davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-18
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (MN)

I was contacted ( unsolicited ) by XXXX XXXX who claimed to be representing my mortgage loan servicer " Freedom Mortgage '' about refinancing at a much lower rate. I told him to send me information via email since I did not want to agree to anything over the phone. The email he sent from had a domain name XXXX, which does not appear to be affiliated with Freedom Mortgage. This appears to be an attempt to gather personal information. 

When I received the " documents '' to sign, I was asked to " login '' using only my State, First and Last name. No account setup at all nor was I directed to logon to " Freedom Mortgage 's web site. The person contacting me also did not have access to send me a message within the Freedom Mortgage site, which is a strong indication that it is a scam. 

Please post and share that cold calls for a refinance are nearly 100 % a scam and should not be entertained.
Consumer complaint received 2022-03-26
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. (WI)

In accordance with the Fair Credit Reporting act XXXX  Account Name, U S DEPT OF ED/XXXX  Account XXXX XXXX, Account Name, U S DEPT OF ED/XXXX  Account # XXXX Account Name XXXX DEPT OF ED/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 2021-06-17
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC (FL)

In XXXX, I obtained a loan from Mariner Finance. As collateral for the loan, Mariner Finance used my then brand new vehicle and items of value in my home. Due to overwhelming obligations, in XXXX I filed bankruptcy ch. XXXX, which included the loan with Mariner Finance. The bankruptcy was discharged in XX/XX/XXXX. After 8 long years of making monthly payments to the auto loan company, their loan has been paid in full and their lien was released. I attempted to obtain a copy of my title from the Florida XXXXXXXX XXXX  XXXX XXXX  and was advised of the remaining lien with Mariner Finance. I immediately contacted Mariner Finance on XX/XX/XXXX, and left a voicemail requesting a return call. My call was returned on XX/XX/XXXX, from the local office of Mariner Finance, by a lady named XXXX. I advised XXXX of my situation and was advised that Mariner Finance does not have to release their lien as a result of my discharged bankruptcy. XXXX from Mariner Finance provided me with the total amount due of {$3900.00}. My response was that the car is a XXXX with approximately XXXX miles on it and not even worth that amount. I asked about a settlement of {$1200.00} ( 30 % of the debt ), payable in 3 monthly payments of {$400.00} each. I was told I would receive a response to my request later on XX/XX/XXXX. XXXX contacted me, with an offer of {$2800.00}, ( 80 % of the debt ) which must be paid in 3 monthly installments. I advised XXXX that I am unable to pay {$940.00} per month, for 3 months in addition to my current obligations. The call ended. I understand that the debt is still owed ; however, due to the age of the loan ( 7 years ) and my bankruptcy filing, I would expect Mariner Finance to provide me with a more reasonable offer.
Consumer complaint received 2020-03-18
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. (FL)

I am requesting to remove all accounts which I listed in Identity Theft which does not belong to me. All of them are paid in full and have {$0.00} balance and I have never opened them before. Some one used my personal information. Please remove all of them from credit bureaus because its going to destroy credit history. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.
Consumer complaint received 2020-03-17
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. (AZ)

Credit bureaus adjustment was sent by loan company to credit bureaus on XX/XX/2020 however they did not report to my credit until XX/XX/2020. My credit bureaus are still saying I am delinquent when I am not. I was in deferment and still am.
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX
Consumer complaint received 2020-03-18
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Experian XXXX XXXX   XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s )  below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2021-06-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: EQUITY LOANS LLC (FL)

My mortgage company : Equity Prime Mortgage bounced a {$40000.00} check in my XXXX XXXX Account on XX/XX/2021. They advised that the original check issued from my insurance company : XXXX XXXX XXXX XXXX was not endorsed properly and was returned in THEIR bank. On XX/XX/XXXX, I resent the mortgage company a new check from the insurance company that cleared! Last Friday, the mortgage company released ONLY A {$10000.00} check as part of my claim!!! I need the full {$40000.00} reissued to rectify the overdraft, fees, and restrictions on my bank account. Its been 2 months!
Consumer complaint received 2021-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (NJ)

Good evening, My name is XXXX XXXX On XX/XX/2020 I made a purchase of furniture from XXXX XXXX located in XXXX NJ. 
When I made this purchase I told the supervisor and XXXX ( a very good sales man bc Ingot convinced ) that I needed to check if this furniture would fit my house since it's a small house. They said there was no problem to make the purchase now and to just call if it doesn't fit to cancel and that there was no problem. 
Since I bought it after the store closed I called them the very next day and spoke with XXXX and the supervisor, they said it was fine and that they will call me back. Since I didn't receive a call back I kept calling them leaving a message ( they did not return my calls ) so I wrote them an email ( with no response ) I mention this bc I don't know when the store made SYNCHRONY bank aware of the cancelation. 
To make this story shorter. 
When I received the first vpicemail from SYNCHRONY bank In XX/XX/2020 I called them and found out I had this debt. 
I made the first dispute which they did respond ( only dispute they ever responded ) saying that my dispute was in in store 's favor. Since then I made several disputes and went to the store to get the PROOF OF CANCELATION FROM THE STORE which I sent to the credit card company which is SYNCHRONY bank via fax and I received a letter saying they received the letter. 

I have made several disputes with no responses, I have called at least 35 times and spoke with different agents, supervirors and XXXX department with no response, one agent tells me to call the other department, when I call the other department they tell me to call the first department I called. Nobody is ever able to give me information and I have not received letters or information. 
This has been going for 16 months. With no help, no advice. I asked them if they need the store to call them or to please tell me what they want me to do to resolve this issue, they said is under dispute and to just " wait ''. 
This past week I received a letter saying this debt is closed, when I called to ask what this means they said it meant this credit was sent to the credit bureau. 
I feel this bank is just trying to buy time by telling me to just wait every time I call them I have received no help. I don't know who to ask for help. 

Attached is proof of the cancelation and the letter I received from the bank. 
The cancel receipt states that THE STORE RETURNED THE MONEY TO SYNCHRONY BANK. ( On the right lower corner ) The store supervisor told me the store never received the money from SYNCHRONY Bank, he stated this bank is so bad they no longer to business with SYNCHRONY bank. 

Thanks in advance XXXX XXXX Ph # XXXX Email : XXXX XXXX
Consumer complaint received 2021-12-16
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)

My information was used by someone who stole my identity to get credit accounts on my name, and not pay and they debts ended up in my account in collection unpaid and I'm left on the hook. my name ruined i can barely qualify for credit or better interest rate. 
this report is me trying to fix all the harm done to me my my life my good name.
Consumer complaint received 2021-06-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A. (AZ)

XXXX XXXX XXXX contacted us about monies supposedly owed to other creditors. We indicated, at the time of the initial call, that some of the monies were indeed owed, but not all. XXXX failed to provide proof of what they were attempting to collect. We offered a settlement offer, based on what we felt we owed, to clear it up, but they refused to be reasonable. Not only did they refuse our attempts to settle, but they continued calling us even after we told them to stop. Calls came in before XXXX our local time, and after XXXX. They just wouldn't stop. We've even took several of their illegal phone calls just to try and settle the account. They wouldn't budge, and just continue to call. This is harassment. They've now filed a lawsuit, and continue to call, even though we've told them to stop.
Consumer complaint received 2021-06-17
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Klarna AB (FL)

I issued payments to KLARNA via my bill pay through XXXX XXXX in XXXX XXXX, fl. I used the address on their acct information in OHIO and both bank checks were ( for two months ) were returned to me as undeliverable. I them paid KLARNA direct from their website. You can not get through to them via phone, everything is chat. They agreed to remove the negative comment on my credit but I had to determine what day the entry was made, I was unable to do so. Can you investigate for me I would appreciate it. Thank you XXXX XXXX XXXX
Consumer complaint received 2020-03-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc. (CA)

Received a text message from an Arizona number ( XXXX  ) XXXX asking me to call them at a number located in Washington State. 

Here is the exact text message I received : XX/XX/XXXX Alert : Your file is now pending review for the new forgiveness program. Can you give us a quick call at XXXX now for details? 

I have never received text messages before from my Federal student loan servicer ( Nelnet ). This message seems like a scam and I did not call or click on the phone number. 

I worry that this is an attempt to defraud and prey on student loan borrowers such as myself during a time of great stress & uncertainty.
Consumer complaint received 2021-03-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (NC)

To Whom it may Concern, I have tried to work to resolve a charged off Credit Card originally held by XXXX XXXX XXXX. In XXXX I was laid off my job which required me to make tough decisions. I have successfully resolved debt issue with all creditors, except Midland Credit Management. 

Today, XX/XX/XXXX I call the company on XXXX and was disrespected by their staff, the intake workers denied my request to speak with a decision maker who could help me resolve this debt at a more favorable rate. I was offered to a settlement of a Credit card with an original balance of {$1000.00} currently valued at {$2000.00} by Midland Credit Management for {$1800.00}. I rejected the offer as the amount of the debt has fees and other balloon charges on an account that is currently reported unfavorably on my credit reports for over 5years. 

I made an offer to pay {$600.00} and absorb any reasonable deficient balance as income chargeable to me on form 1099-C. I made this clear to the agents and I was told this was not an option. I made the agent that I was aware that he may not be able to approve the request and to transfer me to the department that can so this debit can be resolved today. He transferred the call to another frontline worker, who was rude and argumentative. I asked him to provide the internal complaint number or email and he refused to assist me with requested information. He Identified himself as XXXX and the only decision maker I can speak to. I made him aware that by his lack of engagement displayed behaviors that would not be found in leadership to transfer the call. I was deny and disconnected the call. 

.
Consumer complaint received 2020-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (FL)

I was furloughed due to the Covid-19 pandemic. My credit card account went slightly over the account 's limit. Despite not having a job, I went online and paid enough to bring the account under the credit limit but do not have enough funds to make full payments in the next few months so I've applied for a Covid-19 deferment. I thought credit card companies were not going to engage in negative credit reporting and/or charge fees during this time ; however, Citi reported me to the credit reporting agencies as being over the credit account limit and my credit score dropped dramatically. I would like this negative reporting removed.