davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-29
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: WSFS FINANCIAL CORPORATION (NC)

My husband and I applied for a mortgage loan and had to sign off on the credit report however, on the report from all 3 credit report agencies it shows I have the exact same loan with a different account number open on the report and the same open date, etc meaning 2 active student loan accounts. I contacted my current loan agency and can attach their response ( it wouldnt allow me ) to me but in a nutshell they say I only have 1 active account on their end but they think the last account holder never closed the loan out after they sold it to them. The creation date for both is XX/XX/XXXX the last loan agency handled my loan until XX/XX/XXXX and then it went to my current loan agency. One loan says I owe {$36000.00} and the other {$36000.00}. This is affecting everything I apply for when it comes to credit and its not even my fault. I need help, please. 

I have lots of documentation via email about this.
Consumer complaint received 2021-12-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

I have called this company and I have requested multiple times to have the verification of this account sent to me. I have never received anything from this company I do not know why this is on my credit bureau and I dont even know what Im being billed for. I do not get an answer back from the company I have called multiple times I have emailed them and I have tried to dispute this with you people multiple times as well and I get nowhere. 

I am seriously so done dealing with this somebody needs to get back to me and we need to figure out what this is and what Im being charged for. 

This is unacceptable. 

I am requesting information on the collection account fair collections and out. It says the original creditor is XXXX XXXX- I dont know what that is.
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Disputing late payments reported for XXXX XXXX XXXX on credit reports. On time payments were made. Report payment history with an X to represent Unknown or delete XXXX XXXX XXXX account in entirety from credit reports.
Consumer complaint received 2021-12-29
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, XXXX XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX US DEPT. OF EDUCATIONXXXX Late Payments from XXXX XXXX All Inquiries
Consumer complaint received 2021-12-29
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, XXXX XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX US DEPT. OF EDUCATIONXXXX Late Payments from XXXX XXXX  All Inquiries
Consumer complaint received 2024-04-11
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (GA)

I was told by a representative at Sunrise Credit Services that if I pay the money owed for my account, they would delete the accounts completely from my credit report in 30 days. I paid the company in full for the account in certified funds on XX/XX/2024 and the account still appears on my credit report. This company made an agreement with me that they would delete the accounts from my credit profile.
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: FORD MOTOR CREDIT CO. (CA)

I returned my leased vehicle on time and was present for the inspection. 4 years later I discovered that there was a charge that I never knew about for over {$600.00}. I called Volvo and asked them to clarify the charges. They stated that there was a late charge, but the vehicle was turned in on time and they could not tell me what the other charges are for. I've contacted them 3 times to resolve this dispute and they still have not told me what all of the charges are for. This was reported to the credit agencies as a " charge off '', and is negatively affecting my credit rating.
Consumer complaint received 2019-12-13
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 — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2021-12-29
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: TOYOTA MOTOR CREDIT CORPORATION (MD)

To Whom it May Concern, I would like to dispute the 30-day late payment for XX/XX/2021. I've attached a receipt of the cash payment to provide proof that a payment was made before the on time and before the XXXX XXXX. This method of payment is also listed on the XXXX XXXX to Make a Payment page. The payment was made in cash due to a banking error with previous payments from XXXX XXXX being returned. Toyota Financial Services is currently upholding the late payment although a payment was made on the due date. The consumer should not be help liable for processing time. Toyota states in their terms and conditions itll take at least 3 business days to process a payment. I shouldve been allowed that processing time with cash payments as well.
Consumer complaint received 2021-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (WA)

Citicard advertises a 15.24 % interest rate and I would expect on the unpaid balance. However that is not the case. In four months, XXXX, XXXX, XXXX, and XXXX of 2021 I failed to pay the entire balance for a total of {$6500.00}. At a 15.24 % simple interest rate the amount I would owe them in interest would be 15.24 / XXXX * {$6500.00} / XXXX or {$83.00}. However I have been charged {$850.00} in interest for these ( 4 ) events. I did the simple math on this and it is a 155 % annual percentage rate. I did not agree to a 155 % interest rate. I called Citi and they informed me that the interest rate was calculated on the average daily balance on the period of the billing cycle and does not take into consideration the payments I made. Seems unreasonable to me. This is an interesting problem indeed! XXXX
Consumer complaint received 2015-12-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alliance One, Inc. (MO)

Some unidentified agency claiming an association to student loan processing has been robot calling me on a weekly basis for several months WITHOUT identifying who they are! 

I have XXXX instances of this contact recorded on my telephone system. 

The robot states they are attempting to contact my son. When I 've contacted my son, he states that he has ALREADY been in touch with this organization. However, I 've seen NO evidence on my end that they are communicating his activity internally. 

In the past 2 months, I have talked personally to their representative one time and provided him with : - A statement that my XXXX year old son is working with them already - That I have NO responsibility for ANY of his financial commitments - That they MUST cease and desist ALL efforts to contact him through me - That if they failed to heed my request, I would have no choice but to report him for creditor harassment - A lawsuit for mental anguish is a possibility due to disturbance of my peace in my own home resulting out of the non-stop nature of their robot calling - I have NO evidence that this organization is legitimate, so I will NOT provide contact information for my son In addition to this recent personal conversation, I have also " pressed 1 '' as suggested by the robot 's script twice in the past three weeks to respond that I am not the correct person to contact. Each time, pressing " 1 '' has resulted in being routed to a voicemail system where I have reiterated the same information as in the bulletted list provided previously in this complaint. 

It is my belief that I have been more than patient in trying to get these people off of MY back, therefore I am making this step in an effort to get relief. 

If they continue harassing me, I will seek legal counsel in an effort to speak their language by seeking monetary compensation for their harassment.
Consumer complaint received 2021-12-29
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: CITIBANK, N.A. (TX)

Call citi card company was informed if there was a error on the bank they would not report to the credit bereau, XXXX  XXXX began to argue with me and stated unless there was a error with the bank will I be able to remove the late inquiry on the credit report, what a affiliate XXXX XXXX
Consumer complaint received 2021-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV INC. (CA)

I have received 7 documents from TRS recovery service, in ref to collecting payment for XXXX XXXX these are not my account, do not have XXXX XXXX account XXXX 
TRS recovery services Inc XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am contacting collection co and filing claim.. this is not me
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (UT)

When I or any other lender try to access my equifax credit report the message they receive is that report blocked for promotional purposes. I can not access my current report because of this. I have contacted equifax on several occasions and they informed me that that block has been lifted and to wait 24 hours. I wait 48 hours and try to access my own report again and still still this block language. I requested to lift this language. Despite repeated attempts this language still remains on my credit report and I am trying to refinance my mortgage and I can't even access my own report because of it. I want that language deleted so I can access credit report.
Consumer complaint received 2016-12-02
Product: Credit card — 
Issue: Late fee — 
Company: PNC Bank N.A. (MI)

I have been set up for payment reminders and online banking/statements for all of the accounts I have with PNC bank. I regularly receive statements and activity for my checking account. However I keep getting late fees for my credit card account because their system does not send the reminders to my phone or email even though their website states I am actively enrolled. When I called in to inquire, they just transfer me around and no one can figure out why I am not receiving credit card statements or payment reminders and I have had to pay multiple fees because of this. Payment reminders are my preferred method of keeping up with my bills. Every other company can send reminders except PNC.
Consumer complaint received 2015-10-15
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Direct Recovery Services, LLC (PA)

I get a phone call today from a number that I did not recognize. I forwarded it to voicemail. The message that was left said that this was a final notice of escalation. I returned the call, the woman, XXXX XXXX, said that I had committed a federal crime and that I could have jail time. I had to pay a debtor that I have not known about previously. When I attempted to talk to her, she would not tell me what company she worked for. She also accused me of being in love with my ex who opened multiple accounts in my name without my knowledge. I have been clearing this up for the past 3 years. She also called multiple people that I am related to, including my boyfriend, my cousin 's husband ( never lived with ), my grandmother ( never lived with ) to date. She called from XXXX. I attempted to call again. No one answered. I was put through to a " XXXX 's '' voicemail.
Consumer complaint received 2022-12-18
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: EQUIFAX, INC. (FL)

Inquiries on account that I do not recognize and or have no idea about. Via phone on all 3 credit bureaus I was told they do not fix these issues! but their job is to make sure everything is accurate on the account so Im complaining and theyve done nothing and Ive sent dispute letters and did not conduct proper investigations nor sent me information showing that they in fact verified the info and wasnt computer generated!
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX ) XXXX, XXXX and XXXX inaccurately reported Ive disputed countless times. XXXX ) XXXX XXXX closed my count XXXX, XXXX continues reported me late.3 ) Capital One closed my account XXXX XXXX due to Fraud and continuous reporting late payments. XXXX XXXX XXXX XXXX reporting late.5 ) XXXX  XXXX XXXX late payment XXXX XXXX XXXX XXXX XXXX showing charged off XX/XX/XXXX but accounted was closed XXXX XXXXXXXX XXXX XXXXXXXX XXXX charge XX/XX/XXXX it was closed XX/XX/XXXXXXXX XXXX
Consumer complaint received 2019-12-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

On XXXX XXXX i settled in court to pay off 3 outstanding credit card balances with Portfolio Recovery Systems located at XXXX XXXX XXXX, XXXX Virginia XXXX. XXXX ; XXXX ; & XXXX. The agreement to pay at settlement was {$25.00} per account per month until it was paid ( attached ). I HAVE NEVER RECEIVED A BILLING STATEMENT FROM THIS ENTITIY. I have kept track of every payment made to this establishment on my own. I paid off XXXX & XXXX. When I got to the last payment of the docket in question XXXX, on XX/XX/2019, I wrote on the payment that I beleived it was my last payment and if it was not to let me know ( also attached ). Portfolio RETURNED my LAST payment back on XX/XX/XXXX Informing me it was unacceptable along with a note to say that I need to pay the unsettled balance of the debt immediately. 

I WAS LITERALLY MAKING THE LAST PAYMENT ON THE settled DEBT FOR XXXX!! I have been paying this dept for 4 years religiously AND as consisently as I could without EVER receiving a billing statement!! 

I then sent in what I believed to be the last payment a SECOND TIME with an Written explaination. 

IT WAS RETURNED AGAIN because I flagged them that I beleived It was my last payment. Portfolio refused it a second time, and scruitized the account to find reason not to accept the last payment and close the account so they can file a judgement for the original unsettled balance. 

In my explaination to Portfolio, I asked them to provide me with my payment information, a general billing statement in detail, which I havent received in the four years I have been paying them on any settled account. 

THEY have not complied ( see attached ) The just returned my second payment threatening to imply a judgement on the full unsettled amount. 

I have had ZERO issues with payment up until this point and I have settled two previous accounts with this collection agency before the one in question IN GOOD FAITH. I have also, almost entirely payed the docket in question in full. 

This is shocking unethical behavior and a very slimey way to profit off someone who is struggling. 

Now that Portfolio returned my last payment check..not once, but twice the last payment is still outstanding which could give Portfolio the opportunity issue a judgement which at this point is SO UNFAIR as I was down to my last payment! 

I didn't pay four years of settled debt to get down to the LAST payment of the LAST debt settled in court and have this happen. People who dont pay deserve this treatment NOT PEOPLE WHO DO! 

This is a horrible injustice and a desperate tactic for a collection agency to get paid. The owner is a lawyer and is manipulating the system for profit. Something he could be disbarred for. 

Please assist me to clear this up. I would hate to have to take this to the bar association next. All supporting documentations are attached.
Consumer complaint received 2018-10-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (VA)

I took out a loan back in XX/XX/XXXX to attend XXXX College which at the time my servicer was SallieMae, but was soon after taken over by Navient. Over the course f a few years I have been trying to get my payments lowered and my co-signer who happens to be my ex-wife removed. I always being told that there is nothing the can do and I'm all out of options. I'm being charged a ridiculous amount of much of which I'm barely able to take care of myself and my children at this point. As of resent I started doing some research and also consulted my attorney and found that the school I was attending closed it door on XX/XX/XXXX but I never informed of this information. When asked or questioned about it I was bounced around from person to person and my questions were never really answered.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-12-29
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (PA)

I applied for a credit card with Victoria Secret and was allowed a {$1500.00} credit limit. I have had that card for over 3 years and never had a " random pull '' or change. Checked my credit report and noticed that Victoria secret not only decreased my limit but did so without even contacting me. 
Once I called the company they told me the reason they decreased my {$1500.00} limit to {$100.00} is because of a random credit pull and they did not have to contact me about it. 
However I never -authrtoized a credit check so that's fraud - nor was I informed or asked about random detrimental changes to my credit card limit
Consumer complaint received 2021-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION (FL)

On XX/XX/XXXX, I opened a Regions LifeGreen Checking account in-branch after receiving a {$400.00} offer in the mail. The offer required completing certain activities to receive the bonus, including XXXX debit card transactions and enrolling in online statements, which I did. According to Regions, they tried depositing the {$400.00} bonus on XX/XX/XXXX and the account was considered to be in a " soft-close '' status because it had a {$0.00} balance (? ) so the {$400.00} bonus payment wasn't completed, even though I have a recurring deposit every two weeks. 

I called in about not receiving the offer and confirmed I had completed all other activities except for the account being at a {$0.00} balance at the time they tried depositing the payment, but at no time was I informed that to be considered " in good standing '' the account had to be positive at all times. Regions was unwilling to bend on this " condition '' of theirs which at no time had been relayed as part of the offer, nor had I received any notification about this new " condition '' throughout the 90-day offer period. 

I am asking the CFPB to please step in and have Regions honor the marketing incentive, as it seems disingenuous that their internal " soft-close '' status is what rejected the new account offer, and it was never mentioned that that was a 100 % requirement to actually RECEIVE the bonus after having completed all other prerequisite activities.
Consumer complaint received 2023-01-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (HI)

I'm recently going through financial hardship due to the rise in utility bills and personal finances ( car insurances, baby supplies ). I fell behind on my mortgage 5 months and when I contacted Rocket Mortgage about how much I owed. They told that my house was up for Foreclosure. We got a letter in the mail on XX/XX/XXXX but was dated for XX/XX/2022. With the amount due. But when I chatted with someone around XX/XX/XXXX thats when I found out that the house was going to foreclosure. They told me that my only option was to pay the total amount due to get my mortgage reinstated of an amount of about XXXX XXXX I later found out that we could sign up for an application for success. Not sure what options I have after that because they have not given a date for the foreclosure. Also what are my options to keep my house and mortgage.