davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-26
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)

XX/XX/XXXXXXXX XXXX. XX/XX/XXXXXX/XX/XXXXXXXX, PA XXXX XX/XX/2020 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  Experian XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 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. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 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 2024-02-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Every morning, for the most part, I check my Bank of America online account. Today, XXXX, when I checked it I had {$6.00} and change. That's it. Then I checked it again, and the balance was {$1.00}. After a long day at work, I went to the ATM in XXXX, FL to make a deposit, and the balance was {$0.00}. Why doesn't this ledger reflect that? This online ledger is fake! It belongs to whom? 

So, I made a deposit, {$110.00}. The new balance became {$110.00}. I went to XXXX, {$9.00} and change deductions. Then someone hacked this fake online account and stole {$53.00} ; just like that. I didn't authorize this payment nor did it come from XXXX. XXXX payments always reflect FIRST THING in the morning ; and if it doesn't go through, they simply email you stating it didn't go through, we'll try again on the XXXX of the month. How can someone just steal {$53.00}? I suspect this was XXXXXXXX XXXX XXXX. Also, I checked my email and that's confirmation XXXX did not do this. XXXX do NOT run cards this late in the day. 
In conclusion, this " new '' card is not tied to my real account online or in general. A total crime! And who is anyone in XXXXXXXX XXXX XXXX  to run my card. 
This money, transaction needs to get returned because it was not authorized by me and it was not the Post Office who did this. 

Please have this problem fixed. 

XXXX XXXX XXXX
Consumer complaint received 2022-12-29
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Lincoln Educational Services Corporation (MS)

I have been trying to contact my private lender since I have been in basic training, about getting my interest rate lowered to 6 % apart of the scra. I have had no luck with them to which they tell me they do not do that. The school is Lincoln tech in XXXX Tennessee
Consumer complaint received 2022-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (DE)

After several attempts of disputing this fraudulent activity on my consumer report and asking these items be removed due to identity theft after sending in several ftc forms thru the credit bureaus and they respond and say this alleged debt is accurate and I am the original creditor i can only verify debt as true based on 15 USC 1692c i am invoking my specified remedy as the consumer and original creditor I am demanding all late, negative and all fraudulent activity be removed to correct my consumer report!!!!
Consumer complaint received 2020-04-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (CA)

I opened a joint XXXX XXXX XXXX account with my sister. I then changed carriers, and so did my sister. On XX/XX/XXXX, she closed our joint account, in-person at an XXXX XXXX XXXX store, with {$0.00} as its remaining balance. 

XXXX XXXX XXXX went to a 3rd party debt collection company, XXXX, XXXX, to collect an incorrect debt of {$85.00}. I raised a dispute with XXXX and on XX/XX/XXXX they told me this case has been put on hold as they investigate the validity. They then followed up with a notification via mail confirming that I do not owe any debt to XXXX XXXX XXXX and that XXXX will stop harassing me on this issue. I considered the matter closed. 

On XX/XX/XXXX, another debt collection agency, Afni, Inc., contacted me about a debt of {$85.00} to XXXX XXXX XXXX. I contacted Afni directly and told them I do not owe XXXX  XXXX  XXXX  money, and have already provided proof to XXXX, the previous debt collection company, that we have resolved this matter. I forwarded the communications to Afni, including proof that my balance was {$0.00} when I closed my XXXX XXXX XXXX account. 

I suspect one of the two scenarios had happened : Either scenario 1 ), XXXX did not actually close my case but passed it on to Afni to unfairly collect this amount of {$85.00} from me. Or, scenario 2 ), where XXXX XXXX XXXX directly contacted Afni after XXXX was unsuccessful in collecting the non-existent debt from me. 

Either way, I contacted XXXX XXXX XXXX directly on XX/XX/XXXX and they sent me on a wild goose chase across all their extension and phone channels - more than 4 hours spent on the phone, kicked around 3+ departments, and I finally landed on a young lad who was able to use my old XXXX  XXXX XXXX account number to access his system and actually confirm that my balance with them, was indeed, {$0.00}. I asked him to screenshot this and email it to me so I can provide further proof ( right from the horse 's mouth ) to Afni to stop harassing me, or worse, pass this case on to yet another debt collection agency. By this point, the young lad seemed very scared and wanted to " pass me on to a specialist ''. Alas, there was nothing on the other end ( surprise, surprise ), and I suspect he did not want to deal with me even though we both have our own separate proofs that I do not owe XXXX  XXXX XXXX a single cent. 

What to do now? XXXX XXXX XXXX claimed that since my account is closed, the " debt '' is in the debt collectors ' hands now. Yes, collectors plural. They can't do anything about it on their end. Afni will acknowledge my dispute, and just pass it on to another debt collection agency. The vicious cycle will continue until I finally break down emotionally, mentally, and physically, and give in to these telecom tyrants and pay them this non-existent debt. Capitalism at its finest. 

In the meantime, I want to continue to fight this for as long as I have my sanity.
Consumer complaint received 2022-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. have/ 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 Also states a consumer reporting agency can not furnish my account without my written instructions
Consumer complaint received 2020-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

I received a 3rd party collection notice from IQ Data International. I immediately called and questioned the validity of the debt in XX/XX/2018. I found out that this was due to a broken lease by someone who I do know that used my personal information to obtain the lease and I as the sole person on the lease. I was only to be used as a reference however I was used as the lessee. I never signed any papers or talked to anyone in the leasing office during this transaction. I only found out that my name was attached due the the phone calls and finally a bill in the mail. I stated this was not mine, I do not live in XXXX and this is a result of identity theft. I immediately filed a complaint with the FTC which did work in terms of getting this negative collection off my credit report for XXXX. XXXX  and XXXX  have contacted IQ Data and they continue to state that this is a valid debt. IT IS NOT VALID AS IT IS IDENTITY THEFT. Please see letter sent to IQ Data as another follow up as well as the FTC report
Consumer complaint received 2020-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

Since taking over servicing our mortgage home loan ( from XXXX to Shellpoint ) in summer of XXXX, Shellpoint Mortgage has had the worst customer service ever and we are now filing a formal complaint. They are now neglecting to even contact us back at all due all to their mismanagement of this loan in a short six months. Timeframe below. 

Letter sent to them XX/XX/XXXX requesting our escrow account to be removed due to it causing our mortgage to double. We had a payment plan set up with the county for the past 15 years. Outcome, after giving us the address and us mailing them a letter, ( requesting our escrow to be removed ) they are now saying " they never received it ''. We again, XX/XX/XXXX, sent another letter requesting the escrow to be removed again, and they are saying again, " they don't have it. '' We have called them dozen times in the last 90 days, requesting to speak to supervisor and them saying " nobody is available '' and us leaving messages asking supervisor to please contact us by the end of day. Never received a phone call back ever. 

We have emailed them nearly a dozen times in the last 90 days, specific contacts they said " we are assigned to '', but nobody will return emails or call us back. 

Our request are very simple. 1 ) Remove the escrow account that we never asked for 2 ) waive some late fees because we are not able to speak to anyone or sign on to their website to make a payment. This is neglect 101. 3 ) Recently, we mailed a hardship request, because of the escrow mistake they made, and its been two weeks to be exact, and nobody has returned our request or reached out to us. 

These very simple customer service acts have snowballed into one problem into another in spite of us paying our principle plus interest on time every month. We greatly miss the excellent customer service and technology that XXXX provided us for over a decade. And since our mortgage was sold to Shellpoint Mortgage Servicing, it has been a nightmare. And add on the recent pandemic, corona virus, it's more important than ever to get big companies to assist us with service and assistance. 

We appreciate your department filing a formal complaint and assisting us since we can not get them to help in any way or call us back.
Consumer complaint received 2022-12-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (SD)

I alerted Citibank and my bank XXXX XXXX XXXX XXXX XXXX XXXX South Dakota about a fraudulent Citibank account that scammed me of {$21000.00}. I sent them all the information about the account with dates, name, routing/account numbers. They have promised to do a full investigation but have went silent to me and my bank. Banks such as Citibank are required by federal law and applicable regulations to know their customers and understand their banking activities and conduct. They failed. I have offered them plenty of time to conduct an investigation.
Consumer complaint received 2020-04-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TN)

To whom it may concern : I was on a repayment plan which originally started with Ocwen Mortgage in XX/XX/XXXX which consist of a down payment of {$7000.00} and monthly payment of {$9400.00} for 11 months. My mortgage was transferred to PHH Mortgage with the same terms in XX/XX/XXXX. I have made all the payments requested through XX/XX/XXXX. When I sent my XX/XX/XXXX payment via XXXX, the payment was signed by a PHH Mortgage receptionist on XX/XX/XXXX. The XXXX tracking number is XXXX. It normally takes three days at the most to post my mortgage payment. I contacted PHH Mortgage on XX/XX/XXXX requesting an update status of my mortgage payment for XX/XX/XXXX. I spoke with my relationship manager, XXXX XXXX whom told me not to worry about my repayment plan and that he submitted a request to locate my XX/XX/XXXX payment to PHH research team. XXXX scheduled a follow up call with me for XX/XX/XXXX which during this conversation I was told my repayment plan was cancelled on XX/XX/XXXX although my payment was located and to request a loan modification. I requested a repayment plan to be reopen or to be offered another payment plan since I only had 3 more payments to make. On XX/XX/XXXX I received a letter from PHH which stated my check was destroyed and a copy of my check was included with the letter. The letter stated I must pay the total amount of the outstanding balance in order to reinstate my loan. I had a follow up call with XXXX on XX/XX/XXXX which on this call I was told my loan modification was denied and that he couldn't offer another repayment plan. I was advised to contact the foreclosure attorney, XXXX XXXX, XXXX XXXX  XXXX located in XXXX TN for a total reinstate amount and foreclosure date. PHH is fail to accept their mistake and refuse to offer any assistant to resolve this matter which can be reolve in a short period of time.
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

THE XXXX XXXX XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Consumer complaint received 2022-06-03
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. (GA)

In accordance with the Fair Credit Reporting act the below accounts 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 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.

Validate/inaccurate reported late payments. 

the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 have not supplied proof under the doctrine of estoppel by silence Engelhardt v. Gravens ( Mo ) 281 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

Unauthorized/Erroneous Account RESULT OF the XXXX Data Breach Direct Violation of The FCRA Reporting falsely Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 

Mistaken identity/ does not belong to me. 

Validate this false charge off it does not belong to me. 

Verify This invalidated account. 

inaccurate/invalidated account Prove it. 

this account is false and not mine Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.

Sec. 1681a. Definitions ; rules of construction ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

XXXX. XXXX 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 2020-04-06
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. (MD)

THE XXXX XXXX XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Consumer complaint received 2022-02-12
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harley Davidson Financial Services Inc (AL)

Sunday XX/XX/2022 I received a called from Harley Davidson advising that my payment was due after which I explained to the female that I was sick XXXX XXXX and I would make the payment when I recover. She then told me that calls would continue and I told her that if I asked them to not call, they had to cease their harassment. They have called everyday and now calling my place of employment. This is clearly harassment
Consumer complaint received 2020-04-06
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: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

There are items in collections on my credit report that I have no knowledge of and did not authorize under any circumstance. I have already disputed these with all 3 credit bureau 's ( XXXX, XXXX, XXXX  ) in which nothing has been done. The collection items are from XXXX XXXX XXXX XXXX for the amount of {$660.00}, and Portfolio Recovery for the amount of {$900.00}. I have never had either one of these accounts. This is fraudulent.
Consumer complaint received 2020-04-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MD)

THE XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Consumer complaint received 2020-04-06
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. (AR)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report form XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$750.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX  XXXX {$16000.00}
Consumer complaint received 2023-02-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION (IL)

We ordered windows through window nation sometime early last year. The windows arrived sometime in XXXX months after they were promised to us. We did our financing for 18 months no interest and payments over that time with XXXX XXXX XXXX XXXX out of Florida. XXXX XXXX XXXX was not supposed to pay window nation until all of the work was complete. We still have windows that have not been installed and when XXXX XXXX XXXX asked us whether or not the work was done on 2 separate occasions via email we told them that the blood work was not yet complete and please do not pay when donation they went ahead and paid them anyways now we are still waiting on a window to be installed and repairs to be made yet XXXX XXXX was paid. I have real issue with XXXX XXXX XXXX issuing payment for a job that was not complete especially after we told them on 2 separate occasions that it was not done. Now XXXX XXXX XXXX is coming after me to make sure that my payments are on time when the work is STILL INCOMPLETE!! And surprisingly window nation is not responding to my inquiries.
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

THE XXXX XXXX XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.