXX ). Further, the loans balance continue to show on my credit report.
Consumer complaint received 2017-08-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NV)

On X/XX/2017 I received a notice that my loans were due since I was now out of school. These two loans were loans from previous institutions and had already been consolidated. When I returned to school they entered deferment until I graduated in XXXX of 2017. I called and spoke to them regarding my account and I was given the option to do an alignment forbearance to bring my previous loans and the loans I acquired while finishing school into alignment so that I could consolidate them all, they would all be due in XX/XX/XXXX. I called to follow up on my request on X/XX/17 after I had n't received confirmation of my alignment forbearance being processed. The gentleman advised that it looked like it was still being processed and to be patient. He advised me that they do not report late payments until 90 days and I should be receiving a confirmation shortly. I received another notice today that I am past due so I called them to discuss my account. It is now X/XX/17, the girl I spoke to advised that I was not eligible for an alignment forbearance and that I would need to make the past due payment immediately. I explained the situation and she put me on hold to review my account. She did see the prior conversations and that I was given incorrect information. Her only response was that she would file a complaint on my behalf for her superiors to review and said she would forward paperwork to re-certify my loans to lower my payments and that she would request a situational deferment to clear my past due balance until XX/XX/XXXX when my next payment would be due. I advised that I was not satisfied with this result and that I am very unhappy that I was given incorrect information twice and that I would have handled this differently and made arrangements to do the re-certification or make a payment back in XX/XX/XXXX and not let my past due balance get to this point. Also, not one time in any of the conversations was I advised to continue making payments until my request was processed. I was told that once the alignment forbearance was processed it would be retroactive, and now come to find out that I was never eligible for the option they suggested. The service company is FedLoan Servicing
Consumer complaint received 2017-08-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (PA)

XX/XX/XXXX- Just finished a 5 year chapter XXXX to save our home. Upon coming out of the chapter XXXX we did not receive any bills or documentation stating SLS purchased our loan from XXXX XXXX. In XX/XX/XXXX SLS finally stated they were our mortgage company and made us fill out a total of 8 loan modification packets always coming back unfinished. We finally made them send us the previous bills and the month we got out of our chapter XXXX we still owed them the same amount we went into for XXXX. Now they are taking my home and I just want to safe my home and they will no longer speak to me and I also put my attorney on my account to speak for my behalf and they refuse to speak with her. I am in a catch 22 because now they wont speak to either one of us and in my heart there is no way to safe my house. I am desperate to safe my home. Please help. XXXX XXXX XXXX
Consumer complaint received 2018-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ZIONS BANCORPORATION (ID)

I made a cash deposit into my checking account on XX/XX/18 at XXXXXXXX XXXX PST. On XX/XX/18 at XXXX XXXX  PST I logged onto my account and see that this deposit has NOT been credited to my account. This has made my account go to a negative status AND I was unable to withdraw cash this morning at XXXX XXXX PST. 
This is UNACCEPTABLE. There is no excuse or reason for this other than the bank 's error. I called their headquarters when they opened at XXXX XXXX Mountain Time Zone, XXXXXXXX XXXX PST. They said there is nothing they can or will do and to go into my local branch when the bank opens at XXXX XXXX. I was going out of town this morning, leaving at XXXX XXXX, and have cancelled my plans due to this error. I have very little money and this has altered my plans and created undue stress for me. There is no valid reason for this to occur.
Consumer complaint received 2018-07-08
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NY)

I have 4 credit cards with Citibank, ( bestbuy, XXXX, and 2 at their instituition ) after filing a valid dispute that was resolved, citibank decided to close all my cards because I've had to many recent credit card applications. The company did not provide any options and closed my first ever card with XXXX   that I've had for 14 years. I never had problems with XXXX, bestbuy credit cards ever. They completed discriminated me against a valid dispute against a company that was scamming consumers and was even being sued by the FTC XX/XX/2018. Citibank is unfair and unreasonable. They decided to close -4 cards, and my credit affected heavily.
Consumer complaint received 2018-07-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WEBSTER BANK, NATIONAL ASSOCIATION (MD)

I have a Health Savings Account ( HSA ) for my family with XXXX. The contribution limit for year 2018 is {$6900.00}. My employer contributes {$1500.00} per year to this account in $ XXXX   monthly payments, allowing me to contribute a maximum of {$5400.00} per year. I inadvertently forgot to stop my payroll deductions for my account once I hit the {$5400.00} limit, so I requested that {$810.00} in excess contributions for the year 2018 be withdrawn from my account in a form I mailed to XXXX  in the week of XX/XX/2018. At the time I had submitted that letter, the combined contributions between my employer and myself was {$6800.00}, which is under the {$6900.00} contribution limit. 

On XX/XX/2018, XXXX issued an excess distribution of {$1300.00} instead of the {$810.00} I had requested. I contacted XXXX  through their web chat twice to notify them that I believe there was an error : since my account had never exceeded the contribution limit for 2018, there should not have been any earnings removed from my account ; furthermore, even if there had been an excess contribution, there is no way that {$810.00} would have earned {$520.00} in the two weeks it was in an account that pays 0.05 % interest per year. I was told that I would be sent a worksheet explaining the calculations. I have attached a worksheet I downloaded directly from XXXX that includes all transactions for the account and corroborates my account. 

I called XXXX again on XX/XX/2018 and spoke to a customer service representative named XXXX. I reiterated my concerns and told her that I had yet to get the worksheet with the calculations for their distribution. She told me that they would email the worksheet. That has also not happened. 

Thank you for your attention.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (MA)

On approximately XX/XX/year> as I was checking my credit report, I saw a credit card from Barclays that I had not opened. I contacted Barclays and they determined it was fraudulent. I requested it be removed from my credit report from XXXX XXXX. As of XXXX XXXX it is still on my report.
Consumer complaint received 2024-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I lodged a complaint with these Bureaus XXXX XXXX ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX XXXX  since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2018-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (CA)

I am including a copy of each judgment that was ruled in my favor.

FUTURE HEARINGS Case Information I Register Of Actions I Future Hearings Party Information None Case Information I Register Of Actions I Future Hearings Party Information Parties Plaintiff : XXXX XXXX # XXXX**** I XXXX  AS ASSIGNEE OF XXXX XXXX Defendant : XXXX XXXX XXXX AKA XXXX XXXX Attorney for Plaintiff : JXXXX XXXX XXXX.

Case Information I Register Of Actions I Future Hearings Party Information XX/XX/XXXX DISMISSAL WITHOUT PREJUDICEFILED FOR THE ENTIRE ACTION AS TO ALL D EFEN DAN T ( S ) AND ALL CAUSES OF ACTION ( S ).

XX/XX/XXXX SERVICE RE : SUM M ONS AND COMPLAINT RETURNED NOT FOUND/NO SERVICE AS TO ( XXXX, XXXX ) AKA ( XXXX, XXXX ) FILED. COSTS OF {$60.00}.

XX/XX/XXXX OSC H EARING XXXX XXXX XXXX XX/XX/XXXX AT XXXX XXXX., IN DEPARTMENT SEY. ORDER TO SHOW CAUSEHEARING SIGNED AN D FILED BY XXXX XXXX XXXX, JUDGE TO SHOW WHY SANCTIONS SHOULD NOT BEIMPOSED FOR FAILURETO FILEPROOF OFSERVICE AND FAILURE TO FILEDEFAULTJUDGMENT PURSUANT TO XXXX XXXX XXXX. CERTIFICATEOF MAILING FILED.

XX/XX/XXXX COLLECTIONS CASE COMPLAINT FILED PURSUANT TO XXXX XXXX. XXXX XXXX. Filing Fee : XXXX XX/XX/XXXX SUM MONS ISSUED.

XX/XX/XXXX SUM MONS FILED.
Consumer complaint received 2018-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America has stated through their research in case # XXXX that my accounts ending in XXXX ( checking ) and XXXX ( savings ) were closed due to two checks totalling {$200.00} and {$200.00}, respectively on XX/XX/2018. Bank of America included a copy of both checks issued from a company called XXXX XXXX XXXX. 
I have never done business with this company nor do the endorsement signatures match my signature. The bank has examples of my signature and should be able to compare ( Please see attached checks ). 
Typically, according to bank policy, I have up to 60 days to notify the bank of any errors once I receive my bank statement. I notified the bank in a timely manner before filing a complaint with the OCC stating that my account was closed due to these checks which I did not have any knowledge of being deposited. 
Bank of America has stated in its correspondence dated XX/XX/2018 that this constitutes " unsatisfactory handling '', and has reported to XXXX  and XXXX XXXXXXXX XXXX, damaging my credit worthiness. Throughout my time with the bank, I have transacted thousands in business, therefore this decision was not properly handled. 

I ask that accordance with Fair Credit Reporting and FACT Act that these accounts be removed from my consumer reports, as I have notified the bank that my identity has been compromised and any unfair reporting is a direct violation of my civil rights.
Consumer complaint received 2018-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (UT)

Experian Credit agency is reporting the wrong name on my file and i would like for them to get rid of the wrong name which is XXXX XXXX XXXX i have never been know by that name or will i ever go by that name my Full Legal Name is XXXX XXXX XXXX and thats all that should show on my reports please get this fixed asap and i would also like for experian to get rid of the accounts on my file that have XXXX XXXX on them due to not being my name and get rid of the collection account,
Consumer complaint received 2018-07-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC (TX)

My son needed his XXXX XXXX XXXX. Our regular XXXX had sent us to XXXX   under the impression ( after XXXX had marketed to them that he was in-network with XXXX ) that XXXX  would be less expensive for us since he was a preferred provider with XXXX.

XXXX office lady told me they were preferred providers of my insurance and in-network. Per XXXX office policy I paid in full prior to XXXX XXXX, the amount I paid ( {$580.00} ) was the amount the office lady told me was my share after insurance, everything went well with the doctor. Then a year later, office lady calls me telling me they arent contracted with XXXX and that shes re-calculated and I now owe more! This is just bad business practice. Imagine giving your own client a quote on a service, providing the service, then later contacting them and demanding more money.

When Capital Accounts contacted me I sent them multiple letters and emails showing my receipt that I paid my account in full before services were rendered. I disputed the debt in writing and they still put it on my credit.
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

BANK OR AMERICA IS REPORTING ME ON XXXX XXXX XXXX XXXX AS ATTEMPTING TO TRASACT AN ACCOUNT IN AN UNAUTHORIZED OR PROHIBITED MANOR SPOKE WITH XXXX SAID I OWE XXXX AND SENT ME A LETTER SAYING SHE COULD N'T HELP ME AND I CA N'T REOPEN A BANK ACCOUNT KNOW WHERE. I CALL THERE RECOVERY NUMBER SPOKE WITH XXXX  AND SHE SAID I DO N'T OWE ANY MONEY THE BALANCE WAS ADDED TO MY BANKRUPTCY. I ASK IT I CAN GET A LETTER SHOWING I DO N'T OWE NO FEE 'S IN IT WAS ADDED TO MY BANKRUPTCY SO I CAN CLEAR MY NAME WITH XXXX XXXX AND OPEN A BANK ACCOUNT I WAS TOLD NO. I FEEL BECAUSE I FILED BANKRUPTCY BANK OF AMERICA IS BLACK BALLING ME FROM OPENING AN ACCOUNT WITH ANY BANK ... PLEASE HELP ME
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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
Consumer complaint received 2018-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2015 an account was open to cfraudulently. with a balance of {$1500.00} I have made attempts to contact them of this matter to only be referred to a collection agency XXXX XXXX in which they have sold the account to followed by ( writing off as a bad debt ) i notified XXXX XXXX  and XXXX XXXX XXXX XXXX that this is not my account. this collection harmfully effects my credit score. the account number where this debt can be found for XXXX XXXX is XXXX  account number with XXXX XXXX XXXX XXXX  Unknown. a letter was sent to both companies followed by the police report attached for Deceptive practice
Consumer complaint received 2018-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

ENHANCED RECOVERY COMPANY IS TRYING TO COLLECT A DEBT THAT ISNT MINE. XXXX XXXX FOR XXXX DOLLARS. I DID NOT OPEN ACCOUNT WITH XXXX XX/XX/2018. THIS IS FALSE. PLEASE REMOVE FROM ALL THREE CREDIT REPORTING AGENCIES.THANK YOU
Consumer complaint received 2017-08-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (KS)

I received a letter from Ditech stating my mortgage was transferred to XXXX XXXX XXXX. This after all requested paperwork for a modification had been XXXX to the loss mitigation department of XXXX XXXX 2017. This is the second time this year my mortgage has been sold while in the modification process and the process not completed. Now what will happen?
Consumer complaint received 2017-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (MA)

The company has the debt on my credit report as well as my twin brothers credit report. They think we I am Using an alias. The debt is not mines or his. The company wants us to pay them {$410.00} for the debt. It was first reported on my account when I noticed I was a victim of identity theft in XXXX 2016.
Consumer complaint received 2024-10-01
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. (SC)

XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.