davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-24
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: Maximus Federal Services, Inc. (OH)

I am requesting that student loans to be removed from my credit report. I am not responsible for the student loans.The responsible party for the student loans is my daughter XXXX XXXX. The loans are generating from the Department of Education and Navient. I have communicated with the Department of Education regarding the loans and I have noticed the loans are still on my credit report.The Department of Education have reassured me that the student loans would be removed from my credit report several times.I do not owe student loans I am not the responsible party. This situation has impacted my lifestyle, and my credit. Although, the accounts are closed they have hindered my growth with my credit and possibly purchasing a home in the future.
Consumer complaint received 2020-03-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CO)

At the end of XXXX we prepaid the our property taxes that were due for XXXX. I call the mortgage company and told them this information I also faxed them proof of payment so they would know not to pay the property taxes that were going to be due. I followed up on the fax and they verified that they had the documentation and they were doing escrow analysis for us. My spouse also called to inquire about the escrow analysis on XX/XX/XXXX and was told they were processing the analysis. On XX/XX/XXXX we received an email that a payment had been made for our property taxes. I have verified with the county on XX/XX/XXXX that they have refunded the funds back to the mortgage company. I spoke with them today XX/XX/XXXX and they are not showing the funds being credited to our account.
Consumer complaint received 2020-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Total Card, Inc. (CO)

I had a credit card with XXXX XXXX XXXX  ( Total Credit Card ) which I closed in XXXX of this year due to outrageous fees. 

I was charged a yearly fee, around the time I closed the card and was told the fee would be returned to the account I used to pay my bill each month and should arrive in approximately 7 days. This was over a month ago. Several follow up calls have yielded different answers. I have heard my request is still processing, I should received a check in 7-10 days, and the check is in the mail. Almost two months later, I still have not had this fee returned. 

Second, I closed the card in XXXX and paid the balance in full. I never carried a balance on this card and always paid it off every month. Not only are they still reporting a balance, they are reporting that I am over my credit limit ( due to the annual fee they charged ). Not only do I have a XXXX  balance and have had a XXXX   balance since XX/XX/2020, I have had no luck getting the company to remove this from my credit report. I filed a dispute with the credit reporting agencies in XXXX about the incorrect balance/account status/over the limit remarks, which resulted in the card showing as closed and the balance being {$0.00}. Then, early this month, the company again reported the same incorrect data to XXXX, resulting in a nearly 50 point reduction in my credit score. I have filed a another dispute with XXXX to have this removed again, however, it comes at a time when I am rebuilding my credit and attempting to purchase a new home in the next few months. Such a drastically reduced score, due to the incompetence or criminality of the card issuer/credit agency, has negatively impacted my ability to seek other credit/mortgage options and may end up costing me significantly more in interest once the home loan process is complete.
Consumer complaint received 2020-03-09
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION (VA)

Every day for over a month I get multiple calls per day often waking me from sleeping since I work 3rd shift to collect from debt. This is Sallie Mae that calls. Today they contacted my stepsons girlfriend and told them in a voicemail that they were calling for me about a job interview. I never supplied her number to anyone as I don't even know her number. She let my wife know on XXXX since I don't have XXXX
Consumer complaint received 2020-03-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Creditors Bureau Associates (GA)

I lost my wallet in XXXX someone was using my ID I also went to XXXX because they had bills in my name in debt in my name they have all the phone and use my name for XXXX XXXX and other stuff
Consumer complaint received 2023-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

I told XXXX, Transunion and XXXX to reinvestigate these accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate .But how is that possible if the open date, date of the last activity and much more is incorrect .I did request a detailed description of the investigation according to 15 USC 1681i ( 7 ) NO later than 15 days and they never responded .According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 

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 states a consumer reporting agency can not furnish account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) 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 anledales 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 ageny if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting .I have evidence to prove my case
Consumer complaint received 2020-03-09
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Santander Consumer USA Holdings Inc. (FL)

Received a couple of calls from a Mr. XXXX allegedly to perform an audit for a client. Left a callback number XXXX. I called the number requesting more information. They advised me that it was on a debt on a XXXX XXXX XXXX truck which was repossessed in XXXX. 13 years past the statute of limitations in Florida! They threatened they would see me in court and hung up. I called back several times and they avoided my call. After a few phone calls someone picked up and I advise them that the statute of limitations has already passed and my attorney will be contacting them with a cease and desist order. They provided me with the company information and mailing address and hung up.
Consumer complaint received 2019-11-27
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (TX)

XXXX  XXXX entered into loss mitigation program with PNC Mortgage XX/XX/XXXX partial payment was returned. When I asked why they had no idea! I tore up the returned check and they reapplied it to my account. 
XXXX  XXXX completed loss mitigation program with no late or incomplete payments. 
XX/XX/XXXX I contacted PNC to be sure that I should only pay normal monthly mortgage payment. I was informed that I still owed {$2800.00} in fees but have the rest of the life of the loan to pay these and to only pay normal payment. I did go ahead and send a check for half of the amount of the fees ( {$1400.00} ) dated XX/XX/XXXX marked to be applied to the fees. Check was cashed by them on XX/XX/XXXX however, the money was never applied to the fees XX/XX/XXXX found out that my credit report erroneously reflects that I have several late payments XX/XX/XXXX contacted PNC to have them remove the erroneous reports but they refused even though they show that my payments were on time.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-16
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. (IL)

On XX/XX/23, I received a response from XXXX XXXX XXXX. They advised they were not going to delete the late payments from my account. They advised that they review their policies to make sure they're in compliance with consumer law. However, this is not the case. They are violating U.S. Code 1681a2. I am writing to dispute the accuracy of certain payment information on my credit report. Specifically, I am requesting that you delete all late payments from my credit report, as they fall under the exclusions listed in 15 U.S. Code 1681a2. 

According to the FCRA, payment history is excluded from credit reports, as it falls under the category of " transactions. '' Additionally, credit card utilization is excluded under the category of " experiences. '' Therefore, I am requesting that these payments be deleted from my credit report in accordance with my rights under the FCRA. 

If they don't want to follow U.S. Code 1681a2, I am writing to request the deletion of my account and all associated information from my consumer report in accordance with the Fair Credit Reporting Act ( FCRA ) Section 609. 

I am requesting this deletion because I no longer wish to have an account with your company and I do not authorize the sharing of my information with any third party without my express consent. As such, I request that you delete all information related to me from your company 's database and cease reporting any of my information to any third party. 

I understand that under the FCRA, you have 30 days to investigate my request and respond to me in writing.
Consumer complaint received 2020-03-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NV)

I applied for assistance after my mortgage almost doubled causing me to fall behind. I hired an attorney to assist me in putting together an application for assistance. My attorney sent in my application on XX/XX/2020. After calling to see if they received it they are telling me I have to resend my bank statements and circle the rents I receive. I have already put check marks next to the amounts for rent. I applied previously and the same mortgage company kept saying they needed bank statements over and over after I had already sent them. It appears they are doing the same thing this time. Why would it matter if there is a check mark or a circle next to or around the amount I receive for rent is beyond me. In addition, my attorney called to discuss this with PHH and the person was rude on the phone and put my attorney on hold and left him on hold refusing to transfer him to an attorney. This company is purposely evading reviewing my application for assistance every time using bank statements as an excuse. According to my attorney this is a violation of RESPA Regulation X ( 1024.41 ).
Consumer complaint received 2024-04-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL (NY)

I applied in good faith for the SAMS CLUB business Mastercard. After good faith application had been summited received not one but TWO hard inquiries on my personal consumer credit report through XXXX then received a denial notice. If any portion of this application under the Application ID : XXXX or XXXX has been securitized as a asset backed note under securities act of 1934, within the Synchrony Bank SEC filled Prospectus, 10-K forms,8-k Forms and or other SEC filings. we demand credit line issued and open ended under the name of applicant. we submit this for remedy as pre arbitration notice as holder of the contract. please review for violations per Equal Credit Opportunity Act ( ECOA ), 15 U.S. Code 1691. we wish for this matter to be resolved matter privately before we pursue further action.
Consumer complaint received 2020-03-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (VA)

I made a XXXX payment for XX/XX/2020 which is due the XXXX of the month. I made it on XX/XX/2020. Navient did not give me credit for it ... they said their other department had it..i have a private student loan the other loan department of navient has it . They withdrew it from my savings debit card and i can not get the money back or have it applied to my student loan. 
I called and they are looking at sending it back to bank in 3 or 4 weeks ; it has not been applied to anything they just have it. They want me to get a copy of my bank statement and send them so they can see i was the one that sent it instead of just putting it back into the bank so i can make the XXXX payment ... if i am late then more trouble as they charge more interest although they have the money sitting in their pockets This bunch is driving me crazy ; even when i make payments early to get the balance down they XXXX me and i end up paying late charges and still dont know if i will ever get back the XXXX they have in limbo of mine not applied to anything. this is my second letter to consumer financial protection, but these schemers have went on with too many lies to list here ... this is just the latest how can our government condone a company like this that takes advantage of college students!! 
disgruntled and nearing the end of my patience!! XXXX XXXX
Consumer complaint received 2020-03-09
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Comerica (MI)

On XXXX XX/XX/2020 my direct express card was locked. Upon calling them i was informed my account is locked due to fraudulent charges and they could not give me any information as to why it was locked. Ive called back sat on hold everyday the last 6 days for 2-3 hrs for np one to have answers. There is nothing fraudulent on my account the right amount of money was deposited and they will not release my government money nor will direct express provide me with any information about my account nor the person/people Ive spoke to. Direct express employees refuse to provide me with any proof of who they are and why they are not allowing me to access my money
Consumer complaint received 2024-04-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (NY)

Recently, I was home shopping and when I reviewed my credit report, I noticed that a company has furnished my credit report with false allegations. Caine and Weiner Company Inc is requesting collection of a debt I have never had any transaction history or knowledge with before. According to 15 USC 1962 validation of debt and 15 USC 1681, I must be provided with the original copy of this alleged debt. However, I have not been provided with this information even after sending multiple letters asking for the debt to be verified. Therefore, this information must be deleted off my credit report or I will be seeking up to XXXX in damages for defamation, negligent enablement of identity fraud and violation of the fair credit reporting act and fair debt collection practices act.
Consumer complaint received 2019-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (NV)

I settled this account with LVNV collections attorney XXXX XXXX XXXX in the amount of XXXX. I made 3 payments. last payment was received on XX/XX/XXXX. closing this account out. I am still seeing this account open. I was told by LVNV that they havent gotten anything information from XXXX XXXX XXXX. I called XXXX XXXX XXXX and they didn't have any information for me.
Consumer complaint received 2020-03-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (CA)

1 ) I disputed XXXX 's {$600.00} bill in letters via a ) Sequium Asset Solutions LLC dated XX/XX/2019, answering their billing dated XX/XX/2019 ; & another collection agency b ) XXXX XXXXXXXX, XXXX dated XX/XX/2019, answering their billing dated XX/XX/2019. 
COMPLAINT : XXXX began porting over phone service XX/XX/2019 and completion date was delayed XX/XX/2019 because XXXX failed to assist me with unlocking the phone numbers associated with my PIN, which I could not remember causing a delay in porting services by XXXX. For that reason, XXXX knew I was cancelling service which was stated in a brief conversation with a female representative verifying service cycles that had just ended from XX/XX/2019 to XX/XX/2019, which I paid iao {$260.00} on XX/XX/2019. The new cycle began from XX/XX/2019 to XX/XX/2019. I also spoke with XXXX from XXXX just to verify that I no longer had service with them and owe nothing at that point, to which XXXX agreed. So, I was quite surprised to receive a XXXX bill via two different collection agencies. I would submit that nine days of service may be appropriate for billing by XXXX, which would be 9 days divided by {$260.00} being about {$29.00}. I then asked XXXX to investigate twice to which they sided with XXXX with no other explanation. I want to receive recordings of my calls to XXXX during the periods indicated above to support my complaint.
Consumer complaint received 2024-04-07
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC (NC)

The Company SEQUIUM ASSET SOLUTION, XXXX XXXX XXXX XXXX XXXX, XXXX has repetitively called and sent letters while reporting to my credit report in the amount of XXXX. I have called and written them asking to stop all communication but I am still seeing them on my consumer report which is still a violation of 15 USC 1602 C ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the con-sumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon re-ceipt.
Consumer complaint received 2024-04-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (WA)

I asked XXXX to delete my account under email ( XXXX ) but they refused citing data retention. I don't agree that their data retention policy has anything to do with deleting my log-in and profile- they can keep the data on the backend for as long as they legally can, but that doesn't stop them from deleting the log-in so start that clock for eventual deletion of my info. They refused to engage after I responded to their canned email.
Consumer complaint received 2020-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (SC)

We have been trying to temporarily lift a credit freeze on our Experian credit report. I have tried online with both my info and my husband 's info and we are unable to get through to lift it. They gave us a pin number years go but we no longer have that. When we request a new pin, they are unable to comply. When I try to reach anyone by phone - I end up in a never ending automated loop that always leads me to the online website. When I try to do it online, I get an error message to call the toll free number and the circle begins again. Finally, they request that I send them a copy of social security card, license and utlity bill or bank statement to : Experian Credit Freeze. ARE YOU KIDDING ME? Why not just put, " everything you need to steal my identity '' on the front of the envelope? They don't return the copy by mail ( I'm assuming because they realize that it is unsafe ) so why do they require me to send it that way? There is NO fax, NO online address, NO chat option and NO person by phone. I am finally forced to comply with their request but I feel that this is unacceptable, irresponsible and unethical. Experian is purposely putting my confidential information at risk. They shouldn't be allowed to profit from serving consumers unless they are available to actually serve the consumer. I am not attaching any of the information I sent because it is confidential.
Consumer complaint received 2020-03-09
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: EQUIFAX, INC. (GA)

I pulled my credit to myself because I was alerted by my social security card stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$640.00} XXXX/XXXX XXXX {$590.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$300.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}