davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-04
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. (VA)

My XXXX XXXX XXXX XXXX account was never included in my Chapter XXXX Bankruptcy. XXXX was notified by mail that I had filed XXXX. I continued to pay on my account each and every month while in my XXXX. Payments were never late and I continued to pay on time after my bankruptcy was discharged. I am attempting to get this erroneous information corrected on my account. My payments are not being reported as they should and the account is showing closed with a late payment in XX/XX/2021 which is not true. I have attached my XXXX schedules that were included in my Chapter XXXX Bankruptcy. It will show that XXXX XXXX XXXX XXXX were never included in my filing they were only notified.
Consumer complaint received 2021-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY (MI)

On XX/XX/XXXX, I checked my American Express account after receiving notice that I was charged a late fee. I was not supposed to have a balance in the first place because a balance transfer of {$360.00} was supposed to have occurred. XXXX XXXX XXXX had approved a balance transfer from the American Express account. However the charges still remained on the American Express account. I also was charged a {$40.00} late fee for not making the XXXX payment. When I called to speak to a representative she said that American Express changed their policy and weren't allowing balance transfers during the pandemic. The information did not sound correct to me. She said all she could do is wave the late fee for me. Then she said my account maybe subject to APR penalties because of the missed payment. This is not fair at all. I called another American Express representative and he said this should not have happened. But it did.
Consumer complaint received 2019-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AL)

Navient may be avoiding submitting my XXXX  Loan Forgiveness application to the guarantor, or the guarantor could be delaying a response. According to my records, I originally submitted the application in XXXX of XXXX. On XX/XX/XXXX, months after I submitted the application, in response to my email query, they informed me that the application had been resubmitted to the guarantor, but that I may have a wait of up to 120 days before a response should be expected. Since XX/XX/XXXX was well into that 120 day period, I submitted further requests for information. On XX/XX/XXXX, they responded with the exact same information, and continued to do so on XX/XX/XXXX and XX/XX/XXXX - all in response to my further requests via email for information. It is now XX/XX/XXXX, and I still have no word from them about the status of my application, and I don't believe they intend to inform me further. In the meantime, they put my loan in forbearance. They said this was a courtesy, but I have never been late, and have made it a priority to pay on time, and I asked them, via a phone call, to take the loan out of forbearance because I want to keep my high credit rating ( of course! ). It also looks like they have not taken my loan out of forbearance, and I suspect that every time they put it in, it increases some fee which is added back into the loan. This loan forgiveness is dearly needed. I attended my college on a special half-price scholarship for older students, but my student loan documents stated that the cost of my education was still twice what it should have been for the salary I was making. Can you help me with this issue?
Consumer complaint received 2022-02-23
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. (MO)

On XX/XX/XXXX, I disputed an account on my credit report ( XXXX XXXX XXXX ) to TransUnion, XXXX and XXXX. I did not get a response. I disputed this account on XX/XX/XXXX and still did not get a response. I submitted another dispute letter on XX/XX/XXXX stating the reasons why this account should not be reported on my credit report and to remove it immediately. I still haven't received a response. I also asked for this account to be reinvestigated within 30 days. I still haven't received a response. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previous deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, ( XXXX XXXX XXXX ) from my credit report immediately and permanently. This account has not been resolved in over 90 days from my very first dispute.
Consumer complaint received 2019-11-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: STONELEIGH RECOVERY ASSOCIATES, LLC (PA)

This is not a duplicate request or complaint. 

I made an agreement with " XXXX  XXXX, XXXX '' 's affiliate, " Stoneleigh Recovery Associates ''. The agreement included my promise to remit {$720.00}, payable to " Stoneleigh Recovery Associates '', check # XXXX, dated XX/XX/2019. XXXX  XXXX ' affilate informed me that this payment will be accepted and processed as " payment in full '' for the account they acquired from another lender. 

I was also informed that my credit file with all 3 major credit bureaus, XXXX, XXXX, and XXXX  would be updated to reflect that this account was satisfied and/or deleted. 

The payment was remitted, deposited and the funds have cleared. ( see docs attached, check front and back, check payment confirmation from online account ). 

The collection agency, XXXX  XXXX, XXXX/ Stoneleigh Recovery Associates have defaulted on our agreement. They have not held up their promise, an agreement we made to resolve this debt. As of this moment, the item in question - " XXXX  XXXX, XXXX '' is still being reported as an unpaid collection on my credit files. The item has negatively impacted my ability to secure lending. 

XXXX XXXX, XXXX/Stoneleigh Recovery Associates has intentionally breached our verbal contract agreement, abandoning their commitment after receiving payment.
Consumer complaint received 2019-07-30
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. (CO)

XXXX is reporting incorrectly to XXXX and Transunion a collection in the amount of {$130000.00} on the XXXX/XXXX XXXX partial account number XXXX. ( Please see pages 11 and 12 of the attached credit report. ) I have tried numerous times to obtain from XXXX documentation showing proof of this debt. I have not had any response nor have I received any documentation proving this debt belongs to me. This incorrect reporting of this collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to fix this, however I have not been successful.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2022-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (CA)

I am seeking help to rectify an unfortunate situation involving identify theft and a collection company that will not cease collection attempts after I already supplied them a police report stating identity theft. I received a bill from XXXX a few months that I disregarded, because I am not a XXXX customer and thought it was scam trying to get me to pay. Then, I received a letter from Convergent XXXX stating I had been sent to collections and the debt hit my credit report. I immediately filed a police report ( attached ) and have followed up XXXX times with them to get this resolved. Nobody is responding to my emails and I can not reach their phone system, yet I'm still receiving their letters in the mail demanding payment. This is very unethical and I need help to stop the process so I can remove this fraudulent debt from my credit.
Consumer complaint received 2022-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc. (MI)

SoFi has locked my money account due to supposed " fraudulent activity '' on XXXX after I phoned in to simply add my SoFi credit card to XXXX XXXX. They had my old phone number on file with the credit card after I updated my SoFi profile with a new phone number so the customer service agent had to contact their security to see why the account wasn't updated after I changed the number via the app. 

They locked my account that following morning. Not my credit card but my MONEY account with all my finances. I called the number they provided for inquiries, but you're only allowed to leave a voice mail. 

I called the account customer support to speak to a human, and they told me I simply have to wait for one of their security team members to call me. Meanwhile all my money is frozen. I asked her if I was not supposed to be able to buy food or eat and she replied, " yes sorry for the inconvenience. '' A complete joke of a company. Do NOT give them any of your money. They can lock it and essentially steal it from you for literally any reason then not allow you to speak to anyone. The only " fraud '' protection you need is from SoFi themselves.
Consumer complaint received 2021-06-12
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. (NJ)

this debt collector is in violation FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g by not providing my request for validation i have given them 30 days and they have not provided me with the information I requested. they are also in violation of the Fair Credit Reporting Act 15 USC 1681 ( a ) ( 1 ) by reporting inaccurate and unfair information to the three credit bureas XXXX, XXXX  and Experian. my privacy has been violated by these actions and it is having a negative effect on my life which is Also a violation of FCRA 15 USC 1681 ( a ) ( 4 ). this account needs to be removed from my credit report immediately.
Consumer complaint received 2021-06-12
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. (NJ)

this debt collector is in violation FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g by not providing my request for validation i have given them 30 days and they have not provided me with the information I requested. they are also in violation of the Fair Credit Reporting Act 15 USC 1681 ( a ) ( 1 ) by reporting inaccurate and unfair information to the three credit bureas XXXX, Equifax and XXXX. my privacy has been violated by these actions and it is having a negative effect on my life which is Also a violation of FCRA 15 USC 1681 ( a ) ( 4 ). this account needs to be removed from my credit report immediately.
Consumer complaint received 2022-02-23
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: Experian Information Solutions Inc. (KY)

I was viewing my credit score and report through the XXXX credit card website. The report is provided by Experian. There were two items I wanted information about so that I could look into dates and whether they were valid or if they could be disputed. I called Experian and I requested either that particular information or a detailed copy of my credit report in order to view it. The woman that took my call stated that I would need to purchase a membership in order to obtain that information. I was very surprised as I know that under federal law I am entitled to one annually and I have not ever requested one from Experian. As I continued to inquire about why I would need to pay them to access some thing I was federally entitled to, she put me on mute and left me there. About 10 minutes later she came back on the line and said she had been listening the whole time. During this time I pulled up the Experian website and read not only a banner across the top stating that Experian was providing free weekly reports to consumers through XX/XX/2022, there is also an area at the top of the first paragraph discussing the federal right to an annual copy. I read it for her Word for Word and she just kept me muted and did not answer any questions. I asked her if I was wrong and she refused to answer. I asked her how these practices were not considered predatory. She did not answer. I asked her if she made commission when she sold people memberships for ( their own ) information they were federally entitled to and she did not answer. Eventually I very rudely hung up on her. I hope the whole call was recorded.
Consumer complaint received 2021-03-10
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: Affiliated Management Services (AR)

I was never given any dates of service, an itemized statement or any evidence they had to verify the debt. 

I was covered by XXXX XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX.
Consumer complaint received 2019-11-14
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (TX)

There is a collection reporting on my credit file with hunter Warfield for an apartment complex. I do not owe the money they are indicating. I was on a month to month rental paying an additional {$200.00} a month for going month to month and I gave written notice when I moved. This apartment complex has changed hands several times so that may be where the mix up occurred but regardless I don't owe anything to either company.
Consumer complaint received 2021-06-12
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. (NJ)

this debt collector is in violation FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g by not providing my request for validation i have given them 30 days and they have not provided me with the information I requested. they are also in violation of the Fair Credit Reporting Act 15 USC 1681 ( a ) ( 1 ) by reporting inaccurate and unfair information to the three credit bureas Transunion, XXXX and XXXX. my privacy has been violated by these actions and it is having a negative effect on my life which is Also a violation of FCRA 15 USC 1681 ( a ) ( 4 ). this account needs to be removed from my credit report immediately.
Consumer complaint received 2022-02-03
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. (PA)

Transunion and XXXX have both been complicit in failing to help me with my identity theft. XXXX removed the two XXXX XXXX accounts that were identity theft and XXXX and Transunion said that they would with the police reports and FTC reports, yet failed to do so. I'm trying to handle this amicably before filing a lawsuit but I first notified them in XX/XX/XXXX and they failed to take any action. It's a violation of XXXX benefits and their policy. Please take action against XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX at Transunion and XXXX XXXX, Vice President, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX  XXXX, Direct to Consumer at XXXX XXXX XXXX, XXXX at XXXX. They have been aware of this and have failed to take action. I am attaching the same report sent to them last year as well as the updated FTC identity theft report I was encouraged to file to have this removed from my credit report immediately. I won a lawsuit against XXXX in XXXX due to the vast amount of identity theft they acknowledged responsibility for, and will have to file again - this time against Transunion and XXXX for reporting fraudulent information.
Consumer complaint received 2022-02-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (TX)

I have not received a complete 2021 Mortgage Interest Statement from PNC Bank. I had my mortgage with BBVA but unfortunately PNC acquired this bank. I received a statement from PNC that only covers the 3 months since the acquisition to year end. In the bottom part of the statement it says that if my mortgage was acquired by PNC in 2021 I would receive an additional year end statement from your previous servicer. ( See Attached copy of PNC statement. ) NEVER RECEIVED this additional statement. I called PNC 2 weeks ago. They told me two statements were sent, and if I just got one the other one was lost by the USPS. They also said that they could not give me a copy of the additional statement because they were still being scanned and uploaded to their system. They asked me to wait for the mail and if I didnt receive it to call again. I called today and received a TOTALLY DIFFERENT explanation. I was told that I was not supposed to get two statements but just one. This is in contradiction to what the official PNC statement said and also in contradiction to what PNC told me on the phone. I was told that they had to issue a correction so I can receive one consolidated statement. They said this could take up to 2 weeks. THIS IS UNACCEPTABLE. I have not been able to turn my tax material to my accountant because I am waiting on PNC. This bank either lying to customers or has not procedures. What is undisputed is that they are not complying with the deadline to submit these statements by XX/XX/XXXX. It is now way past the deadline and I have not received a complete statement. This is not the first complaint I file against PNC. Early after the acquisition they withdrew money from my account without consent and refused to wired it back until the CFPB got involved.
Consumer complaint received 2018-08-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (AZ)

As of XX/XX/XXXX, my equity position is greater than 22 %. 

My Mortgage Lender, Ocwen Loan Servicing LLC, has not released me from PMI, despite an XX/XX/XXXX written request for : a ) immediate termination of PMI, and b ) refund of PMI fees incurred since XX/XX/XXXX. 

In response to my letter of XX/XX/XXXX, Ocwen sent me a letter stating that PMI is " scheduled to auto termination ... on XX/XX/XXXX. '' Please note that per the amortization schedule ( provided by Ocwen ) PMI is scheduled to auto terminate on XX/XX/XXXX. However, I have purposefully overpaid my principle for the express purpose of PMI release.
Consumer complaint received 2022-12-03
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXXXXXX XXXX Balance {$1400.00} ; XXXX, XXXX XXXX Balance : {$0.00} ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Inquiry : XXXXXXXX XXXX XXXX  ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-02-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (PA)

I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer