davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mary Jane M. Elliott, P.C. Attorneys At Law (MI)

I signed up with a company that helps people pay debts. I didnt know about this debt until I recently had my credit report pulled. I have not received any information to verify the debt. When I call I can never get anyone to answer the phone so that I can pay on the debt. The company I signed up with for debt consolidation cant get in contact with them. From the reviews of the website Im not the only person who has issues trying to pay on their debts. If it is mine I will pay it. Ive tried for 2 months to get information and I cant get information because no one answers the phone. I get phone calls threatening a lawsuit but I havent been served yet. I was trying to avoid a lawsuit but now Im just fed up.
Consumer complaint received 2019-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've called 4 times to have a fraud alert removed as well as the consumer statement. The fraud alert has been removed. However, the consumer statement is still there. I keep being told that it's been removed. But it has not. It's only been modified. Statement currently says " Do Not Combine ''.
Consumer complaint received 2019-07-24
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (OR)

On XX/XX/XXXX, I applied for a CareCredit line of credit at the recommendation of my XXXX. The bank issuing this credit is Synchrony Bank. The initial application was made by phone, and the representative helpfully gave me a web address to be used to verify my identity ( which is pretty standard for a bank, right? ) The web address had me take a photo of my drivers ' license and then upload a video of my face to use automated facial recognition to confirm that I was the person in this photo. The website gave an error saying that it couldn't parse my ID form. 

I tried again with my passport photo, and the site was again unable to parse the image. I then called CareCredit and was told by the support representative that the site sometimes " glitches ''. She had the team clear the photo submissions I had already uploaded and suggested that I try again with one form of ID only, which I did, with the same result. 

I called back a second time to report the issue, and this time was treated with dismissal and condescension. I was told that since " the applications are pouring in, '' clearly there couldn't be an issue with the software, and the representative refused to log a bug with the software team. 

This is speculation, but I suspect the issue was because 1. ) my drivers license is from Oregon and it 2. ) has a sticker on the address to indicate that my address was changed, the software is having trouble parsing the image. But instead of offering more standard methods of identity verification or looking into the software issue, the credit request was categorically denied, which impacts my credit history.
Consumer complaint received 2019-07-24
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. (IL)

I AM A VICTIM OF ID THEFT DUE TO THE EXTENSIVE DATA BREACH VIOLATION FROM XXXX. I HAVE PROVIDED THE CREDIT REPORTING AGENCIES THE PROPER DOCUMENTATION TO BLOCK THE INFORMATION FROM BEING REPORTED ON MY CONSUMER REPORTS YET THEY HAVE NOT COMPLIED.
Consumer complaint received 2019-07-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (TN)

I received a letter from I.C. System. I have sent 1 letter asking them to validate the date. I asked I.C. System to show me what written contract do I have their company. They sent me another letter with a copy of a XXXX bill. I mailed a letter to them on XX/XX/2019 asking them to explain AGAIN to show me where do I have a contract with I.C. System. They never responded. This morning on XX/XX/2019, I get an alert that I. C. System is reporting on my credit report. This is NOT FAIR because they haven't given me any valid proof where I owe I. C. System. I have been in constant written communication with them. Now they are tarnishing my credit. They don't even have written permission from me to add themselves onto my credit report. They DID NOT provided answers and documentation I have requested. They can't even show anything bearing my signature. This collection agency need to be removed from my credit report!!!!
Consumer complaint received 2019-07-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: COLLECTION SERVICES OF ATHENS, INC. (GA)

Collection was posted to my XXXX report XX/XX/17. Have provided fraude report to collection agency as well XXXX georgia XXXX XXXX XXXX..collections were removed for several months then placed again. collection agency nor provider have supporting documents or information except what has been obtained in the process of disputing this debt previously ..no signed documents nor photo identification ... is not my debt
Consumer complaint received 2019-07-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (PA)

I received a phone call from what I thought was the department of education however it turned out to be XXXX XXXX. They asked me all my information household size debt etc. They told me I could get my student loans lowered to {$39.00} a month with the REPAYE and that it would still be forgiven in the 20 yrs under the student loan forgiveness plan. I paid them a lump sum of {$390.00} on XX/XX/19 and then {$39.00} on XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19 and XX/XX/19. I got a bill from Navient stating I had been approved for the REPAY income driven based loan and my monthly payments were lowered to somewhere between $ XXXX {$180.00}. So I contacted XXXX and said I thought I wouldn't have to pay Navient anymore and just XXXX   the {$39.00} a month. They said Navient is my student loan and to pay them as well. So I knew then it was a scam. I contacted them telling them I was being scammed and wanted my money back and I could have had my loan lowered with Navient for free by doing it myself like I have in the past. They didn't respond to my email. I sent another email telling them I do not give them permission to take any more money from my account. Now I am unable to even log in to my Navient account, says they don't have record of me. Please help!
Consumer complaint received 2019-03-27
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (IN)

My husband and I have had continued problems with paying our house payments with PennyMac. There are always issues with hidden fees and our payment rising and not being explained. Weve attempted to make payments ahead and call to relay that wed be making advance house payments. We recently received a letter stating we were late for the month of XX/XX/XXXX. We printed our payment history and found that PennyMac had taken it upon theirselves to take payments and put them towards principle reduction. Weve also noticed that there are reoccurring charges for property inspection fees. We believe these to be fraudulent charges. Our home insurance is supposed to be taken monthly and appears as a lump sum on our bill. The fact that they chose to apply our house payments towards the principle reduction they were also charging us late fees. We werent late.
Consumer complaint received 2021-07-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (WI)

PHH Mortgage Services fails to send out any kind of monthly statements. My payments are ocer {$1400.00} a month. I have no idea what or where my money is going. I have no proof where my money is being applied. Or the remaining amount on the mortgage. How do you trust a company that does not provide you with paper work when they are suppose to be in charge of a loan. This company is will known for it fraudlent activity can not be trust. The month of XXXX they held my money order until XXXX to cash it.
Consumer complaint received 2019-07-24
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. (MD)

XXXX XXXX Credit Union stated I opened an account with them on XX/XX/2017XXXX i never opened an account with XXXX XXXX Credit Union on XX/XX/2017. I have asked this company to provide signed application, copy of Driver 's license and they have refused to do so. This is identity theft and I want this fraudulent account removed from my credit file. I have also asked Experian to remove this account and investigate this account and they refused to do so. Im not sure why Experian is allowing a company to report a fraudulent account to my consumer credit file. Please send me copies of where I signed credit card receipts since XXXX XXXX Credit Union is saying I owe { {$1700.00} }. The Fair Credit Reporting Act, 15 U.S.C. 1681 is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. XXXX  is not following The Fair Credit Reporting Act and I want something done about this!!
Consumer complaint received 2018-05-20
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (TX)

Synchrony bank is one of the ONLY credit card companies that does not play well with financial data aggregators like XXXX, XXXX, and other companies that help me aggregate my assets and liabilities to better mange them. 

I have this same problem with my Gap Visa that is also managed through Synchrony Bank. 

Hello, its XX/XX/2018!
Consumer complaint received 2018-05-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Excessive debits and disputed amounts were processed by XXXX XXXX for XXXX XXXX XXXX leading to an overdraft condition on personal checking account. 
Subsequent automobile accident and XXXX XXXX outside of XXXX XXXX   Branch service area left account holder unable respond to XXXX XXXX demands directly, outside of electronic communications channels. ( ATM/Debit Card and Online Account Management ) Huntington Bank shut down all electronic account access, and secure electronic communication links between customer and bank within days of overdraft correction attempts. 
Bank refused to discuss account issues, or resumption of secure electronic communication for out of service area customer with customers authorized representative. 
Huntington Bank subsequently, unilaterally closed my checking account to detriment of customer 's credit rating, and refused all reasonable attempts to rectify the overdraft situation electronically from outside the Bank 's physical service area.
Consumer complaint received 2019-07-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings (TX)

I FILED CHAPTER XXXX XX/XX/2018 AND CREDITOR CONTINUES HARRASSIG CALLS MISLEADING EMAILS AND LETTERS SUCH AS THE EMAIL SENT BELOW ON XX/XX/2018 Attention : Debtor, Creditor : Speedy Cash Services Case No : XXXX- XXXX Outstanding Amount : {$1300.00} This Legal Proceeding issued on your Docket No : XXXX- XXXX XXXX XXXX of Speedy Cash in order to notify you that after contacting to you on your email we were not able to get hold of you so the accounts department of SPEEDY CASH has decided to mark this case as a flat refusal and press legal charges against you. 


We have sent you this warning notification about legal proceedings on XXXX, 2018 but you failed to respond on time now its high time if you failed to respond in next 36 HOURS we will register this case in court. Consider this as a final warning and we will be Emailing/Fax this issue to your current employer to make sure they take strict actions against you. Your salary and all your wages confiscated. 


You will be sue into the courthouse, where you have to pay {$4700.00}, which is including your bail charges, attorney charges, and court fees. Your employer will be contacted and they will be served with this legal notice. Your all bank accounts will be ceased. 


This is your last and final chance to settle this case if you don't take it seriously, we will surely take hard steps against your name and social and you will be the only person responsible for the legal consequences. 



Do revert back if you want to get rid of these legal consequences and make a payment today or else we would be proceeding legally against you. And we apologies that this notification will also sent to your current employer. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action. 



NOTE : -IF YOU WANT TO RESOLVE THIS ISSUE OUTSIDE OF COURT THEN CONTACT OUR SETTLEMENT DEPARTMENT ASAP WITH YOUR CLEAR INTENTION OF REPAYING ALL OUTSTANDING AMOUNT TO : XXXX Sincerely, Settlement Department, XXXX XXXX ( Head-Debt Collection Officer )
Consumer complaint received 2019-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I disputed an old/obsolete tradeline with Equifax on XX/XX/XXXX. XXXX XXXX XXXX verified the account with Equifax as correct and mailed me a charged off statement from the original creditor ( XXXX ) dated XX/XX/XXXX on or around XX/XX/XXXX ( attached ). 
My supporting documentation shows that the date of last payment was XX/XX/XXXX, date of first delinquency was XX/XX/XXXX. Fall off date/Removal from my credit report should be XX/XX/XXXX, as per one sample of my Experian report, dated XX/XX/XXXX ( attached ). I also have documentation stating XXXX as the fall off date from other credit reports, which I can provide upon request. Attached is today 's screenshot I took on XX/XX/XXXX showing XXXX XXXX 's account on my credit report showing the discrepancy ( re-aging ). Equifax will not remove the tradeline and XXXX XXXX XXXX has a date listed which doesn't match the records of the original creditor ( attached ) and refuses to remove this old tradeline from my credit report.
Consumer complaint received 2019-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: First Data Corporation (IL)

My wife has an account on her report that she had some issues with and returns, however I am not associated with that! I was denied check writing privileges under my name, my social, my dl because they say her being a authorized signer on my bank account hurts me writing a check!!! that is completely false, I had no connection with the account she had issues with and I should not be punished when I personally write a check whether she is on that account or not, she is not writing the check, I am under my personal information. to associate us together and punish me for using my personal information to write a check is completely illegal.
Consumer complaint received 2021-02-11
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX, XXXX XXXX XXXX, and Portfolio Recovery Association. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$2000.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$510.00}. The Account Opened is Portfolio Recovery Association Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$5100.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2022-12-01
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX XXXX # XXXX, XXXX  : # XXXX, XXXX  XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX # XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-07-24
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Immediate Credit Recovery (FL)

I am currently working with Immediate credit recovery to resolve a student loan of about {$2000.00}. We have worked out a payment plan that I have agreed to as them and signed off on. And stated making payments on. Today at about XXXX on XX/XX/19 they called the XXXX and to my XXXX. From XXXX The secretary did transfer to my work phone ( she didn't know any better ). I tolled them not to call me at work. I am a XXXX  and work at a XXXX. A miss XXXX XXXX was the rep from ICR.  She initially presented her self as security or something like that We talked for a few minutes about the loan and that I and making payments on this. We have scheduled payments of {$15.00} to come out of my bank account on the XXXX of every month to start rehabbing this loan. I did remind her about me not wanting to be called at work. Her tone was harassing and threating. I did inform her that I would be making a complaint that it was illegal to call someone at work if they said not to.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number :
Consumer complaint received 2022-10-06
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. (NY)

Despite the multiple previous written requests, the unverified item ( s ) listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with remedy which Im about to seek. You are willful noncomplying with the FCRA.

Since you claim youve verified the account ( s ) listed below I wanted to confirm my thoughts and contacted the companies directly. Not one of them provided me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please remove the following account, or inaccurate information, from my file immediately & send me the results to the address listed below XXXX XXXX  XXXX Date Opened : XX/XX/2018 Balance : {$14000.00}.
Consumer complaint received 2019-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

Some how my wife and I without our knowledge was put on as authorized users on a account which we had no knowledge about through XXXX XXXX, we finally got a letter stating that we had been removed from said account in a letter XX/XX/2019 and it stated they had informed us we was removed XX/XX/2019 however my credit score is still -91 points
Consumer complaint received 2019-07-24
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 WAS A VICTIM OF ID THEFT DUE TO THE DATA BREACH FROM XXXX. I HAVE TRIED NUMEROUSLY TO HAVE THE INFORMATION REMOVED FROM MY CONSUMER REPORT BY FILING A FTC REPORT. FILING A POLICE REPORT, AND NOTIFYING THE APPROPRIATE AUTHORITIES.