davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-16
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. (OH)

I have been disputing 2 separate accounts on my credit report since XX/XX/21. Since the initial letter that I sent on XX/XX/21, I have sent 3 more letters on 3 separate occasions requesting a real investigation be completed into these accounts. The second letter was sent on XX/XX/21, the third letter on XX/XX/21 and the forth letter on XX/XX/21. I have yet to received a substantial response about these accounts. My last letter I sent on XX/XX/21, I requested the method of verification for these accounts and have not been provided that information which is a violation of my rights with the FCRA. I feel like my request are being ignored. There are clearly errors regarding both accounts if anyone really took the time to do a real investigation. I have the right to complete and accurate credit report. And it is worth mentioning that I was affected by the Equifax Data Breach which is all the more reason that my credit report be completely accurate.
Consumer complaint received 2021-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Yesterday Bank of America closed my credit card. When I called them to see what the problem was I was told they could close it at any time. I have never been late on payments. I do not want my credit reporting damaged because of this. I have all statements, my next payment is not even due until XX/XX/2021
Consumer complaint received 2021-09-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (PA)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2021-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc (TX)

I purchased a home in XX/XX/XXXX and secured a loan from Mid America Mortgage. I have had continuous payment processing issues since the inception of the loan and have attempted to resolve this issue with the lender numerous times without any success. Today I called and asked to speak to a supervisor and the first agent told me to hold for a supervisor and then hung up on me. When I called back, the next agent refused to let me hold the line so I elected instead to send a complaint. Additionally, I signed up for an XXXX  Accelerator Program to make payments on my behalf however, there are still payment processing issues. 

According to my XX/XX/XXXX statement from Mid America, they are saying I have an outstanding balance of {$4900.00}. 

Please find below a list of the dates/activities that have occurred as of today : XXXX XX/XX/XXXX - Mortgage Payment Made ( as part of closing ) {$8400.00} XX/XX/XXXX - Payment Reversed {$8400.00} XX/XX/XXXX - Mortgage payment reposted {$8400.00} XXXX XX/XX/XXXX - Mortgage Payment Submitted - {$2300.00} XX/XX/XXXX - Mortgage Payment Reversed - {$2300.00} XXXX XX/XX/XXXX - Mortgage Payment Submitted - {$2300.00} XX/XX/XXXX - Mortgage Payment Submitted - {$2300.00} XX/XX/XXXX - Mortgage Payment Reversed - {$2300.00} XX/XX/XXXX - Signed up for EquityPlus Program XX/XX/XXXX - Canceled ACH Recurring Payment with Mid America XX/XX/XXXX - Equity Plus started withdraws from my account XX/XX/XXXX - Mortgage Payment Made - {$2300.00} XXXX XX/XX/XXXX - Equity Plus sent payment to lender - {$2300.00} + {$10.00} additional principle XX/XX/XXXX - Mid America Reversed the Payment - {$2300.00} & did not show receipt of additional principle ( {$10.00} ) XXXX XX/XX/XXXX - Equity Plus sent payment to lender - {$2300.00} + {$7.00} additional principle XX/XX/XXXX - Mid America shows receipt of payment + additional principle on XX/XX/XXXX statement XXXX XX/XX/XXXX - Equity Plus sent payment to lender - {$2300.00} + {$7.00} additional principle
Consumer complaint received 2021-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

I have been trying to unfreeze my minor children 's credit files since XX/XX/XXXX. I originally submitted all the required paperwork in XX/XX/XXXX via fax. I called to check on the status and was told they threw the paperwork away because it was " too light '' ( no one reached out to me to tell me this ). I refaxed the paperwork and mailed a hard copy. I was given a confirmation number over the phone that the freeze was temporarily lifted until XX/XX/XXXX. When we went to the bank to open checking accounts, the bank was told the accounts were still frozen. I called Equifax back and was told that they couldn't find ANY paperwork this time. I sent all the paperwork via fax and mail AGAIN ( this was in XX/XX/XXXX ). Then I was given confirmation numbers that the freezes were permanently lifted. We went back to the bank. We were still unable to open checking accounts because Equifax told the bank the accounts were frozen. I mailed paperwork AGAIN in XX/XX/XXXX. Today, XX/XX/XXXX, I was told they do not see that paperwork anywhere. I was told they can not even access the accounts to see if the freezes are in place or not without the paperwork since the kids are minors. ARE YOU KIDDING ME??? How many times do I need to fax/mail this paperwork with all of my children 's sensitive data?? This is the most inept organization I have ever had to deal with! All I want to do is unfreeze my kids credit long enough for them to be able to open their own bank account. It should NOT be this hard!!!! I had no trouble with the other 2 reporting agencies. Why is Equifax so horrible?
Consumer complaint received 2020-11-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi this debt is fraud - Ive already disputed and it was deleted due to fraud. The company XXXX collection was sold the debt from credence while credence knew the debt was flagged as fraud and deleted attached is the correspondence.
Consumer complaint received 2021-09-16
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: SYNCHRONY FINANCIAL (WA)

On XX/XX/2021 I tried to use pal pal credit to purchase an item from XXXX. When I tried to use pay pal to purchase the XXXX app froze and would not complete the purchase. I got ahold of a pay pal customer service rep to rectify the problem they said there was nothing they could do to complete the purchase and instead directed me to XXXX site representatives. I did contact XXXX however, they offered no solution to the transaction not processing and directed me back to pay pal. Over a period spanning the next week I spent no less than 20 hours trying to get the problem fixed. I never received the item and to this day the item shows it is still processing. I have included a complete XXXX statement which shows my purchase history and explanation to the company, XXXX Synchrony Bank ) who has determined that I am labial for the incomplete transaction. I have included my transaction history with this complaint, ( and as I did to Synchrony Bank ) and am asking that this false credit reporting be investigated. I have also talked with XXXX at XXXX several days ago who said they would " look into it ''. I should not be held liable for a faulty transaction. I received nothing as their payment would not process.
Consumer complaint received 2021-01-04
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: Resurgent Capital Services L.P. (CT)

On XX/XX/2020, I received a letter/bill from Resurgent Capital Services in the amount of {$610.00} and there is a derogatory mark on my credit report with XXXX. Upon further research, this account was sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it is mine. According to FCRA, Resurgent Capital Services has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2021-01-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (FL)

On XX/XX/2020, I received a letter from SRM collection agency regarding an outstanding debt for {$550.00} with XXXX, which they implied was mine. I have never had an account with XXXX or ever used, or co-signed for someone else to use, their services in any way. The name on the account was for someone with the same first and last name as mine was prior to my marriage ( and name change ) which was years prior to the original opening of the subject delinquent XXXX account. Although I live in the same state as the apparent person who opened the delinquent account, I reside over XXXX miles from the location it was initially opened/activated from. I have also never lived in that part of the state. I have never even had a phone number within the area code of the number associated with the delinquent account, much less the exact number itself. 

On XX/XX/2020, I sent SRM a letter disputing the debt. I requested additional information regarding the debt and clearly informed them it was not mine. 

I later received a letter from SRM, dated XX/XX/2020, further accusing me of the debt and providing me some additional information as requested. I sent them another letter XXXX dated XX/XX/2020 XXXX providing additional information as to why it is not my debt and that I have considered the matter closed as far as I am concerned. 

I received another letter XXXX XX/XX/2020 ) from them, now saying that I had indicated that I was victimized by identity theft. I never said that. I do not believe this is due to identity theft. I honestly believe they are simply accusing me of this debt because, in the past, I had the same first and last name, at one time, and, I happen to live is the same state as the actual guilty party. It appears to be poor or sloppy research on their end as they are absolutely accusing the wrong party of this debt. 

Please help get this collection agency to realize I am not the individual responsible for this account. I never opened it, used it, or ever even had an account with XXXX in my entire life. I consider this matter closed as far as I am concerned and truly wish they would stop accusing me and focus their efforts on locating the actual guilty party.
Consumer complaint received 2021-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Credit Bureau XXXX, Transunion, and XXXX failed to reply to letters I sent in before on accounts that are being negatively reported. 

I have reached out to them via mail and fax and no reply in 4 attempts.
Consumer complaint received 2021-09-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 consumers 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. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2021-01-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (GA)

I have had a collections notice placed on my credit report by Franklin Collection Service Inc at the request of XXXX. Upon contacting Franklin to learn what the debt was, it was clear this was not my debt : different state, address, phone and email. There is no evidence I owe this debt. I was never contacted prior to being placed into collections. 
Franklin refused to remove the collections notice from my credit report and required I provide them with written evidence the debt isn't mine ( which is backwards, they should provide evidence the debt IS mine ). 

This account was opened while I : a ) had a fraud notice was on my credit file due to the XXXX  data breach b ) my credit was locked with all three credit bureaus c ) the account was opened using none of my personal information beyond my SSN I have attempted to contact XXXX  3 times today. I've waited on hold for over 60 minutes with their " Fraud Team '' and ultimately they just hung up on me without my call being answered. Other people at XXXX  just forward me to this " team '' who never picks up the phone. I see no way that I can resolve this without your help.
Consumer complaint received 2021-01-04
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: Strategic Alliances, Inc. (GA)

I have contact the company multiple times letting them know I have never done business with their company nor the company that they are reporting for. They have advised me that it would be removed from my report but they continue to report the information
Consumer complaint received 2024-02-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OR)

I have federal student loans. Mohela is now my loan servicer. I am on an income driven repayment ( IDR ) plan. 

Mohela has incorrectly identified my IDR recertification deadline and has failed to correct it despite telling me they would do so. 

In XX/XX/XXXX, I noticed on my Mohela homepage that they said I needed to submit a IDR recertification by XX/XX/XXXX for a recertification deadline of XX/XX/XXXX. However, this is incorrect. According to XXXX, anyone with a recertification date prior to XX/XX/XXXX should have their recertification deadline pushed out by one year. You can see this at https : XXXX, under " When do I have to recertify my IDR plan? ", where they state the following : " The earliest you could be required to recertify is XX/XX/XXXX. On your account My Aid page, you may still see a recertification date that is earlier than XX/XX/XXXX. We are working to get those updated, and we thank you for your patience. If your recertification date falls between now and XX/XX/XXXX, it will be pushed out by one year. For example, if your account says your recertification date is XXXX XXXX, XXXX, that date will be pushed out to XXXX XXXX, XXXX. '' On XX/XX/XXXX, I called and spoke with a Mohela representative. After an hour on the phone, and after discussion with their supervisor, the representative agreed that I was correct that my IDR recertification date was incorrect and should be pushed out by a year. They told me that they ( Mohela ) were still in the process of updating IDR recertification dates and to " be patient '' and wait and that mine would be updated prior to the upcoming deadline. They told me at that time that I did NOT need to recertify. 

I also contacted Mohela via XXXX on XX/XX/XXXX and have not yet received any acknowledgement or response. I did receive a response from @ XXXX on XXXX, confirming that I was correct. I contacted Mohela on XXXX again on XX/XX/XXXX. 

I also submitted a request to my local congresswoman for support, but have not yet received a response. 

My account has yet to be updated with the correct IDR recertification date. On my Mohela homepage, it currently says that I am overdue to recertify my IDR plan and that my next payment ( due XX/XX/XXXX ) will be on the standard payment plan rather than IDR, which is a dramatically higher payment. This directly contradicts the instructions from the federal government, as I outlined above, and also contradicts what I was told by a Mohela representative.
Consumer complaint received 2021-01-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

I have reached out to the bureaus on XX/XX/2020 and I haven't received any type of indication/notification of the investigation being worked on. I feel like i'm being taken advantage of at this point. According to the FCRA these inaccurate unverifiable items must be deleted immediately. It's been well over 30 days I just want these problems resolved.
Consumer complaint received 2021-01-04
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 — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (IN)

I notified the company of inaccurate reporting of the date of last activity, the incorrect amount, and never received a response from the company. Ive made several contact attempts and never receive a response in writing.
Consumer complaint received 2021-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

USAA is reporting an old debt on my credit file and it needs to be removed. Under the FCRA this account is in violation because it is 7 years old and needs to be removed from my credit. It is also past the statue in North Carolina and they can longer come after the debt. This needs to be removed from my credit immediately.
Consumer complaint received 2024-02-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

XXXX till XX/XX/XXXX I was incarcerated in the state of California correctional during this time my identity was compromised IDs, Social Secuity number used for applying for credit cards and other loans which is on my credit reports of XXXX, XXXX XXXX and XXXX.
Consumer complaint received 2021-01-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

FAIR COLLECTIONS & OUT Original creditor : XXXXXX/XX/XXXX {$5000.00} This account does not belong to me I have contacted the original creditor and collections agency to verify the validity of this account and have yet to receive proof of ownership of account or service rendered.
Consumer complaint received 2021-01-04
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. (NJ)

Hello, I recently had suspected fraud on my SSN and noticed there are a bunch of inquiries on my credit report that are not authorized or known to me. The suspected stolen identity has already been reporting to the government including IRS and others. As per the Fair Reporting Act, please remove the following inquiries from my credit report promptly : - XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX Thank you, XXXX XXXX
Consumer complaint received 2020-11-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (GA)

I have a auto loan from Santander Consumer USA for XXXX XXXX XXXX. The loan dates are from XX/XX/XXXX to XX/XX/XXXX. The loan has reached maturity and Santander claims I still owe them {$3200.00}. I have made two additional payments since the maturity dates were reached ( XXXX and XX/XX/XXXX ) as well a double payment for the month of XXXX. The double payment in XXXX was for any late fees associated with my account. I went through a tough financial stretch at the end of XXXX and continuing into XXXX. Santander offered to cut my payment down from {$360.00} to XXXX for 6 months. I payed {$220.00} for XXXX and XX/XX/XXXX and then {$300.00} for XXXX to XX/XX/XXXX. I was not made aware that these payments would go directly to interest when I spoke to an employee in XX/XX/XXXX. I spoke to an employee on XX/XX/XXXX about my principal balance. She explained that I had accured {$300.00} in late fees. So I made a double payment for the month of XX/XX/XXXX. I also spoke to an employee on XXXX XXXX, XXXX inquiring about why my balance was so high. I asked for an itemized copy of the charges and was told that Santander doesn't do that. He instead sent my payment history. I need to settle this loan but feel like I am being taken advantage of by Santander.