davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-22
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I would like to bring your attention to issues I'm having with Specialized Loan Servicing who is  servicing my loan that includes incorrect mortgage late and some late charges that they are not able to verify. I have been trying since XX/XX/2019 and ever since they took over the servicing of my loan to resolve these issues with them but constantly getting a run around and promises to return my calls that never happened. 

The servicing of my loan was transferred from XXXX XXXX XXXX to Specialized Loan Servicing on XX/XX/2019 and I was never notified either from XXXX  XXXX XXXX or from Specialized Loan Servicing. My loan is a 2nd mortgage and my payment is due on the XXXX of every month. I made my XXXX payment to XXXX  XXXX XXXX but money was never taken out of my account and when I called XXXX   XXXX XXXX I was told that servicing of my loan has been transferred to Specialized Loan servicing as of XX/XX/2019 and I was given the phone number to contact the new servicing company. I called Specialized Loan servicing and was told that they have just received my loan and it is due for XX/XX/2019 payment. I then immediately made a payment over the phone with the representative on XX/XX/2019. Please note that my payment is not due on the XXXX of every month and instead it is due on the XXXX of every month with a 10 day grace period. So the payment I made over the phone on XX/XX/2019 which was for XX/XX/2019 payment and still under 30 days. However as per their verification of mortgage history that I printed from my on line portal clearly shows that I have 1 late mortgage payment within 31-60 days and that needs to be corrected. 

Also there are some past due charges in the amount of {$190.00} showing on my account. I was told that these are the late charges from my previous lender that they received. I called XXXX  XXXX XXXX and was told that since they no longer have my account they will not be able to provide any information. Specialized Loan Servicing is not able to verify this amount and I requested from them to remove these charges. 

Specialized loan Servicing is not reporting my mortgage with any of the credit agencies and therefore I have to rely on their mortgage history which is incorrectly showing a 30 day mortgage late and that have preventing me from refinancing my home loan.
Consumer complaint received 2022-05-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Partners Financial Services Inc (FL)

Last week I received a letter from Partners Financial Services , Inc. collecting a {$2000.00} debt to XXXX XXXX XXXX University in XXXX XXXX, Florida. 

You must first know that I do not know what they are charging me, I did not know anything about that debt. 

In XX/XX/2021, I enrolled at the XXXX University to take English classes, they offered online classes from Monday to Friday in the morning, I enrolled with XXXX dollars, and the monthly fee was XXXX dollars. I started the first days of XXXX, online and the first class Professor XXXX XXXX asked me what I was doing there, because that was a class for advanced English speakers, and that he did not give classes to beginners. He told me that he would talk to the Manager to change my class. In the same way, I also went to speak in person with the Manager the next day. He told me that he was going to send me to another class. So I did, the next day, I went to the link and it was another class for university students who were in their degree projects, that is, they were not classes to learn English. I went back to speak with the Manager and he sent me again to XXXX XXXX who with an annoyed expression told me that he could give me beginner classes from XXXX XXXX XXXX XXXX XXXX, one hour a day and that if I wanted I could enter the level class. advanced. For my level they were giving me an hour of classes a day and I had paid for 4 hours, they were not complying, I attended their classes for almost two months, until I found another university that gave classes for my level. I went to the XXXX XXXX XXXX University in XXXX XXXX to tell them that I was leaving for those reasons, and the Manager told me that I had to pay for the full semester, I told him that I couldn't, because they hadn't met the classes, I asked him for a copy of the contract that I had with them to pay for the semester and he told me that he would send it to me, and I never received a copy, nor did I hear anything from them until now that I received a letter from a debt collector. 
Please, I just want justice to be done because they did not fulfill their commitment. 

I appreciate all your help, because I can't afford to pay {$2000.00} for services I didn't receive. 

XXXX XXXX Phone XXXX XXXX email : XXXX XXXX
Consumer complaint received 2023-06-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Upstart Holdings, Inc. (LA)

I was diagnosed with COVID 19 and out of work for a week beginning XX/XX/2023. I did not receive a full paycheck. 

I was recently diagnosed with XXXX XXXX and spent over a week in a XXXX XXXX XXXX. I called them to notify them of my situation on Friday XX/XX/XXXX and to see if there was any way to make a settlement or refinance the loan with a co-signer. I was told no one was available to discuss this option and I would be called back. I did not receive a call back. I called again on Monday XX/XX/XXXX and was left on hold and never was able to get anyone on the phone. I called again on Wednesday XX/XX/XXXX. I was told again there was no one available to take my call and that they would have someone call me back. This creditor has made no attempt to respond to my communications in reference to this loan. I am attempting to right my delinquency and have not been afforded the opportunity.
Consumer complaint received 2022-05-20
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. (MI)

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXX Balance : {$340.00}
Consumer complaint received 2022-05-20
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. (GA)

Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Bureau for them to verify and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681iwithin the time declared by law and continued reporting of unconfirmedinformation which now, given all my attempts to address it directly with theBureau, as willful negligence and non-compliance with federal statutes. Pleaseremove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$240.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$230.00} SECURITYCRED ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$240.00}
Consumer complaint received 2022-05-20
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: Experian Information Solutions Inc. (AL)

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. 

XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish a account without written consent.
Consumer complaint received 2023-10-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX copy of my Identity Theft Report and proof of my identity. 

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2022-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRUIST FINANCIAL CORPORATION (VA)

I was given a {$250.00} Visa Truist debit gift card from my mother for XXXX. Yesterday, XX/XX/XXXX, I tried to use it but first checked the balance to make sure the full balance was available. It was not. There were XXXX transactions made on XX/XX/2022 totaling {$240.00}. None of them were made by me. I do not recognize any of the company 's listed in the transaction history. I contacted Truist bank and they were not helpful. They said I had to contact each of the vendors and ask for the money back. I did not contact each company because some do not look like legit businesses to me. I have no idea how anyone was able to obtain the card number because I've never used it and it's been sitting in my home unused. 

The charges went to the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

Bank of America inquiries are not mine bank states that they had a problem with me before this is not true this is nit my inquiry
Consumer complaint received 2019-07-27
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)

My credit report had an account listed from that are not mine. I disputed the accounts with the credit bureau as " not mine '' but it recently came back as verified ... I have never had an account with these companies. Please delete immediately before further harm is done ... XXXX XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX ), XXXX XXXX XXXX, XXXX XXXX XXXX  ( reported duplicate on Equifax credit report ) .. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is
Consumer complaint received 2022-05-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

There are 5 accounts reporting on my credit that in fact do NOT belong to me. I have called them, filled out affidavits and I feel like a victim all over again. 
capital one bank acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-16
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Peter Roberts & Associates, Inc. (NJ)

I was sent a bill of debt collection for the amount of {$400.00} from Peter Roberts & Associates , Inc, a collection bureau. The creditor is XXXX XXXX XXXX XXXX. In the bill the company has violated many of my rights under the Fair Debt Protection Act. Such codes as 15 USC 1692 b ( 2 ) for sending my debt to experience, XXXX and XXXX credit bureaus along with sending notice to my name spelled in all capitals as that is not my name and was pursued to owe this debt. Along with other codes such as, 15 USC 1692 e ( 2 ) ( a ), 15 USC 1605 ( a ), 15 USC 1692 f ( 1 ), 15 USC 1692 d ( 2 ), 15 USC 1692 f ( 6 ), 15 USC 1692 f, 15 USC 1692 c ( a ), and 15 USC 1692 b ( 5 ).
Consumer complaint received 2022-05-20
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX, XXXX. 
CREDITOR XXXX XXXX XXXX XXXX XXXX DATE ASSIGNED : XX/XX/2019 AMOUNT OWED : XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Consumer complaint received 2022-12-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2022-12-17
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: EQUIFAX, INC. (NY)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX ( Date Opened : XX/XX/XXXX, Balance : {$520.00} ) Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

This communication serves as a follow-up to my previous complaint, as there are still lingering inquiries present on my credit reports requiring attention. I am resubmitting my FTC report # XXXX for your reference. The remaining inquiries to be removed from my credit reports are as follows : EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

I got a card at Macys it was {$100.00} I used to make the payments on time but I got layoff due XXXX and thats why I cant keep pay it, I dont have a job right now
Consumer complaint received 2021-11-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/2021 I sent Transunion my dispute. According to the certified mail confirmation, the company received the dispute on XX/XX/2021 at XXXX PM. It is currently XX/XX/2021 and Ive yet to hear back from the company. The FCRA guess the company 30 days to respond. Its been over XXXX weeks since I sent my dispute, so they are well over there required 30 days. I thank you in advance for your assistance.
Consumer complaint received 2019-11-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (CA)

I'm a week late on my due date, I been paying this debt off cause I closed the account a year ago. I see there is a late fee when I made a payment of {$40.00}, the late fee is {$39.00}! I call their number to get it waived. First lady says she can't. I ask to put a manger on the phone. I wait and then it's just a normal person like her. She lied to me and the next guy told me the same thing telling me that he can't help me out cause the account the is closed. I told them that they lie all the time at this company.They kept transferring me hoping I just would hang up. they been calling me every 30 mins for 6 days straight. but never leave a voice mail. Sometimes i'm sure they are calling from a blocked number as well. This company is a dumpster fire
Consumer complaint received 2022-05-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Georgia Student Finance Authority (TX)

I have a private student loan through Georgia Student Finance. On XX/XX/XXXX my loan was transferred to a collection company ( XXXX then to XXXX ). While with both companies I was in the loan rehab program paying {$300.00} per month for 11 months. In XXXX of XXXX, my file was suppose to transferred back to XXXX. When I called to get reinstated I was told that account went to another servicer and none of my payments were reflected. On XX/XX/XXXX I got a student loan interest statement stating I paid {$3400.00} in interest. The original balance of {$25000.00} is still being reported as delinquent and XXXX keep reporting to the credit bureaus monthly.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (ID)

I have disputed so many items that are on my credit report. Items that I requested to be removed. Old accounts or account I paid and closed. But all three company 's refuse to remove them I have put so many disputes and no nothing they don't correct anything or fix it. What else can I do
Consumer complaint received 2022-12-17
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. (NC)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-17
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. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-17
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. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX