davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-06
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Community Health Investment Company, LLC. (MS)

XXXX XXXX  XXXX, XXXX sent me a debt collection letter. I received this letter on XXXX. On the same day, I responded and asked the collection agency to validate the debt and provide HIPPA authorization. On XXXX, I received another letter dated XXXX from XXXX. The letter states that the charges were verified with the original creditor and included an itemized billing. An itemized billing does not validate the alleged debt pursuant to FDCPA and FCRA. In response, I mailed another certified letter on XXXX requesting validation of the debt and HIPPA authorization. This was after calling the collection agency a few days prior and being told by a XXXX employee that they would keep reporting to my credit unless I paid them. The second letter requesting validation was received by XXXX, but they have yet to respond with proof of validation or any other written communication. The only communication that they have made with me were phone calls demanding that I set up payment arrangements with them. XXXX last called me on XXXX after I had already requested that they not call me. I would prefer written communication. More specifically, I would like written communication reflecting a validation of the debt they claim I owe to them. According to the FDCPA and FCRA, unverified and/or debts not validated should not be allowed to be reported to my credit report without proper proof if such proof is requested. I have contacted XXXX about XXXX XXXX reporting, but XXXX has not provided XXXX  with proof of validation or verification either. It is unfair and unlawful for an unverified and unvalidated debt to be reporting to my credit especially since I have made multiple requests requesting proof to resolve this matter. This is a clear violation.
Consumer complaint received 2019-04-19
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: WAKEFIELD & ASSOCIATES, INC. (AL)

Wakefields and Associates is on my collections report for an old doctor visit that was written off by the hospital as " XXXX XXXX ''. The hospital wrote the bill off due to my financial standing at the time being a college student and now Wakefields ( third party debt collection ) bought the unknown about debt from the hospital and is asking me to make a payment on a bill. Once they contacted me, I asked them for documentation that they had proper paper work and they can not provide information of the bills. This account has no legal right to be on my credit collections.
Consumer complaint received 2020-12-23
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (WA)

In XX/XX/2020 I began the refinance process with multiple lenders in an effort to secure the most advantageous terms. 

Prior to closing, on XX/XX/XXXX, Freedom Mortgage ( FM ) agreed to match terms of a competitor and include an additional {$500.00} lender credit. 

On XX/XX/XXXX I closed a refinance with FM. I did not see the {$500.00} credit on the closing documents. I asked FM, prior to signing, how they would resolve this. FM responded, letting me know that they could use the power of attorney included in the closing documents to make the {$500.00} change, or they could send me a debit card for the {$500.00}. 

Neither of these have occurred yet. 

On XX/XX/XXXX, after I followed up with FM, they let me know they would send the {$500.00}. 

On XX/XX/XXXX, after I followed up with FM, they let me know they would send the {$500.00}. 

I still have not received the {$500.00}, or a lender credit for {$500.00}. The most ideal outcome for me would be to have a {$500.00} payment directly applied to my principal payment. But honestly with all of this " run around '' I'll take the {$500.00} as a debit card, lender credit, or whatever is appropriate.
Consumer complaint received 2019-04-19
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. (CA)

I applied for a credit card for XXXX the other day and I was denied. I thought that we.s kinda strange so I checked my credit report. After carefully reviewing my credit report I noticed a couple of items on my report the.tare not mine and need to be deleted from my credit report. I have reached out to the FTC and my local police. I also doing this on my own behalf. XXXX, XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX. XXXX, Chapter XXXX Bankruptcy. Inquiries : XXXX, XXXX   XXXX
Consumer complaint received 2023-09-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SBG Financial (MS)

Loan for business capital. Only documents I received were signature pages. Text correspondence ( that I still have ) confirmed that I could pay loan off with interest forgiven. Was told the interest was high, but would be lowered " way down '' by an early payoff. 
Tried to get payoff quote today and was informed it would take XXXX on a XXXX dollar loan to pay it off. I was grossly mislead by a third party securing this business loan.
Consumer complaint received 2019-04-19
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

XX/XX/XXXX, I mailed a certified letter to OneMain Financial disputing the information on my credit report and asking for verification of the account. I received a response that said it was accurate but they did not send any verification documents and just said that the account has been sold. No dispute was placed on my credit report as required by Fair Credit Reporting Action and the Fair Debt Collection Practices Act. On XX/XX/XXXX, I mailed a certified letter to OneMain Financial stating that they violated federal law by not putting the dispute remarks and once again requesting validation documents showing my signature. They responded that they would not address any more disputes. Once again no documents were sent and no dispute remarks were placed on my credit report. XXXX XX/XX/XXXX, I sent a final letter regarding them not putting the dispute remarks on my account and stating that since they have violated federal and state laws numerous times, the account must be deleted. They responded that my dispute does not provide specific information. Since they continue to violate federal and state reporting laws, the account must be deleted. All correspondence is attached.
Consumer complaint received 2019-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have am looking into my credit report and I found a few errors with addresses on my file that are not mine, it is possible that they belong to a family member or a Ex spouse.My name is XXXX XXXX please remove any different names from my report they are not accurate. My address is XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX my SS # XXXX. The following addresses are NOT accurate please delete/remove : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX SR XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX RT XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2019-04-03
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: SYNCHRONY FINANCIAL (GA)

i was incarcerated up until XX/XX/XXXX in which ive filed identity theft reports from whomever may have used my info i did not authorize nor benefit from any of these thingd there are inquiries from 17 and 18 that are not me due to me being incarcerated and this can be proven as far as my whereabouts theres XXXX XXXX XX/XX/XXXX walmart syncbc XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX i even see some recent from XXXX XXXX that i did not do therefore im placing a security freeze due to whomever still having my info a XXXX XXXX XX/XX/XXXX a XXXX XXXX XX/XX/XXXX a XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-04-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (GA)

There are many issues that are not quite correct when interacting with US Bank Customer Service Representatives ( Reps ). Either there are errors or unsupported collection of fees regarding private mortgage insurance ( PMI ) cancellation. 

Issues First, in XX/XX/XXXX, I verbally requested that PMI be removed from my account and was told that I would not meet the 80 % loan to original value ( LTOV ) until XX/XX/XXXX. After reviewing a US Bank letter ( dated XX/XX/XXXX ) and my US Bank Mortgage Statements, I determined that the XXXX date was in fact an error and LTOV was met in XX/XX/XXXX. This being the case, I missed the ability to write a request for PMI cancellation sooner than my XX/XX/XXXX request ( enclosed ). Based on the ( enclosed ) Consumer Financial Protection Bureau ( CFPB ) Homeowners Protection Act ( HPA ) Examination Procedures that indicates based upon the initial amortization schedule ( in the case of a fixed rate loan ), I could have made an earlier written request for cancellation if I was provided ( in XX/XX/XXXX ) with the correct date that LTOV was to be met. As you may be well aware, this is a lost opportunity to save money because paying a {$100.00} assessment fee and achieving PMI cancellation is cheaper than paying for six plus months of PMI ( at $ XXXXmonth ) that I do not need. 

Secondly, today ( XX/XX/XXXX from XXXX to ~XXXX XXXX EST ), I spoke with US Bank Customer Service Representative ( XXXX ) and was told that an assessment fee of {$100.00} is required to automatically terminate PMI, even when the 78 % threshold is met, and this is not clear from the XX/XX/XXXX letter ( enclosed ) that I received.

The paragraphs ( page 3 ) under the ( US Bank letter ) heading Automatic Termination of PMI are absolutely, positively not clear. It states that PMI comes off the loan when a 78 % threshold is met. The letter does not sate, as the US Customer Service Rep told me, that an assessment fee of {$100.00} will be expected if a person meets the 78 % threshold before the LTOV date. Per the aforementioned CFPB document ( page 3 ), There is no provision in the automatic termination sectionthat protects the lender against declines in property value or subordinate liens. That being stated, indicating I would have to pay a {$100.00} assessment fee after meeting the 78 % threshold, no matter the date at which I do so, does not seem justified. 

And by the way when I tried to send an email to XXXX, the address the US Bank Rep XXXX told me to use, it came back undeliverable.
Consumer complaint received 2019-04-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (CA)

The interest rate on this loan is too high. I almost only pay for the interest rate. I had XXXX XXXX 2018 and not able to work that much. I asked them for lower payment obtions. They only gave me loan extension. Because I cant work in XXXX as I used to before because of pain Im behind my payments. They reported to the credit agencies even I told them I had XXXX. Now I cant refinance my loan or get student loans because they reported negetive to credit bureau agencies
Consumer complaint received 2019-04-19
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. (TX)

I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report. I'm working on this all on my own. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX, XXXX. I have contacted the FTC and local police and Im also doing this on my own behalf.
Consumer complaint received 2022-12-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NC)

I am filing this NEW Complaint because Wells Fargo Home Mortgage FAILED and/or REFUSED to Answer OR Explain the following things I pointed out in my previous Complaint that was submitted on XX/XX/XXXX > COMPLAINT ID # XXXX As well as this COMPLAINT ID # XXXX that I Submitted on XX/XX/XXXX and closed on XX/XX/XXXX >.Here are the following 3 Points they NEED to Answer Completely and Fully >POINT A ) Qualifying for a Home Equity Account with XXXX XXXX In Wells Fargos XX/XX/XXXX XXXX to me they state that and I quote We have found No evidence of you not qualifying for a Home Equity Account with XXXX '' They found the XXXX XXXX XXXX XXXX account XXXX which was rebooked with a new loan number XXXX and paid in full plus the XXXX XXXX recorded on XXXX XXXX... .The problem with that explanation is this : Wells Fargo FAILED to Explain that Under XXXX XXXX Policy I Could NOT be eligible to apply for a Home Equity Loan as a Borrower in the first place because of these 2 ( TWO ) Reasons >> 1 ) I did NOT have a Checking and/or Savings Account with XXXX XXXX And 2 ) My Income was BELOW their minimum requirements ( The Minimum Income required to Open a Checking OR Savings Account was XXXX a year BUT my gross yearly Income for XXXX was XXXX!!! XXXX XXXX XXXXI NEVER had a Checking and/or Savings Account with XXXX XXXX ! ! My account was and STILL is with the XXXX XXXX XXXX XXXX XXXX North Carolina ( XXXX ). The Account XXXX # XXXX in which the back of the copies of the endorsed processed checks show & Prove this point clearly! ! XXXX XXXX FILES Attached> I was ONLY a Power of Attorney ( POA ) with XXXX XXXX POINT B ) Home Equity portion sold to XXXX XXXX XXXX XXXX In XXXX XXXX XX/XX/XXXX letter to me they state that and I quote We have found No evidence of a Loan being sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a XXXX loan Well here is the Evidence/Documentation XXXX XXXX XXXX  FILE Attached> And POINT C ) > They did NOT show me a copy of the Original XXXX XXXX Loan Document that would show my signature as the Power of Attorney IS underneath my XXXX signature therefore proving I was NOT a Primary Co-Borrower. INSTEAD They sent me these Forged Switched copies of the Deed of Trust and the XXXX XXXX XXXX Note> Here is PROOF of Forgery > SEE XXXX FILE Attached> That is just a sample. If necessary I CAN show other examples of this XXXX
Consumer complaint received 2019-04-19
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. (GA)

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. I have reached out to the FTC and local police. Im also doing this on my own behalf. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. Inquires : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-04-19
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: Experian Information Solutions Inc. (NC)

I have two accounts that are reporting on my Experian credit report incorrectly. Neither XXXX or XXXX is reporting these accounts. I've been going back and worth with both Experian 's CS Reps and Supervisors to get this issue resolved to no avail. The last straw was a few minutes ago when the Supervisor XXXX was very rude and condescending to me, over the phone. I attempted to ask him how the bank verified I had a loan for a mobile home and he stated they didn't have to verify that information with them. They allowed me to continue to dispute the accounts listed below and they refusing to correct the errors. 


The accounts in question are listed below : * XXXX  XXXX XXXX XXXX - Mobile Home Loan Someone changed the type of account and the last date of last activity. I NEVER had a Mobile Home with XXXX XXXX XXXX XXXX XXXX. I had a Credit Card that is supposed to fall off this XXXX but they changed my date of last activity to XX/XX/XXXX. The last date of payment was XX/XX/XXXX. 

* XXXX XXXX XXXX - Credit Card According to the credit report I pulled in XXXX, this account is scheduled to fall off in XXXX. However, some has changed the last date of activity in their system o reflect XX/XX/XXXX which is incorrect. The last date of payment was XX/XX/XXXX.
Consumer complaint received 2019-02-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

In XX/XX/2019 I received a letter from XXXX XXXX , XXXX with a discount offer for account number XXXX  the original creditor is XXXX/ XXXX/XXXX XXXX. I have never had an account with XXXX XXXX   before.The current balance is XXXX . XXXX XXXX , XXXX  Acct # :XXXX.
Consumer complaint received 2018-09-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SUNTRUST BANKS, INC. (FL)

My significant other and I applied and were approved for a personal loan through XXXX, a division of SunTrust. We used the loan for debt consolidation of our credit card balances, we were loaned {$30000.00} plus {$100.00} doc stamp fee for a 5 year term at 13.34 % interest with monthly payments equal to {$690.00}. The loan was funded XX/XX/18. We made our first payment XX/XX/18 for {$150.00}, which was applied toward interest only, this payment was in excess of the monthly payment which was made on XX/XX/18 for {$690.00}. We made our second payment XX/XX/18 for {$160.00}, which was applied toward interest only, this payment was in excess of the monthly payment which was made on XX/XX/18 for {$690.00}. We then made a payment of {$10000.00} on XX/XX/18, only {$10.00} was applied toward interest the remainder, {$9900.00} was applied toward the principal. The next payment we made was to pay off the balance on XX/XX/18 for {$19000.00}. The principal balance of {$30000.00} plus {$960.00} in total interest has been paid, but this company insists that I still owe them INTEREST towards the loan!
Consumer complaint received 2019-04-19
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. (GA)

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. I have reached out to the FTC and local police. Im also doing this on my own behalf. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. Inquires : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX.
Consumer complaint received 2019-04-19
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: HCFS Healthcare Financial Services of TeamHealth (LA)

XXXX XXXX XXXX  ( XXXX ) IS REPORTING AN UNPAID DEBT TO MY XXXX CREDIT REPORT. I HAVE BEEN A VICTIM OF IDENTITY THEFT IN THE PAST AND THIS DEBT DOES NOT BELONG TO ME!!!! SEE ATTACHMENT TO REVIEW ALL DOCUMENTS PROVIDED. 

THEY REPEATEDLY STATED MY DEBT IS VERIFIED BECAUSE MY NAME, ADDRESS AND SOCIAL SECURITY NUMBER MATCHES THEIR SYSTEM. I'VE ASKED FOR SIGNED DOCUMENTS WITH MY SIGNATURE ON THEM, PROVING THE DEBT IS MINE AND THEY STILL FAILED TO DO SO.
Consumer complaint received 2019-04-19
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. (SC)

I will be consulting with an FCRA attorney about escalating this matter because your company has failed to conduct an investigation regarding inaccurate collection items on my credit report. I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. Ive paid close attention to my credit reports and have found numerous errors and fraudulent activity stemming from 2005 until now. PLEASE SEE ACCOUNTS ATTACHED AND REMOVE.
Consumer complaint received 2019-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I'm a depositing customer with Bank Of America and they have treated me very unfairly with regard to a check that I received from my car accident and was deposited into my checking account XX/XX/19 and placed on hold until XX/XX/19 The total amount of the check was {$12000.00} and I was told that they would release {$4800.00} on XX/XX/19 and {$7800.00} on XX/XX/19 I went into the bank on XX/XX/19 and was told by the branch manager that the check was still in the verification process even though my bank slip said partial funds in the amount of {$4800.00} would be available. So I waited until XX/XX/19 to retrieve the entire amount that should be available XX/XX/19 and still they wouldn't let me get any of my money. 
I feel like I'm being discriminated against because I'm young and XXXX American I feel hopeless and nobody seems to care at the bank. 

The check was a Trust Fund check from a large legal firm and was verified by the Branch Manager via direct phone call and the attorney told the Branch Manager that it's Millions of Dollars in the account and they still wont release any of my money. 

Best Regards