davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-08
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: Experian Information Solutions Inc. (NY)

I was alerted by XXXX XXXX and notified by Experian, XXXX and XXXX XXXX that there seemed to be a discrepancy in my credit report, so I printed it out. I recently had fraud on my banking checking and savings accounts, had to close them and open new numbers for these accounts. I became very concerned about this alert from XXXX XXXX and the credit bureaus. 

I found that a " XXXX XXXX '' was on my report. I have no idea what this is, for it does not belong on my report. 

The other legitimate accounts on my report my wife and I do recognize.
Consumer complaint received 2021-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PENTAGON FEDERAL CREDIT UNION (IL)

On XX/XX/2021 i applied for credit in which i was denied for the amount of {$12000.00} and received an adverse action letter from penfed credit union. Pursuant to 12 CFR 1002 regulation b, it protects applicants from discrimination in any aspect of a credit transaction. Penfed has discriminated against me and discouraged me to extend credit. Also pursuant to 15 USC 1681a ( k ) ( 1 ), it was never mentioned a denial for credit. Penfed has violated my federally protected consumer rights and has caused emotional and mental stress after reading the adverse action form sent to my home, showing they are willingly and knowingly taking action in false and misleading practices. Such violations hold penfed criminally and civilly liabel. Attached to this complaint is the adverse action form from penfed. There is no third party involved in this complaint, i XXXX XXXX give authorization for the CFPB and PENFED CREDIT UNION to move forward with this complaint.
Consumer complaint received 2021-11-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

Hello I have had numerous of calls from Chase since 2017 for me to apply for a modification. I have been denied 20 times and that is the sole reason my mortgage is at default. Misleading information and I have proof of the request for modification over the 4 years.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXXXXXX XXXX XXXXate of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX XXXX Date XXXX inquiry : XX/XX/XXXX The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2016-03-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION (VA)

My loan is with Sallie Mae. I have an ongoing, terrible situation with Sallie Mae private loan department. I have spoken to several different customer advocates who have been able to help some but the last one I spoke with les me astray and now Sallie Mae says I owe {$800.00} immediately which I do not have. 

I took a private loan in XXXX 2013 so I could finish XXXX school and my father in law cosigned. Ever since my loan has graduated from the grace period, Sallie Mae always calls and harrasses my cosigner and NEVER contacts me. I have to speak with the customer advocate who has helped with payments but never handles the issue of my cosigner receiving XXXX % of calls and mailings. I have yet to receive anything. 

I have used my forbearance time and am having trouble paying. My husband has been out of work and we have recently moved to take new jobs and our income has yet to catch up. My cosigner is in poor health and does not work. I spoke with a customer advocate who said I could sign up for an income based plan which would take my payments from {$210.00} to {$68.00} which is much more doable. And would erase my late fees once I made three payments. I spent over an hour on the phone with her going over my financials, as did my cosigner. She then called back the next day and said she had to forward to financial for approval and asked me to go over my financials again saying that because I had a monthly deficit that financial would not approve me and we should try to change some things. I was confused and worried because neither myself or my cosigner have available funds. She said she would call the next day. We also set up two years of payments at the {$68.00} amount. 

It took her four days and when she called back she was very curt and said financial said between me and my cosigner we made too much for the income based and the payment would stand at {$210.00} and we owed {$800.00} back payment. She could not extend the amount or help with any postponement of payments. She also never addressed the problem of the reps calling and threatening the cosigner. 

I am really at a loss now. I do not have {$800.00} to get caught up and neither does the cosigner. I can pay the {$68.00} if I can get the income based payments. When I signed on originally I was told the payment was {$25.00} a month while in school and payments would be calculated once I graduated. One month they took {$25.00} and the next {$210.00} without warning or notice ( I was on automatic payments then ). 

I want a company where I can call and get solutions. Not rude customer service agents or advocates who ask me to change financials and then do not get approved.
Consumer complaint received 2022-03-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: State Collection Service, Inc. (MO)

This debt is claimed to be owed XXXX XXXX, XXXX XXXX XXXX, according to XXXX XXXX for which I am an employee of, the debt as been satisfied. When I contacted the debt collector I was told that I owed {$6.00}, when I tried o report to them that the debt was completely satisfied they ignored me and has continued to ssend notices and make phone calls.
Consumer complaint received 2021-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (TX)

It seems that American express has difficult time getting new customers or retaining old customers that's why they are making it really complex credit card closing terms and conditions. I had a Blue cash prefferred card opened during XX/XX/XXXX. Today when i called to cancel it, I spoke to XXXX ( XXXX XX/XX/XXXX at XXXX XXXX  central time ) who told me that if i cancel it before 12 months, I will be asked to return back {$300.00} that American express gave me as part of statement credit. I told that i earned that NOT American express just gave it to me. 
She told me that it was mentioned in the card member agreement. When i asked her to send it to me by email, she said that it will sent by paper mail. 

When i requested to make a note in her file and cancel my card on XXXX XXXX XXXX she said that she can't schedule it and i need to call again.
Consumer complaint received 2021-11-07
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: Financial Data Systems (TX)

I initially submitted a previous complaint regarding the same issue ( # XXXX ). I just received a written response from XXXX. The issue is still unresolved and just as troubling my credit report is filled with inaccuracies regarding my personal information. To recap, the merchant XXXX XXXX XXXX 2 reported 2 accounts as delinquent to both XXXX and XXXX in XXXX. Both companies concluded neither account belonged to me. In XXXX, the same merchant again reported the same 2 accounts to both credit reporting agencies. However, while XXXX again concluded neither account was mine, XXXX now says they are mine. In the credit report XXXX sent me, they did not.provide me receipts or any other documentation showing the accounts are mine. They simply stated, " we verified that this item belongs to you. '' But no details were included, not even an address " unknown ''. So I am absolutely stating these accounts are not mine. And after reviewing the personal details of the credit report XXXX sent me, I am 100 % certain I am the victim of identity theft and/or fraud. Here are the reasons why : 1. My name on the report is listed as XXXX XXXX XXXX XXXX ( I have never in my life added any suffix to my name. 

2. The report lists a previous address as XXXX XXXX XXXX, XXXX, TX XXXX. That house is across the street from me. I HAVE NEVER LIVED THERE. My fear is the postboffice may have inadvertently delivered mail to the incorrect address at some point. My now deceased wife was an identity theft victim years ago when our mailbox was breached. 

3. The report also lists a previous address for me as XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. I HAVE NEVER LIVED AT THAT LOCATION. 

4. Lastly, the report states both collection accounts were created on the same day with 2 separate account numbers on the same day ( # XXXX & # XXXX ) .How is that possible when I am one person? In addition, I have had excellent medical coverage through my employer for the last 16 years. Due to extensive health issues I met my deductible early in XXXX and certainly would not have had a copay for any medical services especially in XX/XX/XXXX. Nor would I have received any medical services from any provider who did not accept my insurance. 

XXXX had not provided me with ANY documentation or tangible proof that these 2 collection accounts belong to me, other than to say, " we verified this item belongs to you. ''
Consumer complaint received 2023-01-20
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. (TN)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- --. 
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 an account without written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items. Of information Any other adverse item of information, other than records of convictions of crimes with antedates the report by more than seven years.15U.S.C.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

please take off these address i sent a complain about a year ago and no actions have been taking. please delete these addresses from my credit profile. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX, GA XXXX also XXXX XXXX XXXX Only right address is XXXX XXXX XXXX XXXX go against Accuracy and Integrity : The Fair Credit Reporting Act ( FCRA ) in the United States requires credit reporting agencies to maintain accurate and up-to-date information in consumer credit reports. This includes ensuring that addresses associated with an individual 's credit report are correct.
Consumer complaint received 2023-10-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I am writing to express my deep concern and frustration regarding the recent actions taken by Portfolio recovery in connection with an alleged debt. It has come to my attention that Portfolio Recovery has engaged in what appears to be a serious violation of the statute of limitations and, in the process, has subjected me to undue stress and inconvenience. As per the Fair Debt Collection Practices Act ( FDCPA ), creditors and debt collectors are bound by specific rules and regulations when it comes to the collection of debts, including the statute of limitations. Under the law, a debt becomes time-barred after a certain period, beyond which legal actions can not be taken to collect the debt. This debt was charged off in XXXX. In my case, I understand that the statute of limitations for the alleged debt in question had already expired, which is typically seven years in most states. During this time, the debt was in collections, and it adversely affected my credit score. However, to my surprise, Portfolio Recovery removed the collections account from my credit report but then took the drastic step of filing a lawsuit to collect the debt, well after the statute of limitations had expired. Furthermore, I want to bring to your attention that I never received any formal notice regarding this legal action. I was completely blindsided by the lawsuit, which is not only distressing but also a clear violation of my rights as a consumer. I believe that I should have been informed of the lawsuit and given an opportunity to respond appropriately within the legal time frame. Additionally, I am deeply troubled by the false and misleading information provided by the attorney office Portfolio Recovery hired, which erroneously claims that they have a 15-year window to collect on this debt. This misinformation has caused significant confusion and anxiety on my part.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

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. 1234, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

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. 1234, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-08
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: Experian Information Solutions Inc. (GA)

I sent a letter to Experian, XXXX, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-17
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: CITIBANK, N.A. (TX)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2015-08-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ProCollect, Inc. (TX)

My previous apartment wrongfully placed us on collection without us being notified about it. I went into contact with the apartment and they agreed to settle and remove the collection they had placed on me because it is a fault on their side since i gave a move out notice complete with the my new address and phone number but i was not contacted. Several weeks goes by and my apartment said it has been taken care of but the collection is still showing on my credit report and i have tried to contact the collection agency many times they just keep saying they ca n't access the account # and send me to voicemail of some guy which never calls me back after me leaving messages
Consumer complaint received 2016-07-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: KEYCORP (OR)

My name is XXXX XXXX with XXXX. I have been hired by the sellers to help facilitate a short sale on their behalf. I have been working diligently with PHH Mortgage on getting them the docs they need to get this moving however for the last 3 months the file has been stagnant. Not even the negotiator from PHH can tell me what is going on. All I hear is it is with the investor. The sellers are upset, the buyers are losing hope and the agents are furious. 
It seems PHH Mortgage is keeping this loan for some reason and does not want it to have a short sale.
Consumer complaint received 2021-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

In XX/XX/XXXX I purchased an at home XXXX  service and products. Shortly after purchasing the service for over {$2000.00}, the company ( XXXX XXXX ). failed to live up to the service they sold and the products were faulty. In XXXX of XXXX I filed a charge back with Citi Card, and for 3 months they investigated based off of my brief complaint and did not ask me to provide any additional information until XX/XX/XXXX. Once they received my additional information, they assured me that Citi was on my side. On phone calls and in letters, they described to me that Candid was in the wrong and should issue me a refund. While Citibank found my request valid, they said that they could not reclaim my payment to Candid and that I would have to pursue another avenue such as hiring a lawyer or filing a XXXX  claim. However, Citibank has contradicted itself many times in our interactions : for example, they stated that if the merchant admitted their wrongdoing and offered me any form of a refund, then this would constitute a chargeback and dismissal of the bill. I showed Citibank this in writing, but they still denied my request. Despite finding that the merchant was at fault, Citi told me that they were not going to be able to return my funds, and that I would need to pursue other options. 

Furthermore, Citibanks service throughout this process was highly irresponsible. In order to move my claim along, I had to call frequently and correct their account of the events. Citi also told me contradictory information on many occasions, and assured me that this case would be resolved in my favor. Despite speaking with a supervisor, they told me there was nothing more for them to do. When I requested to speak to another supervisor or superior, I was simply told no.