davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (CA)

Selene Finance XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX On XX/XX/XXXX the negotiator XXXX XXXX XXXX, asked us how long our buyer would need to close. We told her we needed 30 days on the approval letter. TWO WEEKS LATER ( XX/XX/XXXX ) she sent an approval letter only good for 10 days -- -- This only gives us 9 days to close!!! We, again, very explicitly told her in an email ( See emails attached ) that we need at least 30 days on the approval letter -- -- -- ESPECIALLY DUE TO THE ISSUES AND DELAYS THAT COVID HAS PLACED ON COUNTY RECORDING TIMES. -- -She IGNORED OUR EMAIL. -- -- -- -- We have sent XXXX XXXX multiple emails throughout the transaction that she has outright IGNORED. At this point it is obvious the negotiator at Selene has tried to force a closing on this short sale in order that she may get her bonus this month. Forcing the buyer and seller to rush to close also creates liability for contracting and/or spreading COVID.  This is knowingly endangering peoples lives and safety. -- -- -- -- WE HAVE ALREADY HAD TO FILE A COMPLAINT AGAINST SELENE DUE TO THEIR GROSS INCOMPETENCE. -- -- -- We want a short sale approval letter good for 30 days like we told her three weeks ago.
Consumer complaint received 2021-05-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (OH)

I have called a few years ago and i wont tell me the items or the account that they say I was using to pay on it. I stated to them years ago that this was not me. I lost my wallet years ago and have an identity theft added to my account become several item have appeared on my name that was not me
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (MI)

I have XXXX student loan accounts that are all reporting as as XXXX from XX/XX/XXXX to XX/XX/XXXX according to my credit report. 

This is inaccurate reporting of my payment status, as I've deferred these payments. This should be reporting as " XXXX '', it is severely hurting my score. 

I have tried to rectify with the credit bureaus and my loan provider with no resolution. I want these accounts investigated and corrected with the correct payment status.
Consumer complaint received 2022-07-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN ADJUSTMENT BUREAU,INC. (CT)

There 2 collections account that were recently pop out in my credit report. I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. Two accounts AMERICAN ADJUSTMENT BURE account number : XXXX one reported balance {$280.00} and {$50.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX  and XXXX XXXX XXXX saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding, they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before.If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely.To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING.The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
Consumer complaint received 2021-05-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CURO Intermediate Holdings (TN)

I took out a Payday Loan with Speedy Cash in XX/XX/XXXX. They sold my account to Ad Astra, a collection company in XXXX. 

Speedy Cash unlawfully went into my bank account on XX/XX/XXXX, to deduct the full balance of the loan. I had no prior communications from them pertaining to this loan. I was not notified at all by them to discuss a payment.
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc. (WA)

I applied at a XXXX XXXX location XXXX XXXX XXXX XXXX XXXX, XXXX, WA ) for a credit card on XXXX XXXX, 2018. I never got the credit card or the requisite decline letter from XXXX XXXX explaining that I have been declined for credit and stating the decline reasons + sources of information for the data used in the decision. I believe this is a violation of FCRA.
Consumer complaint received 2022-02-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland credit Management contacted me XXXX XXXX regarding an account that has not been paid in full. My ex-boy friend XXXX XXXX purchased a bedroom set solely in his name at XXXX 's XX/XX/2016, who is now diseased. XXXX years later I receive a call from Midland Credit Management for the balanced owed telling me it was in my name. I sent them the proof of purchase and his Autopay Account with his information. I am reporting theft of my Social Security, I did not give anyone my so Social Security number for this purchase.
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX is incorrectly reporting that my auto loan was delinquent in XXXX, XXXX, and XXXX of 2020. However, actually, this account has never been past due. I have repeatedly asked XXXX to properly update my account history to show that my payments were not late in XXXX, XXXX, and XXXX of 2020 ; but they have yet to take action to make the correction.
Consumer complaint received 2020-07-29
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TRUIST FINANCIAL CORPORATION (FL)

In XXXX of 2017, my car was towed away from my parents ' house in an effort of SunTrust to collect payment on the car. I did receive the call from Suntrust for the bill to be paid and ask them the send in a mail to my parent 's house to be paid. They said they never received the mail and were told to keep waiting for the mail. once the vehicle was towed away from our driveway, we then get the notice from the tow company to call our debitor. We had plans to pay off the car with the billing they were supposed to send but with the tow fees included, estimated an extra {$1000.00} with the end balance, was something we didn't have at the moment. We tried to reach out to Suntrust to make a payment deal to pay off the car after the deduction of the tow fees but didn't get resolved. After some time, the full amount was paid and we didn't receive our car title and had to get it from a service that was extra charges. All within a 3-month span of the ordeal, my father was terminated from his main job and I was working in XXXX XXXX XXXX base leaving my mother bearing the weight. This has marked on our credit affected my mother, my father, and me from receiving any other help to get back on our feet such as loan, refinancing, lower interest rate, etc from this unfair situation.
Consumer complaint received 2022-07-22
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX # XXXX XXXX  Bankruptcy, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-22
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. (IL)

I sent letters to the consumer reporting agencies regarding fraudulent inquiries reporting on my consumer report, and I filled an identity theft report that is attached below, and I also filed a police report with the XXXX Police department, still waiting for that report to become available. The fraudulent unauthorized inquiries are listed in the identity theft report attached below with dates the fraud was committed.
Consumer complaint received 2024-03-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (PA)

Victoria secret is reporting an account on my consumer reports and they have yet to verify and validate the debt. I submitted a request for them to send me an authenticated record of the account pursuant to Uniform Commercial Code Article 9-210 which states that the recipient must respond to the request within XXXX XXXXays. It has been over XXXX  days and I have not received a response. I have requested that the Generally Accepted Accounting Principals ( GAAP ) bookkeeping entries that proves creditor has suffered a loss, a copy of the 1099-c that was filed for the account, the truth in lending disclosures, and the opt out disclosures. I have also requested that they cease all communication both directly and indirectly which includes consumer reporting. Please see attached.
Consumer complaint received 2021-10-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Statebridge Company (NJ)

Re : Proof of Claim filed in US Bankruptcy Court-XXXX XXXX XXXX XXXX No : XXXX Filed by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, not in its individual capacity but solely as Trustee for the XXXX Fund I Trust We deny and dispute the claim and demand strict proof thereof. See attached Debt Validation letter and copy of proof of claim. Thank you for your assistance. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX
Consumer complaint received 2021-02-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (MS)

To Whom It May Concern, ''This account is involved in litigation. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. '' Under the Fair Credit Act law I have every right to remove this unknown collection from my account.
Consumer complaint received 2018-10-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (MD)

My student loans are serviced through XXXX XXXX. I needed to recalculate my Income Based Repayment amount because I changed jobs, and I now make significantly less than I was making before. I applied online to have my payments recalculated on XX/XX/2018. I needed to mail a copy of my paystub as supporting documentation, which I mailed on XX/XX/2018. I called XXXX XXXX on XX/XX/2018 to inquire about the status of my request, and I spoke with XXXX ( employee id XXXX ). He informed me that my application was considered complete on XX/XX/XXXX because XXXX XXXX received my supporting documentation. However, on XX/XX/XXXX XXXX  XXXX  issued my bill for XXXX, which is due on XX/XX/XXXX and is for the higher amount based on my previous salary. I asked him why that bill was issued even though my application was complete beforehand, but he responded that it takes 2 to 3 weeks to process the application. I then spoke with XXXX ( employee id XXXX ) and another employee named XXXX ( employee id XXXX ) who confirmed that it takes 7 to 10 business days to process an application to recalculate IBR payments, and bills are issued 20 days before they are due. Therefore, it is IMPOSSIBLE to apply for a recalculation in IBR payments without also entering into at least a one month forbearance, and likely two months will be needed. During this time, interest continues to accrue and is capitalized. In other words, XXXX  XXXX is extorting students with accrued interest as a penalty for its delays in processing an application for IBR. This can not be supported by the regulation. If any forbearance is needed for XXXX XXXX to process an application, the forbearance should be interest-free because the delay is due solely to XXXX  XXXX XXXX own inability to process applications in a timely manner.
Consumer complaint received 2020-07-29
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: Experian Information Solutions Inc. (IN)

Experian and XXXX  have been reporting fraudulent accounts under my name XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX These are fraud, I didnt benefit, apply for, and authorize these accounts
Consumer complaint received 2020-12-15
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. (FL)

I'm a Victim Of identity Theft, someone is using my Personal Information without my Authorization they got in to my Banks accounts and open credit cards using my Name I filed a report to protect me from this situation so this matter will be Resolved
Consumer complaint received 2019-03-25
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. (TN)

Recently I reviewed my credit reports and saw there was fraudulent accounts and inquiries all of which I never opened nor gave permission. After submitting a dispute through the major CRA 's about this situation where these accountthat are not mine and they opened an incident ticket for me. They informed me that they needed an FTC Identity Theft report which I then submitted to them. But upon checking my reports and credit history, the accounts identified remain on the reports negatively impacting my financial profile.
Consumer complaint received 2021-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (FL)

During load payoff process the mortgage processor ( Chase ) received my check on XX/XX/2021 at the address where my monthly payments are normally sent along with the payment stub that comes with the monthly statement. Chase did not record receipt of the check and forwarded it to their loan payoff department. On XX/XX/2021 I noticed that the payment had still not been processed ( which was now 11 days after the check was sent ). I contacted Chase and they indicated that they had no record of receiving the check and suggested instead that I visit a local Chase branch to make the payment in person. I contacted my bank and they verified that the check had not been submitted for payment and I initiated a stop process at a cost to me of {$31.00}. I made the payoff at the Chase Branch on XX/XX/2021 but was required to pay interest on the loan through that date, which was {$120.00} higher than my original payment. As if by magic my original payment made it to the payoff department on XX/XX/2021 and they returned it to me as the loan had already been paid off. Chase 's stated policy is that checks will be processed the day received. Regardless of where they received the check I feel that the account should have been credited that day and not 11 days later as they clearly opened the correspondence and evaluated the check and my account to the extent that they realized that it would result in a full payoff. I contacted Chase about refunding my interest overpayment and they were uncooperative in dealing with the issue even though their mismanagement cost me an extra {$150.00}.
Consumer complaint received 2021-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (WA)

Convergent Outsourcing is reporting to XXXX  that I have an unpaid collection account with XXXX from XX/XX/2019. I have had no such account with XXXX nor with Convergent Outsourcing from XXXX
Consumer complaint received 2022-07-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Service International Corp (IA)

CREDIT SERVICE INTL CORP is claiming that I owe {$1300.00} to a company called XXXX XXXX. I have attempted to have the debt verified but have been unable to. I have disputed with credit reporting agencies but this company is claiming the debt is legitimate. I have not purchased anything from XXXX XXXX, never had any sort of credit through them and certainly never agreed to any sort of account, payments or money due as they're claiming.
Consumer complaint received 2022-07-22
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX  XXXX # Account XXXX has violated my rights. 

15 U.S.C 1681 Sections 602 A. States I have the rights 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
Consumer complaint received 2021-05-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (OH)

I sent them an email on XX/XX/2021 requesting they unlock my account. I am not able to sell or trade. It appears after I made an official complaint about the the first time, Binance.us has retaliated by disabling my account. But they dont have a problem when I withdraw money from my bank to use on their platform. Binance.us This is theft. They have my crypto currency locked. 

This is not how a company should be operating.
Consumer complaint received 2018-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (FL)

I just made a {$1000.00} payment on my credit card balance of {$3000.00}. Two days after making that payment to my credit card company I get an email that my limit has been decreased. I make substantial payments on all of my credit cards at the same time and this is the only company that lowered my credit limit immediately after. Since 2012 when I opened the account I only made the minimum required and maybe a few dollars more but not a {$1000.00} more. 
Now by them lowering my limit is showing me over the limit after making a {$1000.00} payment to this account. 
I'm trying to oncrease my credit score and this credit card company lowered my score before dubmitting my new balance to the credit bureau. 
I called and asked why they lowered my limit. I was yold based on the credit bureau report. If that's true then the credit bureau gave themXX/XX/XXXXs information whenXX/XX/XXXX was sent by all of my credit card companies. 
If they had used my XXXX payment information my credit limit would have gone up or stayed the same because all of my credit card companies were paid off or pay down to half or a third of the balances. This is how credit bureau 's stay in business by reporting out dated information to credit card companies and this is one way credit card make money off of cardholders by getting over the limit fees that they created.

Before I made my {$1000.00} payment I was nit over my limit and now that I made my big payment I'm over the limit and that's because they lower mu limit right after I made that payment to better my score and to payoff my debts.