davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

I read that XXXX XXXX had been hacked, and I wanted to make sure I had a security freeze on all my credit reports. I could not log in to the Equifax site. I used to have a TrustedID account ( free from the Equifax breech ), but that seems to have expired.

My logon/password were not accepted. I went through the laborious effort to get a new password process, and tried to logon. I was told to call XXXX to proceed. I called. I was told to " press 1 to leave a callback number ''. I pressed " 1 '', the call received a busy signal and hung up. I repeated the process an hour later. Same result. I repeated the process a third time, and was able to leave a callback number. I received a callback 45 minutes later.

I was asked many ( in addition to all the online identification ) questions to verify my identity. What is my monthly credit card payment? I do not have a monthly payment, I pay the balance at the end of the month. Question repeated. Answer repeated. Question repeated. Answer repeated. Question repeated, and I explained the best that I could, that I have no monthly payment, paid in full is the answer.

Next question : What month did you place your last security freeze? I do not know ( it was when Equifax was breached, but I do not remember the month ). Question repeated. Answer repeated - I do not know what month. Request for security freeze denied.

Now I can not get into my Equifax credit report ( " call XXXX to proceed '' ), I do not know if my report is under security freeze, and I can not get this resolved.

I wasted 5 hours of my time today. I believe Equifax is an enemy of the consumer.

I was able to put security freezes on my XXXX and XXXX  with no issues, and within 5 minutes
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

my consumer report must be accurate and verified. By law, any credit reporting agency must provide proof of any negative reporting of inaccurate information on a consumer report. I mailed a letter to Experian on XX/XX/XXXX, requesting proof that the late payment on this account was accurate XXXX XXXX XXXX Account XXXX late payment XX/XX/XXXX. I received an online response that the account was updated but the 30 late payments remain. Where is the proof!!! The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information
Consumer complaint received 2024-06-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (GA)

EdFinancial reversed my student loan payment on [ date ] claiming I requested cancellation from my bank. My bank confirms no such request was made. This appears to be a recurring issue and I am concerned about the impact on my loan status. 

I am filing a complaint with the CFPB because EdFinancial reversed a legitimate payment and provided false information regarding the source of the cancellation. 

I have requested EdFinancial to reinstate the payment and investigate the miscommunication.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I have asked for records that have been provided to the credit bureaus. XXXX XXXX third party application, XXXX, Equifax all have had report that the Mortgage was reported as paid off in full and the account is closed. I am requesting that all the accounts be reported as closed, proper assignment of the note and mortgage have not been made.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have asked for records that have been provided to the credit bureaus. XXXX XXXX third party application, Transunion, XXXX all have had report that the Mortgage was reported as paid off in full and the account is closed. I am requesting that all the accounts be reported as closed, proper assignment of the note and mortgage have not been made.
Consumer complaint received 2024-08-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: TRUIST FINANCIAL CORPORATION (CA)

I Still have not had any response to my previous email ( attached ) and im wondering why basically.??? This missing documents not scanned or received thing that i have experienced now for about 1 year and a half to 2 years is actually very concerning especially for a BANK. Id like a upper Manager to review all the inconsistencies in how poorly Truist has handled my mother XXXX XXXX XXXX and my father XXXX XXXX XXXX mortgage account. They are looking down from above on all of this and I know they would not be happy customers or what you. 've put me through. I notified TRUIST on XX/XX/year> about a mailing I finally received ( The very first correspondence ever received at the property address to my Mother that said the mortgage was in default. I called as I just opened the mail and at that time found out that ALL MY MOTHERS CONTACT INFORMATION INCLUDING THE MAILING ADDRESS had been CHANGED. I want to know WHY. This process has been a constant you can talk to me im on the account, then im not on the account, then a notary to the property address to verify my identity, then you can talk to me and then you cant talk to me. The patriot act form the notary prepared then was requested again. After you already said you had it. The fraud investigator was involved said id no longer have any issue talking on the loan, then that wasnt the case at all. Its been Truist basically losing documents, unscanned, I was asked for the Death Certificate 2 months ago. i sent that several times over 5 times XX/XX/year>. I have phone recordings of Truist saying your working on the case, only to be followed by I call and told you cant talk to me. 

This has gone on long enough, the non reply the previous email is just another example of the lack of communication and further delays. Im doing my best losing my Mother and Father, but I do know this. They payed their bills and took the highest pride in this property and the blood and sweat it took to work for it. I appreciate some compassion and some professionalism in figuring out how all this happened and a complete reduction or elimination of late fees and interest. I suspect that my Mothers info was changed prior to her passing as there was nothing in the files that refferenced Truist bank, just that XX/XX/XXXX letter. ( Dated XX/XX/XXXX or XXXX I believe ) if that helps you find the ONLY correspondence from TRUIST. Ive left messages for managers after that happened, numerous letters, faxes, conversations. Id like a review of the phone records, Address Changes, Correspondence, all of it. I want answers and I feel Truist is acting like none of this ever happened. I submitted my income and expense last month and the entire package in the provided TRUIST envelope and somehow you only received part of it. This is unacceptable. It was all in the SAME PROVIDED ENVELOPE. 



Thank You, XXXX XXXX loan number : XXXX Show trimmed content
Consumer complaint received 2024-07-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (WI)

XX/XX/year> Called regarding student loan payments of {$510.00} that are too high for my current income. I have had XXXX XXXX XXXX since age XXXX that continue to worsen over the last XXXX years all while being diagnosed with more illnesses. These chronic illnesses also resulted in me never obtaining the degree that I sought, further lowering my income potential. The compounding symptoms of these chronic illnesses have forced me to be unable to work without income while awaiting a social security XXXX determination. I was given options to lower payments for 12 or 24 months for myself and my co-signer but after the lower payment period these payments would go up to ~ {$700.00} or ~ {$1500.00} per month per respective plan. Co-signer on student loans is a XXXX veteran who has undergone a XXXX XXXX XXXX and is facing a XXXX XXXX XXXX XXXX due to complications from long-term XXXX illness. No consideration for his condition was given in either of these payment plans as well. 

Having retained a XXXX lawyer, I have been informed that it is currently taking around two years to obtain a XXXX determination from the Social Security Administration. Were I to lower payments for the assumed 24 months it will take to obtain that determination so my co-signer could better afford these payments I would then be facing payments for loans through this one servicer as large as the social security XXXX income I would receive without any regards to other financial obligations such as minimal basic survival. 

These repayment options are unrealistic, predatory, and take no consideration of the totality of circumstances leaving XXXX, low- or no-income, degree-less borrowers stranded with no real way forward.
Consumer complaint received 2024-09-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (VA)

company is falsely reporting to transunion, the date reported is over XXXX XXXX XXXX and needs to be deleted immediately, I already had this solved with the original company, I sent ftc reports and this creditor illegally bought the false information. If these inaccuracies are not corrected or removed from my credit report, I am entitled to statutory damages up to {$1000.00} under FCRA Section 616 ( 15 U.S.C. 1681n ) for willful noncompliance. I reserve the right to pursue further legal action if this matter is not resolved promptly.
Consumer complaint received 2024-09-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC (TN)

Debt collection from ALDOUS and Associates showed up on XXXX XXXX for {$130.00} on XX/XX/year> I have no knowledge of this debt and havent received any notification of this debt prior to appearing on credit report. 

XXXX am XX/XX/year> called Aldous to get information on debt. Aldous verified name, address, and last four of social, then proceeded to ask for a credit card number to process a {$1.00} payment to tell me what the details of the debt were.

I do not feel comfortable giving my card number to a company that might be a scam considering I have no knowledge or written notice/email/carrier pigeon notification of a debt prior to showing up on my credit report.
Consumer complaint received 2024-07-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Westlake Services, LLC (GA)

Reposed my personal vehicle with no ownership to the car. 

I purchased my car from U

S Auto sales. US Auto sales sold the car to West lake portfolio. 

I then refinanced the car with XXXX XXXX XXXX XXXX So XXXX XXXX XXXX XXXX  owns the car till I pay it off but Westlake refuses to send the title over to XXXX XXXX XXXX XXXX 

West lake portfolio claims that I owe them money for a medical bill never heard of them or had dealing with them. I refuse to pay the medical bill they took my car
Consumer complaint received 2024-07-09
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I have an credit card with Bank of America that I tried to use to make an online purchase of {$52.00} on the XXXX of XX/XX/year> while I'm outside the US. This was flagged by their fraud detection and my card was frozen. I can not travel to the US so I called their customer support from their app to try and resolve the issue over the phone. They insist that even though I am authorized through the app and their web interface that I must go to a physical branch with two pieces of identity to resolve the issue. It would cost me thousands of dollars to do so, so I asked if there was anything else I could do and was repeatedly told the only thing that can resolve the issue is to travel to a physical location in the US.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (AZ)

This is to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. 
Please note that pursuant to the FCRA611, I am requesting a reinvestigation of the accounts listed below. Did you even investigate? There is no way you did because the information reporting is inaccurate. I have thoroughly reviewed and there's no way you did, otherwise you would have DELETED the false information below like the law states you must do. 
Please investigate the following accounts listed below as it is inaccurate and damaging my credit. 

XXXXXXXX XXXX XXXX  XXXX {$6200.00} XXXX XXXX XXXX XXXX {$2200.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX {$1700.00} XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX {$1400.00} XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX  ) {$1400.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1200.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$550.00} US DEPT ED XXXX {$0.00}
Consumer complaint received 2023-06-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

We received the attached letter dated XX/XX/XXXX indicating that Bank of America is closing our account. While they are within their rights to do so, they also indicated that they would continue to send statements as required. To date we have received no statements. When we tried to pay online, they had removed our access. We called and they told us that collections was in charge of the statements - our account is not in collections. We would like a convenient way to pay our bill online, just as every other Bank of America customer. More importantly, we expect to receive a statement every single month as Bank of America is obligated to do.
Consumer complaint received 2024-07-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC. (KY)

In XXXX, my father passed from XXXX, so half of his property went to my mother and other half went to myself and husband & my brother. We live in Kentucky. In XXXX, apparently Asset Acceptance attached a lien to property, but in XXXX, we signed our parts of this property over to our mother. That's in XXXX. Nothing was said or mentioned about the lien and I was allowed to sign it into her name. Then a year or two later, when my mother decided to sell property, Asset Acceptance decided they were going to sue over my debt, my mother 's name wasn't in the debt, this debt act, I think was through XXXXXXXX XXXX over revolving credit card where I borrowed to get a XXXXXXXX XXXXr through XXXX. That debt was around {$5900.00} I think. Anyway they told realtor that over {$9000.00} almost {$10000.00} had to be paid before property could be sold so my mother had to pay that amount to sell her property. We both had financial difficulties at the time and we were planning on paying for some things we needed to get to survive and play catch up. This company, Asset Acceptance has an attorney from XXXX, Just named XXXX XXXX XXXX and I called the phone number on paperwork they showed to claim the debt and ask for exact payoff so I could at least make sure they weren't overcharging on the debt or adding too much interest but they refused to give me an exact payoff because they already had let yhe appraiser know and I felt like they were wrong with how the whole situation was handled and my business was made knowledge to my mother and the appraiser and I wasn't even allowed to check to see if I was scammed because it was very nerve wrecking and already having issues with my finances and now they were allowed to just take without having been XXXX percent sure about everything and at a time in my life where I was having issues already dealing with my dad 's death. I would like someone to just look at the case and my original creditor to see if they were within the law when they collected the debt.
Consumer complaint received 2023-10-27
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: Experian Information Solutions Inc. (TX)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-07-25
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Meridian Financial Services, Inc. (IL)

My husband has been in and out of the XXXX  and we were in the process of having XXXX assist us with the debt and getting out of our timeshare when we must have been sent to collections by mistake or something. We requested the debt be returned. Meridian isn't seeing a cent from us.
Consumer complaint received 2024-07-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Security Credit Services, LLC (TX)

This debt collector have not provided me proper debt validation for this debt. Please delete this from my credit report. 

Also, In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A Section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-10-25
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Security Credit Services, LLC (CT)

I recently reviewed my credit report and found that SECURITY CREDIT SERVICES obtain and used my information under false pretense which causes actual damages to my credibility. To obtain and use someone information without their consent is " IDENTITY THEFT ". I am asking SECURITY CREDIT SERVICES to provide me with a copy of a contract to prove that I give them permissible purpose to obtain my information.
Consumer complaint received 2024-07-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

I contact LVNV Funding, LLC XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX requesting in writing regarding the collection of an alleged debt, account number XXXX in the amount of {$420.00}. 

And on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and the account # XXXX in the amount of {$740.00}. These letters were requested for VALIDATION of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( a ) I had asked the name and address of the original creditor, the complete account number and the amount. As well as, a detailed explanation and itemized statement of the charges and fees associated with the debt. 

In addition, proof that they had the right to collect the debt, including any agreement that grants them authority to collect on behalf of the original creditor. 

Lastly, I requested that they send proof that the alleged debt is owed by me including any signed agreement or contracts.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: RentDebt Automated Collections, LLC (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX, Account name : Rentdebt Automated Colle, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.